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Bi 1:
Mt khch hng gi tit kim 800 triu ng, 9 thng, t ngy 1/3/2010 n ngy
1/12/2010 vi li sut 14%/nm. Tuy nhin n ngy 12/10/2010, khch hng trn
li c nhu cu s dng 815 triu ng. Hi khch hng trn nn lm g? V sao?
Bit rng li sut tin gi thanh ton l 3%/nm; nu rt trc hn khch hng gi
tin ti ngn hng trn s nhn c li sut khng k hn cho ton b thi gian
gi tin; hin nay li sut vay ti ngn hng trn = li sut s tit kim +
0.15%/thng, li sut tin gi thanh ton l 0.25%/thng
BI 2: Tnh hnh giao dch ti khon ca khch hng trong thng 8 v thng 9 nh
sau:
Ngay
So d
S d u k
8.000.000
9/8
9.800.000
15/8
4.000.000
18/8
20.000.000
20/8
26.000.000
23/8
15.000.000
25/8
88.000.000
5/9
15/9
2.000.000
27/9
8.000.000
T 27 thng 9 n ht thng 9 khng c giao
dch pht sinh
Bit rng li sut tin gi thanh ton l 0.25%/thng, ngn hng tnh li vo cui ngy 28
hng thng. Tnh tin li thanh ton thng 8 v thng 9 cho khch hng trn.
BI 3: Tnh hnh giao dch ti khon ca khch hng trong thng 6 v thng 7 nh sau:
Ngy
S d u k
9/6
12/6
20/6
24/6
28/6
30/6
5/7
25/7
S tin
2.000.000.000
500.000.000
1.500.000.000
800.000.000
3.000.000.000
2.500.000.000
400.000.000
200.000.000
2000.000.000
Bit li sut tin gi thanh ton l 0.25%/thng, ngn hng tnh li vo ngy 25 hng
thng.
Yu cu : Tnh li tin gi thanh ton thng 6 v thng 7 cho khch hng trn
Bi 4
Ngy
Din gii
S d u k
4/8/2007 Thu tin bn hng
14/8/07
Tr lng cho nhn vin
14/8/07
Tr tin thu mua NVL
15/8/07
Thu n cng ty A
15/8/07
Tr ngi bn
22/8/07
Tr tin in thoi, in,
nc.
24/8/07
Chi thng gia nm
26/8/07
NH Tr li TGTT thng 8/07
12/9/2007 Thu tin bn hng
18/9/07
Thu tin bn hng KH C
18/9/07
Tr lng thng 9/07
23/9/07
Cc chi ph khc
26/9/07
NH Tr li TGTT thng 9/07
S d
100,000,000
S ngy
590,000,000.00
35,000,000.00
45,700,000.00
130,000,000.00
63,000,000.00
25,000,000.00
250,000,000.00
300,000,000.00
150,000,000.00
289,000,000.00
10,000,000.00
Bit rng ngn hng tnh li tin gi thanh ton vo cui ngy 25 hng thng, li sut tin
gi thanh ton l 0.25%/thng.
Yu cu:Tnh li tin gi thanh ton vo thng 8 v thng 9 cho khch hng
Tch s