SC V CC CNG C CHUYN NHNG

Ti liu tham kho: - Principles of banking, ABA, chng 5,6

Ni dung chnh
1. Cc loi cng c chuyn nhng 2. Sc trong thanh ton 3. Quy trnh thanh ton sc 4. Phn loi sc 5. Cc loi hnh thanh ton mi 6. Vn an ninh

1. Cc cng c chuyn nhng

nh ngha cng c chuyn nhng Cc loi cng c chuyn nhng

1.1. nh ngha
Chuyn nhng
Chuyn nhng l s di chuyn mt cng c t ngi ny sang

ngi khc, hoc t ngn hng ny sang ngn hng khc, hoc t quc gia ny sang quc gia khc
Cng c chuyn nhng
Theo ngha rng, bt k phng tin trao i no da trn tha

thun cng c th c coi l mt cng c chuyn nhng

Trong lnh vc ngn hng, cng c chuyn nhng bao gm sc,

hi phiu, k phiu, hoc cc loi lnh phiu khc

Cc dng cng c chuyn nhng

Cng c chuyn nhng l mt yu cu bng vn bn ha hn

s tr mt khon tin.
y c th l mt cng c v danh (bearer instrument), tr cho

ngi cm gi n (bearer), hoc cng c th i km nhng iu khon rt c th.

Sc
Hnh thc ph bin nht ca cng c chuyn nhng Sc l t lnh tr tin v iu kin ca ngi ch ti khon k

pht cho Ngn hng trch mt s tin nht nh t ti khon ca mnh tr cho ngi c ch th c tn ghi trn sc, hoc ngi cm sc
Phng thc thanh ton c a chung i vi cc khon n Giao dch an ton, thun tin

c im c bn ca Sc
Maria Mills 12 River Street Pettisville, OH 43553-0177

Check Number Date Date $ Amount

801
56-25 412

Pay to the order of Amount Pettisville Bank

Pettisville, Ohio

Payee

Dollars

For simulation use only

041200257 103 7943 Account Number

For

Memo 000801

Signature

Identification Numbers

Hi phiu
Hi phiu l cng c trung gian tng t nh sc Hi phiu l mt yu cu c k pht bi mt bn (ngi k

pht) gi cho mt bn khc (ngi b k pht) ra lnh cho ngi b k pht phi tr cho mt ai (ngi c thanh ton) s tin c ghi trn hi phiu
Vic thanh ton c th l tr ngay hoc vo mt thi im xc

nh.
Hu ht cc hi phiu c s dng trong thanh ton hng ha

v dch v

Hi phiu
Hi phiu c th chuyn nhng c, l mt lnh yu cu v

iu kin bng vn bn, tng t nh sc hay tha thun thng mi, do mt bn gi cho mt bn khc
Ngi nhn hi phiu phi thanh ton mt khon tin xc nh

hoc cung cp mt lng hng ho nht nh khi c yu cu hoc ti mt thi im c th

Hi phiu l mt hnh thc ph bin ca cng c chuyn

nhng quc t.

K phiu
K phiu l mt li ha hn bng vn bn thanh ton vo

mt thi im c nh hoc c xc nh trc trong tng lai mt khon tin cho mt ngi nht nh
Cng c ny l vn bn c tnh rng buc php l vi nhiu

iu khon quy nh khc nhau

K phiu ngn hn (di 270 ngy) hay hi phiu do mt cng

ty hay chnh ph pht hnh l mt cng c u t ph bin

2. THANH TON SC
Xc nh cc yu cu ca ngn hng trong vic xc nhn sc Lit k cc hnh thc k hu sc ph bin

2.1. Cc yu t lin quan n chuyn nhng

Vn bn Ch k Li ha hoc yu cu v iu kin Mt khon tin nht nh Phi tr theo yu cu hoc vo mt thi im nht nh T ng chuyn nhng

2.2. Cc dng k hu
K hu trng K hu theo lnh K hu hn ch K hu min truy i

2.3. Xc nhn v chp nhn sc

Ty tng ngn hng c th a ra yu cu nhiu hay t v vic

chuyn sc ra tin mt hoc gi sc

Cc ngn hng c quy nh khc nhau i vi khch hng

Slide 15

3. Quy trnh thanh ton sc

Drawer Payee

A National Bank Central Bank (or other intermediary)

B National Bank

4. Phn loi sc
Cn c vo tnh cht lu thng ca sc
Sc v danh Sc ch danh Sc tr theo lnh

Cn c vo mc ch s dng
Sc tin mt Sc chuyn khon Sc gch cho thng thng Sc gch cho c bit Sc xc nhn Sc du lch

5. CC HNH THC THANH TON MI

Lit k mt s h thng thanh ton hin i Gii thch quy trnh ngn hng v cc t chc ti chnh s dng

cc hnh thc thanh ton t ng

5.1. Thanh ton tiu dng

Th tn dng Th ghi n Th rt tin mt Th thng minh

Th tn dng thu ph (Charge cards)

Ngi tiu dng c th s dng mua hng nhng phi tr y

vo ti khon vo cui thng

Thc t, th tn dng thu ph cho vay tin mua hng trong

mt thng
Th tn dng thu ph ban u l th mua hng cc ca hng,

sau cc bn trung gian hnh thnh mt mng li ca cc doanh nghip tham gia m rng th trng
American Express l mt trong nhng loi th tn dng thu ph

quc gia ni bt nht

Th tn dng (Credit cards)

Th tn dng cho php khch hng thanh ton mt phn hoc

ton b ha n hng thng ca h v ti tr cho phn s d cha thanh ton

Th tn dng lin quan n hai ngn hng ngn hng pht

hnh v ngn hng ca nh bn l

Cc bc trong thanh ton th tn dng

Ngi tiu dng s dng th tn dng Nh bn l gi phn ha n n ngn hng ca h Ngn hng ca nh bn l s tr tin cho nh bn l, ghi li cc

giao dch, sau chuyn cc ha n cho trung tm thanh ton b tr

Trung tm thanh ton b tr chuyn ha n cho ngn hng

pht hnh th
Ngn hng pht hnh thanh ton cho ngn hng ca nh bn l

sau thu li t khch hng

Th rt tin mt (Cash cards)

Th rt tin mt ch yu c dng ti my rt tin t ng

(ATM)
Khch hng c th rt tin mt, chuyn tin hoc gi tin, hay

thc hin cc chc nng ngn hng khc bng cch a th vo my v nhp m s nhn dng c nhn (PIN)

Th ghi n (Debit cards)

Th ghi n chuyn tin t ti khon ngi tiu dng vo ti

khon ca nh bn l
Th ghi n cho php thc hin giao dch ti im chp nhn th

(POS) ngay lp tc

Th thng minh (Smart cards)

Th thng minh l th ghi n, th tn dng hay cc loi th khc

c gn chp in t (microchip)
Chp in t lu gi gi tr v s dng logic gn km thay

i gi tr v ghi nhn cc giao dch

5.2. H thng thanh ton mi

Sc in t Token in t

5.3. Thanh ton ngn hng

Chuyn tin in t (EFT electronic funds transfer) Gi tin trc tuyn Thanh ton t ng Trung tm thanh ton b tr (ACH automated clearing house) Chuyn tin trc tuyn H thng thanh ton b tr lin ngn hng (CHIPS clearing

house interbank payment system)

Lu
nh k thut s Xut trnh sc in t (ECP Electronic check presentment)

6. VN AN NINH
Xc nh cc vn v an ninh ngn hng phi i mt Lit k cc cch ngn hng v cc t chc ti chnh khc chng

li cc hnh vi phm php

Cc vn an ninh trong ngnh ngn hng

An ninh lin quan n vt l Cng ngh Ti phm

An ninh vt l
Thit k xy dng Cng ngh gim st v bo ng o to nhn vin An ninh giao thng

An ninh cng ngh

Cng ngh bo mt An ninh vt l Cc chnh sch hnh chnh

Gian ln
Gian ln sc Gian ln th tn dng Gian ln trong tn dng

Ngn nga gian ln

Qun tr ngn hng o to nhn vin Trnh gio dc ca ngi tiu dng

Gi
S dng sc c cc tnh nng bo mt Khng in s bo him x hi ln t sc Ch k ln sc ngay trc khi nhn tin hoc gi tin Khng li bt k trng no khng in trn sc Kim tra ti khon thng xuyn Hy cc ha n, giy t khng cn thit Thn trng vi in thoi, dng c nhn v cc thng tin trn

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