11/09/2012

CHNG VI:

Nhng phng tin thanh ton quc t

Ging vin . Bi hong Ngc Email : bui.ngoc@dntu.edu.vn

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Ni dung chnh
3 1 2 3 3 4 3 5

Hi phiu l g ? K phiu l g ? Sc Th Mt s phng tin khc

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I. Hi phiu ( Bill of exchange )

Khi nim : Lut Hi phiu ca Anh nm 1882 nh ngha : Hi phiu l t mnh lnh v iu kin do ngi k pht i tin ngi khc, bng vic yu cu ngi ny khi nhn thy hi phiu hoc n mt ngy nht nh, hoc mt ngy c th xc nh c trong tng lai,

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I. Hi phiu ( Bill of exchange )

phi

tr mt s tin nht nh cho ngi hng li quy nh trn hi phiu, hoc theo lnh ca ngi ny tr cho ngi khc, hoc tr cho ngi cm hi phiu.

1.1 Mu hi phiu

1.2 Cc bn lin quan

Ngi k pht ( Drawer )

Ngi hng li ( Beneficiary )

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1.3 C s php l ca hi phiu

Lut Hi phiu ca Anh nm 1882 Lut thng nht v hi phiu ( Uniform Law
for Bill of Exchange ) do cc nc tham gia Cng c Geneva a ra nm 1930.

Lut Thng mi Thng nht ca M nm

1962.

y ban Lut Thng mi quc t ca Lin

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hip quc ngy 18/2/1982 v hi phiu v Lnh phiu quc t

1.4 Ni dung chnh ca hi phiu

Tiu ca hi phiu

Ni dung

S hiu ca hi phiu a im k pht Ngy k pht hi phiu

1.4 Ni dung chnh ca hi phiu

S tin bng s

Ni dung
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Thi hn tr tin S th t bn hi phiu Mnh lnh i tin v iu kin Tn ngi th hng

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1.4 Ni dung chnh ca hi phiu

S tin bng ch

Ni dung
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Tham chiu chng t km theo Tn ngi nhn k pht Tn v ch k ngi k pht

1.5 Phn loi hi phiu

Hi phiu c nhiu loi, nhng mi loi ch thch hp cho mt hon cnh nht nh, nn cn thit phi phn loi + H.phiu thng mi ( do ngi bn k ) + Hi phiu ngn hng ( do ngn hng k )

Phn loi theo ngi k pht

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1.5 Phn loi hi phiu

Phn theo thi hn tr tin

+ Hi phiu tr tin ngay ( sight draft hay draft at sight ) + Hi phiu tr tin sau mt k hn ( time draft ) Trn thc t, thi hn thng c ghi sau ch At , b trng l tr ngay, ghi ngy l c k hn

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V d

Du hiu

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1.5 Phn loi hi phiu

Phn theo phng thc thanh ton + Hi phiu nh thu + Hi phiu tn dng chng t

Du hiu nhn bit : - Chng t c tham chiu - Tn ngi nhn k pht

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V d

Du hiu

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1.5 Phn loi hi phiu

Phn theo chng t km theo + Hi phiu trn ( clean draft ) l loi hi phiu gi n ngi tr tin m khng cn km theo chng t. + Hi phiu km chng t

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Du hiu nhn bit Du hiu nhn bit - Cn c vo iu kin km tr tin Nu ghi D/A ( Documents against Acceptance ) hay D/P ( Documents against Payment ) l hi phiu km chng t.
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V d

Hi phiu trn

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1.5 Phn loi hi phiu

Phn theo ngi th hng + Hi phiu ch danh + Hi phiu v danh + Hi phiu tr theo lnh

Du hiu nhn bit : Cn c vo thng tin sau cm t pay to hay pay to the order of
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V d

Du hiu

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1.6 Mu hi phiu nh thu

No : . For : BILL OF EXCHANGE . / .. / .. / 2012

At . Sight of this FIRST Bill of Exchange ( SECOND of the same tenor and date being unpaid ) pay to the order of . The sum of Drawn under . No .. Date / .. / 2012 To : . ... 21 For and on Behalf of HoaPhat Group ( Authorized Signature )

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1.7 Mu hi phiu tn dng chng t

No : . For : BILL OF EXCHANGE . / .. / .. / 2012

At . sight of this FIRST Bill of Exchange ( SECOND of the same tenor and date being unpaid ) pay to the order of . The sum of Drawn under Irrevocable L/C No .. Date / .. / 2012 To : . ... For and on Behalf of HoaPhat Group ( Authorized Signature )

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1.8 Cch ghi hi phiu

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Tiu hi phiu : BILL OF EXCHANGE S hiu ca hi phiu : a im k pht : Vietnam, 01/02/2012 Ngy k pht : Lnh i tin v iu kin : Pay to S tin ca hi phiu bng s v ch : Thi hn tr tin : Tn ngi hng li :

1.8 Cch ghi hi phiu

Tn, a ch ngi tr tin : a im tr tin ( thng ko ghi ) : S bn ca hi phiu : Ch k ca ngi k pht : Tham chiu vi chng t lm c s k pht dated .. Issued by )

( Drawn under L/C No.

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1.9 Chp nhn hi phiu

Khi nim : Chp nhn hi phiu ( Acceptance ) l mt th tc php l nhm xc nhn vic ng ( m bo ) thanh ton ca ngi tr tin hi phiu.

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Chp nhn hi phiu

Cch lm : c ch Accepted

gc di bn tri, mt sau, hoc ngay

gia mt trc, hoc chp nhn bng vn bn ri. ngha ca chp nhn ? ?

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1.9 Trng hp t chi hi phiu

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Hi phiu c lp khng ng (thi gian) Ni dung hi phiu b thiu mt s phn Hi phiu xut trnh qu mun Hi phiu b ty xa, sa cha. Hi phiu cng b mt.

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1.10 K hu hi phiu

Khi nim : K hu hi phiu (Endosement) l th tc php l chuyn nhng hi phiu t ngi hng li ny sang ngi hng li khc.

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1.10 ngha ca k hu hi phiu

ngha php l - Tha nhn quyn -

hng li ca ngi c chuyn nhng. Xc nh trch nhim ca ngi k hu v vic tr tin ( nhm m bo quyn li cho ngi th hng k tip )

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Cc hnh thc k hu

K hu trng ( Blank endosement ) L hnh thc k hu khng ghi tn ngi th hng s tin ca hi phiu, m ch k tn vo mt sau ca hi phiu.
Ai cm HP l ngi hng li

Nh vy
D dng chuyn nhng
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Cc hnh thc k hu

K hu theo lnh ( Order endosement )

l hnh thc k hu khng ch nh c th m ch suy on ngi th hng s tin ca hi phiu. V d : Pay to order of Mr A ..

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Cc hnh thc k hu

K hu hn ch (Restrictive endosement)
l hnh thc k hu ch nh r ngi th hng v ch c ngi c hng m thi. V d : Pay to Mr A only .
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Cc hnh thc k hu

K hu min truy i ( Without recourse endosement ) l hnh thc k hu m ngi th hng khng c i tin ngi k hu trong trng hp i tin tht bi ngi tr tin. Cch lm : Thm ch Without recourse vo 1 trong 3 hnh thc k hu k trn.

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1.11 Bo lnh hi phiu

Bo lnh hi phiu ( Aval ) l s cam kt ca ngi th ba v vic tr tin cho ngi th hng khi hi phiu n hn. V hnh thc : Bo lnh hi phiu s c lp bng vn bn ring, c lp vi hi phiu

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1.12 Cm c v nh thu hi phiu

Ngi th hng hon ton c quyn cm c cc hi phiu ny ti cc t chc tn dng vay vn. Ngi th hng cng c th chuyn giao hi phiu cho ngi thu h nh thu s tin trn hi phiu, km theo ch th nh thu

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1.13 T chi tr tin v khng ngh

Khi n hn tr tin m ngi tr tin khng tr c, th ngi th hng cui cng c quyn khng ngh hi phiu.
Cch lm : Lp vn bn khng ngh ring, sau 2 ngy k t ngy ht hn thanh ton. V gi cho ngi chuyn nhng trc tip trong vng 4 ngy.

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Trnh t lu thng hi phiu

Ngi th hng 3 4 1 2 Ngi chuyn nhng 1 5 Ngi tr tin HP ( Drawee )
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Ngi k pht HP ( Drawer )

6 Ngi chuyn nhng 2,3,4

II. Lnh phiu ( Promisssory Notes )

Khi nim : Lnh phiu ( K phiu ) l mt bn cam kt tr tin v iu kin trong ngi k pht cam kt s tr mt s tin nht nh, vo mt ngy nht nh cho ngi th hng c ghi tn trn lnh phiu, hoc tr cho ngi khc theo lnh ca ngi th hng

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So snh hi phiu vi lnh phiu ?

Hy so snh tnh php l gia Hi phiu v Lnh phiu ?

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Nhng im ging nhau

V trnh t v quy tc lu thng th lnh phiu ging ht hi phiu. Cc iu lut dng iu chnh hi phiu cng c p dng cho k phiu

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Nhng im khc nhau

Hi phiu l mnh lnh i tin, trong khi lnh phiu ch l cam kt tr tin. Hi phiu ch do mt ngi k pht, trong khi lnh phiu c th do mt hoc nhiu ngi k.

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Hi phiu thng gm 2 bn, trong khi lnh phiu ch c 1 bn.

2.1 Ni dung chnh ca k phiu

I. II. III. IV. V. VI.

Tiu : Promisssory Notes Cam kt tr tin S tin phi tr Thi hn tr tin a im tr tin Tn, a ch ngi hng li

VII. Thi gian v a im k pht

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VIII. Ch k ca ngi k pht

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III. Sc ( Cheque )

Sc ( Cheque ) l mnh lnh v iu kin do ch ti khon k pht yu cu Ngn hng trch tin t ti khon ca mnh tr cho ngi cm sc hoc cho ngi c tn trn sc, hoc tr theo lnh ca

ngi ny.
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3.1 Nhng ngi lin quan n sc

Ngi k pht sc

NH chi sc

Ngi th hng

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3.2. Ni dung ca t sc

Phi c tiu Sc hoc Cheque Ngy thng nm pht hnh t sc a im pht hnh sc Ngn hng thanh ton sc Ti khon dng thanh ton sc S tin thanh ton ca sc bng ch v s Ngi hng li ca sc 46 Tn v ch k ca ngi pht hnh sc

3.3 Hiu lc ca sc

Sc ch c gi tr thanh ton nu hiu lc ca n cha ht han. Theo Cng c Geneve 1931 th sc c hiu lc nh sau : - 8 ngy nu lu thng trong 1 nc. - 20 ngy nu lu thng trong 1 Chu. - 70 ngy nu lu thng khc Chu.

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3.4 Phn loi sc

Phn
sc

theo tnh cht lu chuyn ca

Sc ch danh ( Nominal Cheque ) Sc v danh (Cheque to Bearer ) Sc theo lnh ( Cheque to order )

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3.4 Phn loi sc

Phn theo c im s dng sc Sc gch cho ( Crossed Cheque ) : l loi sc c 2 gch cho song song mt trc. Loi sc ny khng c rt tin mt, ch dng thanh ton qua ngn hng.

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3.4 Phn loi sc

Sc xc nhn ( Certified Cheque ) : l loi sc c Ngn hng xc nhn vic m bo tr tin Sc du lch ( Traveller Cheque ) l loi sc do mt Ngn hng pht hnh v khch hng c tr tin ti bt k chi nhnh hay i l no ca Ngn hng .

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IV. Th thanh ton ( Plastic Card )

c gio trnh Chng 3

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Bi tp v nh

Cty

Vinamit VN k hp ng xut khu ht

iu cho Cty Jamil Hoa K vi gi 9$/kg FOB Hochiminh, Viet nam. S lng 20 tn, dung sai +/-10%, giao hng trong thng 12/2011. Ngy 15/11/11 Cty Jamil m L/C khng hy ngang s 2311-JA-VN tr ngay
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Ngn

hng

City

Bank

ti

Vietcombank cho Vinamit hng li s tin 180.000 $.

Bi tp v nh

Thi

gian giao hng chm nht l ngy

31/12/11, L/C c hiu lc trong vng 60 ngy k t ngy m.

Cng ty Vinamit giao hng ng hn trong

L/C tr gi 170.000 $. Bn hy gip Vinamit k pht Hi phiu i tin theo L/C v hp ng ngoi
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thng

031111/VN-JA

ngy

03/11/11

Bi tp v nh

Mt cng ty X n ngn hng A xin vay 150.000 SGD, thi hn vay 3 thng km theo phng n xin vay hiu qu. Ngn hng ng cho vay nhng trong ngn qu khng c SGD m ch c 100.000 USD.

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Bi tp v nh

vy p ng nhu cu ca khch hng, bo tn ngn qu, ngn hng cn thc hin nghip v Swap.

Cho
Hy
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bit : T gi USD/SGD = 1,50. Li sut ng USD l 5,5%/nm, li sut ng SGD l 5,75% /nm.
tnh s tin li m Ngn hng thu c khi cho khch hng vay ?

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