Bai 4

Phng thc thanh toan

Documentary credits

Hoi phieu

Th tn dung (Letter of credits)

Khai niem th tn dung
Noi dung th tn dung
Y ngha th tn dung
Cac loai th tn dung.

Th tn dung
Letter of credit
Khai niem

Cac loai th

Tnh chat

Noi dung

Th tn dung ?

Khai niem
th tn dung

Tra T,Cam ket tra tien,

chap nhan HP

BCT hp le

Noi dung
th tn dung

So hieu, a iem
20: Documentary Credits number
Loai th tn dung
40A: Form of Documentary credits
Ten va a ch cac oi tng tham gia
From (Sender)
To (Receiver)
50: Applicant
59: Beneficiary
42D: Drawee
57D: Advise through bank
49 : Confirming bank ( neu co)
6

Ngay m th tn dung
31 C: Date of Issue
Ngay va a iem het han hieu lc th tn dung
31 D: Date and place of expiry
120325 in Vietnam /in Nego bank/ in Confirming
Bank
Tai sao quy nh a iem het han?
a iem au tot cho XK ?

Thi han hieu lc th tn dung ( 31 C va 31 D)

o
o

Xac nh phu hp
Ngan -- bat li ai ?
Dai ---- bat li ai ?
Quy nh nham muc ch g?
Theo nguyen tac:
X

Issuing date

Shippment
date

Expury date

Thi han giao hang (Date of Delivery)

44 C: Latest date of shipment

Ngay giao hang :19, 20aii,21aii, 22 aii,23

aii, 24aii.
Tren BL : ngay phat hanh hay shipped on
board date ???
Partial shipment : Allowed -- ngay giao
hang???

Thi han giao hang (Date of Delivery)

Xac nh ngay giao hang
on; about: -5 ngay trc X ----+ 5 ngay sau
Date of shipment about (on) 10/5/2011 ( 5/5/- 15/5)

to, until, till, from, between- tnh ca ngay c

e cap en
from -- tnh t ngay a e cap en
after --- khong tnh ngay e cap en
first haft of a month ( 1-15 )
Second haft of a month ( 16-30 )

Beginning of a month (1-10 )

Latest of shipment

End of a month ( 21-30 )

Middle of a month ( 11-20 )

10

Thi han tra tien (date od payment)

42C: Draft at

At sight
Deferred LC (x days after BL date)
Acceptance LC (x days after BL date/ BE
date /sight BE)

11

Thi han xuat trnh chng t

(Period for presentation)

48: Period for presentation:

Docs must be presented within 8 days after B/L

date but with the validity of L/C
48: Period for presentation: xxxxxx
(hoac khong co)

--- trong vong 21 ngay t ngay giao hang

nhng khong muon hn ngay het han hieu
lc thanh toan.

12

So tien th tn dung

32 B: Currency code, amuont

Amount : USD 100,000.00 CIP CATLAI PORT

39A: Perrcentage credit amount tolerance

30 UCP 600

a. Cac t about, circa -- dung sai khong

vt qua +/- 10% cua tong so tien, so lng hay
n gia no e cap en.

13

So tien th tn dung

V du :30.a UCP 600

Invoice
32 B : Currency Code
Amount:
USD 2,000,000.00 (+/_ 10%)
45 A :10 000 MT (+/- 10%)
Price : USD 200/MT

USD 2,120,000.00
10 600 MT

Invoice

USD 1,960,000.00
9,800 MT

14

So tien th tn dung

39A: Perrcentage credit amount tolerance

30 UCP 600
b. Mot dung sai cho phep +/_ 5% khoi lng HH c

cho phep mien la LC khong quy nh so lng tnh bang

n v bao kien hoac bang n v rieng le va tong so
tien thanh toan khong vt so tien tren th tn dung.

15

32 B : Currency Code Amount:

USD 100,000.00
43P: Partial Shipments:
Prohibited
45A :Decription of Goods :
200 METRICS TONS OF STEEL

Invoice
184 metric tons of steel
Total : USD 100,000.00

Invoice

Invoice

195 metric tons of steel

Total : USD 100,000.00

206 metric tons of steel

Total : USD 100,000.00

16

32 B : Currency Code
Amount:
USD 150,000.00
43P: Partial Shipments:
Prohibited
45A :Description of Goods :
1000 Teleprinters

Invoice
1010 Teleprinters
Total : USD 150,000.00

Invoice
1000 Teleprinters
Total : USD 150,000.00

17

So tien th tn dung

39A: Perrcentage credit amount tolerance

30 UCP 600
C. Ngay ca khi LC cam giao H tng phan, dung sai

khong vt qua hn 5% t hn so tien LC la c cho

phep vi ieu kien:
SL HH phai giao u
n gia c neu trong LC, th n gia khong
c giam xuong, hoac khong ap dung 30.b

18

39A: Perrcentage credit amount tolerance

V du :30.c UCP 600
32 B : Currency Code Amount:
USD 100,000.00
43P: Partial Shipments:
Prohibited
45A :Decription of Goods :
200 METRICS TONS OF STEEL

Invoice
182 metric tons of steel
Total : USD 95,000.00

Invoice
200 metric tons of steel
Total : USD 96,000.00

19

ieu khoan ve hang hoa

45 A: Description of goods and/or services
Ten hang
So lng, trong lng
Gia ca, ieu kien c s giao hang.
Bao b
Quy cach pham chat
Ky hieu

20

ieu khoan ve van tai, giao nhan hang hoa

43P :Partial shipment : 31 ICP 600
allowed/ not allowed/ prohibited/ not permitted
43 T : Transhipment 19 UCP 600
allowed/ not allowed/ prohibited/ not permitted
44E: Port of Loading /Air port of Departure

44F:Port of Discharge/ Air port od

Destination

21

Partial shipment ?

ieu 31 UCP 600:

Viec xuat trnh nhieu cac bo chng t

van tai ch ro giao hang tren nhieu
phng tien chuyen ch trong cung mot
phng thc van tai se c coi nh la
giao hang tng phan, ngay ca khi cac
phng tien chuyen ch ri cung mot
ngay e en cung mot ni en
22

Partial shipment ????

Gia nh 3 tau A,B va C cung khi hanh vao
ngay 25/4 -- Partial shipment ?

Vessel A, 21/4
BL date ???
Vessel B,22/4
B

Destination
( to )

Vessel C, 25.4
A+B+C = L/C quantity
23

Partial shipment ????

Port HP, 1/7

BL date ???
Vessel: Mekong 246

Port N, 5/7
B

Port SG, 10/7

Hongkong
port

A+B+C = L/C quantity

24

Trashipment ?

`1

De

Destination
( to )

25

Bo chng t phai xuat trnh

46 A: Documents required
Liet ke cac loai CT, So ban CT

Goc/ phu

Ngi ky phat
Cach gi CT
Ch th xac nhan LC (Field 49)
Confirm (May add)
Without
26

Bo chng t (46A Documents required)

Hi phiu thng mi (Commercial Bill of Exchange)
Hoa n thng mi (Commercial Invoice)
Chng t van tai (Transport Documents)
Chng nhn bo him (Insurance Policy)
Chng nhn xut x (Certificate of Origin)
Chng nhn trng lng (Certificate of quality)
Danh sach ong goi (Packing list)
Chng nhn kim nghim (Inspection Certificate)
27

S cam ket tra tien (Field 41D: Available with by )

(Field 42P: Deferred payment detail)

The hien NH ma tai o LC co gia tr (a iem XT) thanh

toan.
Available with the Issuing Bank by Payment
(Straight LC):
o Bene --- XT BCT cho Iss Bank
o Bebe --- XT BCT Preseting Bank---- Iss Bank
(Bene - XT trc tiep BCT / hoac qua Presenting
Bank cho Iss B, Iss B quyet nh BCT phu hp -- Bat
li cho nha XK trong vie bo sung, tu chnh CT, thay the
CT, va thu T cham.)
28

 Field 42 A : Drawee
-- To: Applicant -- Chng t phu (field 46A)
Cac ieu khoan khac.
1.Ph ngn hng c tnh cho bn no (Field 71B)
2.iu kin c bit hng dn i vi Nego Bank,
Paying Bank, Acc. Bank, Reim Bank (Field 78)
3.Tr tin bng in cho php bi hon (Field 53)
Dn chiu s UCP p dng, Tr bng tin in
(Field 47A Additional Conditions)
Ch ky ngan hang phat hanh
Signature of issuing bank

29

Y ngha
th tn dung

Cot loi oc lap

Tnh
chat

C s
TT

Chnh
saH

T the
H

30

31

QT TT
TDCT
Ngi xin m th
NK

Quy trnh tong quat

HMB

Ngi hng li
XK

4 HHDV
9

TT&
BCT

1 n

NH m th

5 BCT

LC

7 thanh toan

LC

6 BCT

8 BC

NH TB
NHTL

32

33

XK chnh sa CT

-So hieu sai

-Thieu shipping
mark
-anh may nham
-Sai loi chnh ta
-Thieu so H
-Ngay ky cac CT
khac sau ngay ky
van n
-Cang i ,en
khong cu the..

NH PH tu chnh
lai LC

Sai sot nho

NH se th/ toan
vi K NK ky
c/n BCT bhl
34

Gi CT tren c/s
nh thu
-Giao hang tre
-Xuat trnh CT khi
L/C het thi han
-Mua BH khong ung
-Sai n gia, so tien
-BHL l/q en chat
lng, so lng

Sai sot
tram
trong
ien bao
NH m th
BCT bhl

35

36

BCT BHL
Thong bao NK
NK Chap nhan

NK khong ch/ nhan

ien bao NH XK
gi tra CT

Thanh toan
ong y

Gi tra CT
( thu ph )

Khong
ong y

NK

XK

37

38

Nhan ien bao

BCT BHL

NK chap nhan
BCT BHL

Th/bao NK
NK
khongchap nhan

Bao NH XK
& Y/cau gi CT

CT khong co
BHL khac

Thanh toan

CT co
BHL khac

Theo ch th
nha NK

X ly nh BCT
BHL
39

Mode of payment: ( Contract)

Term of payment: 100% Irrevocable LC at
sight
Time of opening LC : within 7 days after
signing contract
Advising Bank: AAA Bank, VN ( Add ..)

Mode of payment: ( Contract)

Term of payment: Irrevocable LC within 60
days after Bill of Lading dates (100%
contract amount)
Time of opening LC : within 7 days after signing
contract
Advising Bank: AAA Bank, VN ( Add ..)

At sight LC
At sight LC/
Negotiation

Usance LC
Acceptance
LC
Usance LC
Deferred
Payment LC
40

Thao luan

Phu luc 7.4 P 289

Thong tin them:

Gia tr Invoice 520 000 USD
Ngay giao hang: 30/8/2008
Ngay 14/9, XK xuat trnh BCT vao NH Thong bao e
yeu cau CK.
43 P : Not allowed ( thay oi)
1.Thi han hieu lc LC la bao nhieu ngay ? Tai sao ngay
m khong co a iem, ngay het han co a iem.?
2.Loai th g ?
3. XK giao hang ung han?

41

Thao luan

Phu luc 7.4 P 289

4. a iem xuat trnh BCT au?

5.Ngay xuat trnh tre nhat theo LC cho phep la ngay
nao? XK co muon khong ?
6. So tien tren HP la bao nhieu?.Co giao hang thieu ?
7. Ve s o quy trnh phng thc thanh toan.

42

Thao luan

Phu luc 7.4 P 289

Gia s : Invoice :520 000 USD

43 P : Not allowed
42C : Draft at sight for 80% invoice value
= So tien tren HP lan lt la bao nhieu?

43

44

45

46

47

48

49