Nhng kin thc c bn v giao dch trn TTCK Vit Nam

Chng khon l g? Cc khi nim Chng khon l hng ho trn th trng chng khon bao gm: c phiu, tri phiu v mt s loi khc nh quyn mua c phiu mi, hp ng tng lai, hp ng quyn la chn, chng ch qu u t. 1. C phiu: C phiu l chng t xc nhn quyn s hu v li ch hp php ca ngi s hu c phiu i vi ti sn hoc vn ca cng ty c phn. Khi s hu c phiu, bn s tr thnh c ng ca cng ty . Vi t cch l c ng, bn c cc quyn li sau: a. Nhn c tc: C tc l mt phn trong li nhun kinh doanh ca cng ty m mi mt c ng c chia tu theo t l gp vn ca c ng. Mc chi tr cng nh hnh thc chi tr c tc tu thuc vo kt qu hot ng sn xut kinh doanh ca cng ty v do Hi ng Qun tr hoc i hi c ng quyt nh. b. Quyn mua thm c phiu mi: Trong qu trnh hot ng, cng ty c php pht hnh thm c phiu tng vn. bo v quyn li ca nhng c ng hin ti, khi pht hnh thm c phiu, cng ty thng dnh quyn u tin mua thm c phiu mi cho nhng c ng ny, tng ng vi t l c phn gp vn ca h thng l vi gi u i hn so vi cc c ng mi. c. Quyn b phiu: Trong cc cuc hp i hi c ng, c ng ph thng c quyn b phiu cho cc chc v qun l cng ty; b phiu quyt nh cc vn quan trng ca cng ty. Nu khng tham d i hi c ng c, c ng c th u quyn cho ngi khc thay mt. d. Quyn tip cn thng tin: C ng c quyn c thng bo kp thi mi din bin trong cng ty, c bit nhng tnh hnh c kh nng tc ng mnh n gi c phiu. Cc bo co ti chnh nh k v cc loi thng bo cng l cc thng tin m c ng c quyn c tip cn. Tuy nhin, i vi nh u t, c tc v cc quyn trn khng phi l ngun li duy nht do c phiu mang li. Ngoi c tc ra, nhiu nh u t cn k vng vo mt khon chnh lnh gia gi mua c phiu v gi bn c phiu. Tt nhin, nu c phiu tng gi so vi thi im mua vo th khi bn ra ta s c li, cn ngc li, nu c phiu xung gi th s l vn. Tuy nhin vic l v li ny ch mang tnh cht s sch nu bn cha bn chng khon i. V mt gi tr, bn vn ang s hu mt t l nht nh cng ty c

phn. Nh vy, tng li tc m bn k vng c phiu s l c tc cng vi khon chnh lch gi. 2. Tri phiu: L mt loi chng khon xc nhn ngha v tr n (bao gm vn gc v li) ca t chc pht hnh tri phiu i vi ngi s hu tri phiu. Khi mua tri phiu, bn tr thnh ch n ca t chc pht hnh cn gi l bn vay (c th l chnh ph, chnh quyn a phng hoc cc cng ty). D trong iu kin no bn u c quyn c hng cc khon thanh ton li v hon tr gc khi o hn nh cam kt. Bn cng c quyn c cung cp tt c nhng thng tin v tnh hnh lm n ca bn vay, kt qu cng nh trin vng trong tng lai. Vi t cch l ngi s hu tri phiu hay cn gi l tri ch, bn s c u tin thanh ton ti sn thanh l khi cng ty b ph sn trc cc c ng. Tuy nhin, bn khng c tham gia vo nhng quyt nh ca t chc pht hnh, v cng khng c ''chia g'' thm ngoi nhng khon t chc pht hnh cam kt. a. i vi tri phiu, bn cn lu mt s vn sau:

Thi hn ca tri phiu: l khong thi gian tn ti ca khon vay, t khi cho vay n khi nhn li cc khon li v vn gc. Chng hn, nu mt tri phiu c thi hn 10 nm v c bn nm gi qua 04 nm (k t khi mi pht hnh) th thi gian o hn ca tri phiu = 10 - 04 = 06 nm. Mnh gi ca tri phiu: l s tin ghi trn t tri phiu v s c bn vay hon tr khi tri phiu ht hn. Gi tri phiu: l gi khi nh u t mua tri phiu, n c th bng, thp hn hoc cao hn mnh gi. Li sut cung phiu (li coupon): l t l li hng nm tnh trn mnh gi tri phiu m t chc pht hnh phi thanh ton cho ngi u t trong sut thi hn ca tri phiu. Li sut th trng:l mc li m th trng i hi i vi mt khon vay c th, tu thuc vo thi im vay v thi hn vay. Ngi ta thng coi li sut vay tn dng di hn l li sut th trng. Thng thng khi pht hnh tri phiu, ngi pht hnh s n nh mc li sut cung phiu bng vi mc m th trng i hi, khi tri phiu s c bn theo mnh gi.

Tuy nhin tng sc hp dn ca t pht hnh hoc gim bt gnh nng tr n hng nm ca ngi pht hnh, ngi pht hnh cng c th n nh mc li sut cung phiu cao hn hoc thp hn mc li sut m th trng i hi. Chng ta cng cn ch rng, khi li sut th trng tng ln th gi tri phiu gim v ngc li, khi li sut th trng gim th gi tri phiu s tng ln, tc l gi tri phiu s thay i ngc chiu vi bin ng ca li sut th trng. b. Mc ch ca ngi mua tri phiu nhm thu c cc ngun li tc sau:

Li sut nh k. c t r theo li sut cung phiu thng l mt nm mt ln hoc nhiu ln. Li ca li: Sinh ra khi cc khon li nh k khng b tiu dng m c tip tc ti u t. Chnh lch gi Khon chnh lnh gia gi mua vo v gi bn ra ca tri phiu.

-------------Cch thc mua bn chng khon Trn th trng chng khon, nh u t c th: 1. Mua chng khon ca t chc pht hnh

Mua trc tip ti t chc pht hnh: Nh u t phi ng k mua v np tin trc tip ti t chc pht hnh chng khon. Hnh thc ny rt bt cp, nht l v mt a l. Mua thng qua trung gian: Trung gian y l cc nh i l hoc cc nh bo lnh pht hnh, thng thng l cc cng ty chng khon v cc ngn hng thng mi. Nu bn mua chng khon ca t chc pht hnh cha nim yt trn Trung tm GDCK th vic chuyn nhng hoc bn li chng khon cho ngi khc hin nay gp nhiu kh khn v khng d tm c ngi mua. Hn na, bn bn phi trc tip n cng ty (hoc u quyn) thc hin chuyn nhng cho ngi mua.

2. Mua bn chng khon nim yt trn Trung tm giao dch chng khon Chng khon nim yt l chng khon c iu kin v tiu chun c ng k mua bn ti TTGDCK, thng l cc cng ty kinh doanh c hiu qu pht hnh, tnh hnh ti chnh c kim ton v thng tin v doanh nghip c cng b cng khai cho mi ngi bit. Quy trnh giao dch chng khon nim yt ti TTGDCK c m t theo cc bc: Bc l: Nh u t n m ti khon v t lnh mua hay bn chng khon ti mt cng ty chng khon. Bc 2: Cng ty chuyn lnh mua hoc bn chng khon cho i din ca cng ty ti TTGDCK. Ngi i din ny s nhp lnh vo h thng ca TTGDCK. Bc 3: Trung tm gian dch chng khon thc hin ghp lnh v thng bo kt qu giao dch cho cng ty chng khon. Bc 4: Cng ty chng khon thng bo kt qu giao dch cho nh u t.

Bc 5: Nh u t nhn c chng khon (nu l ngi mua) hoc tin (nu l ngi bn) trn ti khon ca mnh ti cng ty chng khon sau 3 ngy lm vic k t ngy mua bn. Lu : Nh u t ch c th giao dch mua bn chng khon thng qua trung gian cng ty chng khon ch khng c giao dch trc tip ti TTGDCK hoc trc tip vi nhau. -------------Nhng quy nh khi mua bn CK nim yt trn TTGDCK 1. M ti khon giao dch ti mt trong cc cng ty chng khon.

Vic m Ti khon giao dch l quy nh bt buc i vi tt c cc t chc v c nhn mun tham gia mua bn chng khon. V th tc m ti khon bn s c hng dn c th ti cng ty chng khon m bn chn.

Cc giy t cn thit m ti khon:

Nu bn l khch hng u t c nhn: ch cn bn sao chng minh th nhn dn v km bn gc kim tra i chiu. Nu l nh u t t chc th cn phi c: bn sao cng chng quyt nh thnh lp hoc giy php thnh lp doanh nghip, cng vi bn sao cng chng quyt nh b nhim v bn sao chng minh th nhn dn ca ngi tham gia iu hnh ti khon.

m bo giao dch an ton, theo quy nh hin nay, bn phi k qu bo m v mc k qu phi m bo 100%. iu ny c ngha khi t lnh giao dch, bn phi c 100% s d tin hoc chng khon trn ti khon ca mnh. 2. Nhng quy nh v giao dch chng khon Thi gian giao dch: Tt c cc ngy trong tun t th hai n th su, tr cc ngy ngh l, Tt v cc ngy ngh theo quy nh ca Lut lao ng. Hin ti mi ngy giao dch bt u nhn lnh t 9 gi v khp lnh ln u vo 9 gi 20 pht. T 9 gi 20 n 10 gi, th trng ngh giao dch. T 10 gi, th trng tip tc nhn lnh t hai, n 10 gi 30 pht, th trng s khp lnh t 2. t lnh giao dch: Bn c th la chn cc hnh thc t lnh sau:

- n trc tip tr s ca Cng ty chng khon t lnh - t lnh qua in thoi - t lnh qua mng Interrnet. Cc quy nh trong giao dch:

Giao dch l chn: Mi ln mua bn chng khon, s lng chng khon bn giao dch phi l bi s ca 10 c phiu hoc 10 tri phiu. (10 chng khon quy c l 1 l). V d: Bn c th t mua l 10, 20, c phiu, ch khng c t mua 5, 15, 17, . c phiu. Giao dch l ln: L nhng giao dch chng khon c khi lng bng hoc ln hn 10.000 c phiu v bng hoc ln hn 3 tri phiu. Gi tham chiu: Gi tham chiu ca nhng chng khon ang giao dch bnh thng l gi khp lnh ca phin giao dch trc v c ly lm c s cho vic tnh gii hn dao ng gi chng khon. Bin dao ng gi: L khong dao ng gi chng khon quy nh trong ngy giao dch. Bin c p dng hin nay l 5% gi tham chiu i vi c phiu. Tri phiu khng p dng bin giao dch.

V d: Gi giao dch ca c phiu A phin ngy hm qua l 20.000 ng/1 c phiu th trong ngy hm nay, gi tham chiu ca c phiu A s l 20.000 ng. Khong dao ng gi trong ngy hm nay l 20.000 x ( 5%) - tc l trong khong t 19.000 21.000 ng. n v yt gi theo quy nh hin hnh: Gi t lnh ngoi vic nm trong khong dao ng gi trong ngy cn cn tun th n v yt gi. C th: V d: V chng khon A c gi tham chiu l 20.000 ng cho ngy giao dch hm nay nn nm trong khung mc gi nh hn 49.900 ng, n v yt gi i vi c phiu A s l 100 ng. iu c ngha l bn ch c t lnh mua hoc bn c phiu A vi cc mc gi: 19.000; 19.100; 19.200; 19.300; 19.400; 19.500; 19.600; 19.700; 19.800; 19.900; 20.000; 20.100; 20.200; 20.300; 20.400; 20.500; 20.600; 20.700; 20.800; 20.900; 21.000 cho phin giao dch ngy hm nay. -------------Gi khp lnh c xc nh nh th no Trong mi phin giao dch, gi giao dch ca mi loi chng khon c hnh thnh sau khi khp cc lnh c nhp vo h thng theo trnh t nguyn tc u tin sau: * u tin v mc gi:

Lnh MUA c mc gi CAO hn s c u tin thc hin trc. Lnh BN c mc gi THP hn s c u tin thc hin trc.

* u tin v thi gian: Trng hp cc lnh mua bn c cng mc gi th lnh no nhp trc vo h thng giao dch c u tin thc hin trc. * u tin v khi lng: Nu c mc gi v thi gian u nh nhau th lnh no c khi lng ln hn s c u tin thc hin trc. Gi giao dch c xc nh theo nguyn tc:

L mc gi thc hin c khi lng giao dch ln nht. Nu c nhiu mc gi cng tho mn khi lng giao dch ln nht th chn mc gi gn vi gi tham chiu. Nu vn c nhiu mc gi tho mn 2 nguyn tc trn th mc gi cao nht s c chn.

V d: C cc lnh mua, bn CP ca cng ty A nh sau: Lng bn 10 2.000 200 120 100 --Gi c Th trng 20.200 20.100 20.000 19.900 19.800 Lng mua 15 10 20 30 30 100

Ta thy mc gi 20.000 lng CP t mua v cho bn l nhiu nht c 75 CP t mua v 120 CP cho bn, nn ch thc hin bn c 75 CP, cn 45 CP cho bn vi gi 20.000 theo trt t u tin v thi gian vo phin giao dch sau. Cc lnh mua vi gi thp hn 20.000 v cc lnh bn vi gi cao hn 20.000 u cha c thc hin. Cc lnh cn li (cha thc hin) sau khi phi hp nh sau: Lng bn -2.000 Gi c Gi th trng 20.200 Lng mua -----

200 45 ----Quy nh v thanh ton:

20.100 20.000 19.900 19.800

----30 100

Sau khi lnh ca bn c thc hin, cng ty chng khon s t ng trch tin hoc chng khon t ti khon ca bn thc hin thanh ton. ng thi cng ty chng khon s gi thng bo xc nhn kt qu giao dch hoc ho n thanh ton km thng bo xc nhn kt qu giao dch.

S tin bn nhn c t vic bn chng khon bng khi lng chng khon bn nhn vi gi giao dch v tr i ph mi gii. S tin bn phi tr t vic mua chng khon bng khi lng chng khon mua nhn vi gi giao dch v cng vi ph mi gii.

Ph mi gii: Mc ph cng ty chng khon p dng l 0.5% mi ln giao dch c khp lnh. Gi tr giao dch cng ln, mc ph c p dng cng gim xung tng ng. Sau 3 ngy lm vic k t ngy lnh mua hoc bn ca bn c thc hin, bn s nhn c chng khon hoc tin lu k chng khon (quy nh T+3) m bo cho chng khon ca bn an ton, trnh mt mt, chy, hng, b tro i...thm na m bo bn c hng y v thun tin nhng quyn v li ch do chng khon mang li, bn nn gi (lu k) chng khon ca bn ti mt thnh vin lu k do bn la chn (bn c th s dng dch v Lu k ca cng ty chng khon). Dch v ny bao gm vic lu gi, bo qun cc chng khon v gip thc hin cc quyn ca ch s hu chng khon. Sau khi lu k, nu bn c nhu cu rt chng khon, bn vn c th lm th tc rt chng khon ti cng ty chng khon. ----------------------Nh u t cn lu khi u t vo TTCK u t vo TTCK c kh nng sinh li cao, nhng cng c th thua thit ln, bi v quy lut ca u t ni chung l: Mc sinh li cng cao, th ri ro li cng ln. Ri ro trong u t c hiu l s bp bnh, khng chc chn ca tin li u t. Tc l mc bp bnh, s dao ng ca thu nhp cng nhiu th ri ro cng cao. Chnh thuc tnh ri ro ny lm cho th trng chng khon thm hp dn.

 thnh cng trn th trng chng khon ngi u t cn c mt s kin thc nht nh v chng khon, th trng chng khon, bit su tp, bit c - hiu v bit phn tch thng tin v th trng; bit cc cng ty chng khon v dch v ca h; c mt s hiu bit v giao dch mua bn chng khon th trng chng khon... c th vng vng u t vo th trng chng khon trc ht bn cn phi c kin thc v thng tin c th: Phn tch, nh gi cng ty nim yt Vic phn tch nh gi cng ty thng i km d bo cc iu kin, kh nng pht trin ca cng ty ban gm : nh gi c phiu, phn tch ti chnh cng ty, phn tch cc mt khc ca cng ty nh phn tch v nng lc iu hnh cng ty ca ban gim c, hi ng qun tr ; phn tch th trng tiu th, th trng nguyn vt liu ca cng ty, hay phn tch u vo v u ra ca cng ty; phn tch so snh cng ty trong ngnh ca n v trong nn kinh t quc dn c s la chn chng khon u t. Ngi ta thng gi phn tch dng ny l phn tch c bn. Trong phn tch loi ny, mt s ti liu ht sc quan trng l bn co bch ca cng ty cn phi c nghin cu. -------------Cch thc m ti khon giao dch cng ty chng khon 1. Lm th no u t vo chng khon: Bc 1: Xc nh s tin bn c th u t. S tin ny phi s dng c trong giai on nht nh. Bc 2: Xc nh mc tiu u t. iu ny s quyt nh vic la chn c phiu no cho danh mc u t ca bn. Bc 3: Nu c th, to lp mt danh mc u t a dng. Trnh u t vo c phiu ca mt Cng ty ring l. Bc 4: M s giao dch chng khon l bt buc i vi mi nh u t nc ngoi ti Vit nam. M s giao dch chng khon do Trung tm giao dch chng khon cp. cho cng ty chng khon s gip bn xin M s giao dch chng khon ny. Bc 5: M ti khon ti 1 Cng ty chng khon l thnh vin ca Trung tm giao dch chng khon. Theo quy nh, cc giao dch lin quan n chng khon nim yt ch c th thc hin thng qua thnh vin caTrung tm Giao dch. Nh mi gii l ngi c

trch nhim cui cng thc hin giao dch cho bn do vy Nh mi gii c ton quyn yu cu bn cung cp cc thng tin cn thit, yu cu bn k qu tin v chng khon. Bc 6: Tho lun vi Nh mi gii v mc tiu v xc nh chin lc u t ca bn. Trc khi thit lp danh mc u t ca mnh, bn nn nghin cu Tt c cc thng tin lin quan n c phiu ca Cng ty m bn d nh mua. Bc 7:Hin nay c 2 loi lnh giao dch chng khon c p dng Vit nam. Bn c th a ra gii hn v gi, l lnh gii hn. Bn c th khng cn phi xc nh mc gi, khi lnh ca bn s c thc hin theo mc gi khp lnh ca th trng, l lnh ATO Bc 8: Bn s nhn chng khon mua v thanh ton chng khon bn vo ngy thanh ton b tr (quy nh hin nay l 3 ngy sau ngy giao dch). Tt nhin giao dch lin quan n chng khon nim yt ch c thc hin thng qua h thng lu k m khng c s chu chuyn vt cht ca chng khon. S thay i s hu c thc hin thng qua chng t ghi s in t n gin, Tt c cc cng vic ny u do Nh mi gii thc hin cho bn. 2. m ti khon giao dch chng khon ti cng ty chng khon ti phi p ng cc iu kin g? m ti khon ti cng ty chng khon bn phi p ng cc iu kin: T 16 tui tr ln C CMTND, h chiu hp l C tin v chng khon

i vi nh u t nc ngoi phi c thm M s giao dch chng khon. 3. M s giao dch chng khon l g, lm th no c cp m s giao dch chng khon? M s giao dch chng khon l s hiu nh u t nc ngoi do Trung tm giao dch chng khon cp sau khi thm nh H s xin cp M s kinh doanh chng khon ca nh u t nc ngoi. Cng ty chng khon s gip bn xin M s giao dch chng khon. H s xin m s giao dch chng khon gm c: n xin ng k M s KDCK Phiu thng tin v c nhn/t chc u t nc ngoi L lch t php (i vi nh u t c nhn) Giy php thnh lp (i vi nh u t l t chc) Ngh quyt ca b nhim ngi i din

4. Cc ti liu xin cp M s kinh doanh chng khon v m ti khon ti cng ty chng khon c cn xc nhn, cng chng khng? i vi nh u t nc ngoi cn phi cng chng cc H s ti liu cn thit. Cc ti liu (tr Th mu ch k v n xin m ti khon) phi c cng chng nc s ti v ti xc nhn ti Lnh s qun Vit nam nc s ti hoc c xc nhn bi Lnh s qun ca nc s ti ti Vit nam v ti xc nhn ca S ngoi v ti Vit nam v thm quyn ca Lnh s qun . Tt c cc ti liu (tr Th mu ch k v n xin m ti khon) phi c dch ra ting Vit v cng chng ti Vit nam. Cc nh u t trong nc l c nhn s khng cn cng chng, nh u t l t chc phi cng chng Giy php thnh lp, hot ng v iu l t chc v hot ng. 5. H s m ti khon ti cng ty chng khon gm nhng g? Nhng mu biu bn cn in: Giy yu cu m ti khon

Nhng ti liu cn thit: Ti khon c nhn Bn sao CMND hay H chiu Bn sao Giy php lm vic (cho c nhn ngi nc ngoi lm vic ti VN) Th ch k mu.

Ti khon t chc Bn sao iu l Cng ty Ngh quyt ch nh cn b lnh o tham gia k kt v iu hnh ti khon ti cng ty chng khon Giy chng nhn thnh lp Cng ty Giy php thnh lp 6. Ti c th m bao nhiu ti khon?

Bn ch c th m mt ti khon duy nht ti mt Cng ty chng khon Vit nam. Bn phi chn Cng ty chng khon ph hp m ti khon. 7. Ti c th m nhng loi ti khon no?

cng ty chng khon hin a ra mt s loi ti khon nh ti khon c nhn, t chc, ti khon y thc. Tt c cc mu m ti khon c cung cp ti cc Vn phng ca cng ty chng khon

8.

Yu cu u tin khi m ti khon l g?

Khng c mt yu cu no i vi bn khi m ti khon. Tuy nhin, thc hin giao dch, bn cn np tin v lu k c phiu vo ti khon. 9. Ti c th mua nhng loi chng khon no trn ti khon ca mnh?

Bn c th mua Tt c cc loi c phiu v tri phiu nim yt. 10. Ti c th t nhng loi lnh no?

Cng ty chng khon nhn tt c nhng loi lnh thng thng, bao gm lnh ATO v lnh gii hn. Lnh cha c khp s khng cn hiu lc vo cui ngy giao dch. C th hy v sa lnh trong phin giao dch, trc gi ng ca. 11. Ti c thng bo v cc giao dch thc hin nh th no?

Xc nhn kt qu giao dch s c gi qua th tn, th in t hay fax trong ngy lm vic tip theo sau ngy giao dch c thc hin. Khch hng cng s c xc nhn ngay lp tc sau phin giao dch bng tin nhn nu bn ng k s in thoi di ng vi cng ty chng khon 12. Vic thanh ton c thc hin nh th no?

Tng chi ph giao dch (bao gm tin mua chng khon, ph mi gii v thu gi tr gia tng nu c) s c khu tr trn s d ti khon ca bn vo ngy lm vic th hai sau ngy giao dch (T+2). Tin bn chng khon cng s c chuyn v ti khon ca bn 3 ngy sau ngy giao dch (T+3). 13. Lm th no np tin vo ti khon?

i vi nh u t nc ngoi th tc np tin ph thuc vo loi tin bn np: Nu np tin Vit bn c th la chn cc cch thc sau: chuyn khon ni b, chuyn khon t bn ngoi v np tin trc tip vo ti khon. np tin bng chuyn khon t bn ngoi vo ti khon ca bn ti cng ty chng khon bn phi c S ti khon ca cng ty chng khon m cho ngi u t v hng dn ngn hng ca bn chuyn tin nh sau: V d :Ngn hng XBANK Vit nam,Trung tm Giao dch 1. S ti khon: 7311.0365

Ngi th hng: tn v s ti khon ca bn ti cng ty chng khon Ch : Khch hng s fax hay gi lin hai Giy np tin n cng ty chng khon trc 3h30 chiu m bo thc hin c giao dch ngay trong ngy lm vic tip theo. Giao dch ca bn b gii hn bi s d tin bn k qu trong ti khon. Trong trng hp bn np bng ngoi t, bn s phi m 1 ti khon tin gi thanh ton ngoi t ti 1 Ngn hng c php kinh doanh nghoi t. Bn, cng ty chng khon v Ngn hng s k 1 tha thun theo Ngn hng s cung cp s d, chuyn i ngoi t trn ti khon tin gi ngoi t ca bn thnh tin ng v chuyn cho cng ty chng khon thc hin cc giao dch chng khon ca bn ti cng ty chng khon Khi np tin bng ngoi t ti Ngn hng bn phi cung cp t khai hi quan v s tin bn mang vo Vit nam hoc cc giy t khc chng minh ngun gc s tin np . Trng hp bn l nh u t trong nc, th tc np tin ging nh trng hp np tin Vit ca nh u t nc ngoi nu trn. 14. Lm th no rt tin ra khi ti khon? Bn c th rt tin Vit trc tip ti cc Quy giao dch hay chuyn khng qua Ngn hng bng cch in Giy rt tin hay Giy yu cu chuyn khon ti ni giao dch. Bn ch c th rt tin trong phm vi s d ti khon. Mt khi yu cu rt tin ca bn c hiu lc, gii hn giao dch s lp tc t ng gim phn nh vic rt tin. Trong trng hp nh u t nc ngoi mun rt chuyn i ra ngoi t v chuyn ra nc ngoi, bn phi thng bo vi chng ti trc mt (01) ngy chng ti phi hp vi Ngn hng thc hin cc th tc cn thit. Bn phi lu rng bn ch c th chuyn tin ra nc ngoi mt (01) nm sau khi bn chuyn khon tin vo Vit nam. 15. Lm th no chuyn tin v chng khon t Cng ty chng khon khc v ti khon ca ti? Nu bn chuyn tin v chng khon t Cng ty chng khon khc, bn cn yu cu Cng ty chng khon ng ti khon ca bn v chuyn khon tin v chng khon v ti khon ca bn m ti Cng ty chng ti. 16. Tin li trn s d tin c tnh nh th no? BVSC s n nh t l li sut trn s d tin tng ng. Tin li tr cho khch hng s c chuyn vo ti khon hng thng. 17. Ti c th vay tin thc hin giao dch khng?

Bn c th thc hin c iu ny nu bn m ti khon ti cng ty chng khon. Bn c th vay tin bng cch cm c cc chng khon ca bn trn ti khon thng qua tha thun ca chng ti vi cc ngn hng thng mi hay t chc ti chnh ti Vit nam. 18. Ti c th t lnh qua nhng cch no? Bn c th t lnh qua in thoi, Fax. Cc lnh giao dch c gi qua th in t hay th tn thng thng s khng c chp nhn. 19. Ti c cn phi c a ch email m ti khon ti cng ty chng khon khng? Bn khng cn thit phi c a ch email. Tuy nhin, email l phng thc nhanh chng v thun tin cho php chng ti p ng yu cu khch hng mt cch cao nht. 20. Nu ti c nhng thc mc v ti khon ca mnh, ti s phi ni chuyn vi ai? Nu c thc mc bn c th gi cho nhn vin mi gii ca cng ty chng khon