Kim tra b chng t trc khi chp thun thanh ton

Hi phiu (Draft - Bill of Exchange)

- Hi phiu c gi tr thanh ton phi l hi phiu bn gc, c ch k bng tay ca
ngi k pht trn hi phiu
- Kim tra ngy k pht hi phiu c trng hoc sau ngy B/L v trong thi hn hiu
lc ca L/C hay khng. V sau khi giao hng, nh xut khu hon tt b chng t
gi hng ri mi k pht hi phiu i tin.
- Kim tra s tin ghi trn hi phiu, s tin ny phi nm trong tr gi ca L/C v
phi bng 100% tr gi ho n.
- Kim tra thi hn ghi trn hi phiu c ng nh L/C quy nh hay khng. Trn hi
phiu phi ghi At sight nu l thanh ton tr ngay hoc at...days sight nu l thanh
ton c k hn.
- Kim tra cc thng tin v cc bn lin quan trn b mt hi phiu: tn v a ch
ca ngi k pht ( drawer), ngi tr tin ( drawee). Theo UCP- 500, ngi tr
tin l ngn hng m L/C.
- Kim tra s L/C v ngy ca L/C ghi trn hi phiu c ng khng?
- Kim tra xem hi phiu c k hu hay cha. Nu b chng t c chit
khu trc khi gi n ngn hng th trn mt sau hi phiu phi c k hu ca
ngn hng thng hoc hi phiu c k pht theo lnh ca ngn hng thng bo
Mt s trng hp bt hp l thng gp khi kim tra hi phiu
+ Hi phiu thiu hoc khng chnh xc v tn v a ch ca cc bn c lin quans
+ Hi phiu cha k hu
+ S tin ghi trn hi phiu bng s v bng ch khng khp nhau hay khng bng
tr gi ho n
+ Ngy k pht hi phiu qu hn hiu lc ca L/C

+ S L/C v ngy m L/C ghi trn hi phiu khng chnh xc

8. Ngy v a im ht hiu lc ca L/C
- Khi kim tra phi lu : Ngy ht hiu lc ca L/C phi sau ngy m L/C ( date
of issue) v sau ngy giao hng mt khong thi gian hp l, thng c tnh
bng khong thi gian giao hng cng vi thi gian lp v kim tra chng t ca
ngi bn, cng vi thi gian lu gi v chuyn chng t t ngn hng ngi
bn qua ngn hng m L/C.
Hin nay ti cc cng ty xut nhp khu ti Tp H Ch Minh, thi gian lp b
chng t trung bnh khong 3-4 ngy. Thi gian lu gi chng t ti Vietcombank
HCM l 2 ngy.
S ngy chuyn chng t bng DHL t Vit Nam: + i Nht Bn, Triu Tin,
Singapore, Hng Kng mt 3-4 ngy;
+ i Chu u: Italia, c, B... mt 5-7 ngy.
S ngy chuyn chng t bng th m bo t VIt Nam: + n cc nc chu
ht 5-7 ngy; + n cc nc Chu u ht 10-15 ngy
- a im ht hiu lc : thng l ti nc ngi bn
9. Thi hn giao hng ( shipment date or time of delivery)
Thi hn giao hng c th c ghi nh sau:
* Ngy giao hng chm nht hay sm nht: shipment must be effected not later
than ... hoc ghi time of delivery: latest December 31st, 2000 or earliest
September 1st, 2001
* Trong vng : shipment must be effected during....
International Payment Page 11 of 16
* Khong: shipment must be about...'
* Ngy c th: shipment must be effected on....

Trong trng hp ng quy nh thi gian giao hng bng cch no th L/C phi
quy nh bng cch y
cn c vo hp ng ,ngi xut khu kim tra xem ngi nhp khu c m L/C
theo ng nh vy khng?

BI 6
Cong ty A thu tien hang xuat khau la 5.000.000 ola Hong
Kong ong thi phai thanh toan tien hang nhap khau
1.000.000 Yen Nhat, so tien con lai Cong ty chia lam hai
phan nh sau: 30% chuyen thanh CAD, con lai bao nhieu oi
sang EUR.
Hay tnh so CAD va EUR cong ty co c, biet ty gia
c cong bo nh sau:
USD/JPY = 102.20 / 106.40
USD/HKD = 7.7860 / 90
USD/CAD = 1.3296 / 05
USD/EUR = 1.0295 /
07
S HKD dng mua 1000.000 JPY
Bid HKD/JPY = 102.20 / 7.7890 = 13.1210
S HKD: 1.000.000 / 13.1210= 76,213.70 HKD
S HKD cn li: 5.000.000 76,213.70 = 4,923,786.30 HKD
S HKD dng mua CAD = 4,923,786.30 x 30% = 1,477,135.89 HKD
S HKD dng mua EUR = 4,923,786.30 x 70% = 3,446,650.41 HKD
S CAD thu c:
Ask CAD/HKD = 7.7890 / 1.3296 = 5.8582
S CAD = 1,477,135.89 / 5.8582 = 252,148.42 CAD
S EUR thu c
Ask EUR/HKD = 7.7890 /1.0295 = 7.5658
S EUR = 3,446,650.41 / 7.5658 = 455,556.64 EUR
BI 7
Cong ty Tobimex can thanh toan 3.000.000 JPY hang nhap khau
cua Nhat vao 90 ngay sau nhng so d ngoai te cua ho la
HKD. Cong ty quyet nh mua co ky han 3 thang so JPY nay
bang HKD. Cho biet ty gia giao dch hien nay la:
JPY/VND = 118.72 / 122.91
HKD/VND = 1781 / 1831

Lai suat cac ong tien nh sau:

JPY: 7% - 7.5% nam
HKD: 6% - 6.5% nam
Hoi Cong ty phai chi bao nhieu HKD e thanh toan tien hang
nhap khau?
Rs Bid HKD/JPY = 1781/ 122.91 = 14.4903
Rf Bid HKD/JPY = 14.4903 + 14.4903(7%-6.5%)x90/360 = 14.5084
S HKD Cong ty phai chi: 3.000.000/ 14.5084 = 206,776.76 HKD
BI 8
Vao 90 ngay sau Cong ty A thu tien hang xuat khau la
5.000.000 ola Hong Kong ong thi phai thanh toan tien
hang nhap khau 1,000,000.00 Yen Nhat, so tien con lai
Cong ty chia lam hai phan nh sau: 30% chuyen thanh CAD,
con lai bao nhieu oi sang EUR.
Hay tnh so CAD va EUR cong ty co c, biet ty gia
c cong bo nh sau:
USD/JPY = 102.20 / 106.40
USD/HKD = 7.7860 / 90
USD/CAD = 1.3296 / 05
USD/EUR = 0.9298 /
07
Lai suat cac ong tien:
JPY: 7% - 7.5% nam
HKD: 6% - 6.5% nam
CAD: 6% - 7%
EUR: 6.5% - 8%
S HKD dng mua 1000.000 JPY
Rs Bid HKD/JPY = 102.20 / 7.7890 = 13.1211
Rf Bid HKD/JPY = 13.1211 + 13.1211 (7% - 6.5%) x 90/360 = 13.1375
S HKD: 1.000.000 / 13.1375 = 76,117.98 HKD
S HKD cn li: 5.000.000 76,117.98 = 4,923,882.02 HKD
S HKD dng mua CAD = 4,923,882.02 x 30% = 1,477,164.61 HKD
S HKD dng mua EUR = 4,923,882.02 x 70% = 3,446,717.41 HKD
S CAD thu c:
Rs Ask CAD/HKD = 7.7890 / 1.3296 = 5.8582
Rf Ask CAD/HKD = 5.8582 + 5.8582 (6.5% - 6%) x 90/360 = 5.8655
S CAD = 1,477,164.61 / 5.8655= 251,839.50 CAD
S EUR thu c

Rs Ask EUR/HKD = 7.7890 /0.9298 = 8.3771

Rf Ask EUR/HKD = 8.3771 + 8.3771 (6.5% - 6.5%) x 90/360 = 8.3771
S EUR = 3,446,717.41 / 8.3771 = 411,445.18 EUR
BI 9
Ngay 08/03/2004 ty gia tren th trng:
USD / VND = 15 725 / 15 735
USD / HKD = 7.2215 / 7.2220
Theo hp ong mua ban ngoai thng, ngay 08/06/2004 Cong ty
ABC se thu ve 20 000 HKD. e tranh rui ro ve TGH, Cong ty
quyet nh ban co ky han so ngoai te nay cho Ngan hang.
Tnh so VND Cong ty thu ve ngay 08/06/2004, biet lai suat
tren th trng:
VND: 7% - 9%
HKD: 6% - 7%
Rs Bid HKD/VND = 15 725 / 7.2220 = 2,177.37
Rf Bid HKD/VND = 2,177.37 + 2,177.37 (7% - 7%) = 2,177.37
S VND Cty thu c: 20 000 x 2,177.37 = 43,547,400.00 VND
BI 10
Vao 90 ngay sau Cong ty xuat nhap khau ABC se thu ve 100
000 GBP t hang xuat khau nhng ong thi lai phai thanh
toan cac khoan sau:
- Tra tien hang nhap khau:
30 000 CHF
- ng trc tien cho ngi ban:
40 000 USD
- So GBP con lai Cong ty dung 60% e mua USD, con lai
chuyen sang VND.
Cho biet:
Ty gia giao ngay tren th trng:
USD/JPY = 125.86 / 127.12
USD/EUR = 0.9125 / 37
GBP/CHF = 2.6294 / 02
GBP/JPY = 180.12 / 182.26
JPY/VND = 123.57 / 125.34
Lai suat th trng: (%/ nam)
EUR: 5.0 5.5
GBP: 4.5 5.5
JPY: 7.0 8.0
CHF: 6.0 6.5
USD: 5.0 6.0
VND: 7.0 9.0
Hay tnh:
1/ Ty gia ky han 90 ngay cua:
EUR/JPY
GBP/CHF GBP/USD GBP/VND
2/ So USD va VND Cong ty nhan c vao 90 ngay sau.

BI 11
Th trng co cac thong tin sau:
Ty gia giao ngay tren th trng:
USD/JPY = 129,86 / 135,12
USD/EUR = 0,9125 / 37
CHF/JPY = 82,16 / 84,72
GBP/JPY = 180,12 / 182,26
JPY/VND = 123,57 / 125,34
Lai suat th trng: (%/ nam)
EUR: 5,0 5,5
GBP: 4,5 5,5
JPY: 7,0 8,0
CHF: 6,0 6,5
USD: 5,0 6,0
VND: 7,0 9,0
Vao 90 ngay sau Cong ty xuat nhap khau ABC se thu ve
100.000 USD t hang xuat khau nhng ong thi lai phai
thanh toan cac khoan sau:
- Tra tien hang nhap khau:
30.000 CHF
- ng trc tien cho ngi ban:
40.000 EUR
- Cty dung USD mua ky han cac loai ngoai te tren, so
USD con lai Cong ty dung 50% e mua GBP, con lai chuyen
sang VND.
Biet tat ca cac giao dch tren c thc hien vi
Ngan hang A. Hay tnh so GBP va VND cong ty thu ve
khi en han.
S USD dng mua CHF
Rs Bid USD/CHF = 129,86 / 84,72 = 1.5328
Rf Bid USD/CHF = 1.5328 + 1.5328 (6,0% - 6,0%) x 90/360 = 1.5328
S USD = 30000 / 1.5328 = 19,572.03
S USD dng mua EUR
Rs Bid USD/EUR = 0,9125
Rf Bid USD/EUR = 0,9125 + 0,9125 (5,0% - 6,0%) x 90/360 = 0.9102
S USD = 40000 / 0.9102 = 43,946.39
S USD cn li:
100,000 (19,572.03 + 43,946.39) = 36,481.58 USD
S GBP thu c:
Rs Ask GBP/USD = 182,26 / 129,86 = 1.4035
Rf Ask GBP/USD = 1.4035 + 1.4035 (6,0% - 4,5%) x 90/360 = 1.4088
S GBP = 36,481.58 x 50% / 1.4088 = 12,947.75 GBP
S VND thu c:

Rs Bid USD/VND = 129,86 x 123,57 = 16,047

Rf Bid USD/VND = 16,047 + 16,047 (7,0% - 6,0%) x 90/360 = 16,087
S VND = 36,481.58 x 50% x 16,087 = 293,434,923 VND
BI 12
Gi s khng c chi ph giao dch, vi 1 000 000 USD, nh kinh doanh s kinh doanh nh
th no thu c li nhun cao nht qua 3 th trng sau:
Zurich:
USD/CHF = 1.3276/85
New York: GBP/USD = 1.4492/07
London:
GBP/CHF = 1.9194/08
T gi O Bid USD/CHF ti New York v London: = 1.9194/1.4507 = 1.3231< 1.3276
Chn kinh doanh qua Zurich trc
S USD thu c: 1000000 x 1.3276 : 1.9208 x 1.4492 = 1 001 644.06 USD
=> Nu kinh doanh s li 1 644.06 USD
BI 13
Vao thi iem t, tren
sau:
Tai th trng Newyork
Paris
:
Tokyo
Vi 1 000 000 USD, Anh
vu Arbitrage khong?

th trng ty gia c cong bo nh

:
USD/EUR = 0.9298 / 10
EUR/JPY = 140.15 / 142.25
:
USD/JPY = 106.03 / 108.07
(Ch) co nen kinh doanh bang nghiep

T gi O Bid USD/EUR ti Paris v Tokyo

: 106.03/ 142.25 = 0.7454
< 0.9298
Chn kinh doanh qua Newyork trc
S USD thu c: 1000000 x 0.9298 x 140.15 : 108.07 = 1 205 806.14 USD
=> Nu kinh doanh s li 205 806.14 USD
BI 14
C thng tin trn cc th trng ti thi im G nh sau:
Paris:
EUR/JPY = 127.25/96
Zurich:
EUR/CHF = 1.3785/95
Singapore:
EUR/SGD = 1.3992/09
Tokyo:
CHF/JPY = 94.12/27
SGD/JPY = 83.15/26
Vi 1 000 000 EUR trong tay, gi s khng c chi ph giao dch, hy kinh doanh qua 3 th
trng sao cho c li nht.

T gi O Bid EUR/JPY ti Zurich: = 1.3785 x 94.12 = 129.74

T gi O Bid EUR/JPY ti Singapore: = 1.3992 x 83.15 = 116.34
So snh vi Bid EUR/JPY ti Paris: Chn kinh doanh qua Zurich trc
EUR => CHF => JPY => EUR
S EUR thu c: 1 000 000 x 1.3785 x 94.12 : 127.96 = 1 013 945.14 EUR
=> Nu kinh doanh s li 13 945.14 EUR
BI 17
Trch mot so ieu khoan t L/C so ILCO/0088/00
Received from: Standar Chartered Bank
London 1 Aldermanbury
Square London EC2V7SB UK
To: Bank for Foreign Trade of Vietnam
Hochiminh City Branch
Date of Issue: 01 01 23
Date and place of Expiry: 01 03 30
in Vietnam
Aplicant:
NMB-HELLER TRADE FINANCE LTD
24 BENNETTS HILL
BIRMINGHAM
B2 5QP
Benificiary: BAROTEX EXPORT IMPORT COMPANY
15 Ben Chuong Duong
Ho Chi Minh City, Vietnam
Currency code, Amount: USD 15,307.60

Drafts at: at sight

Drawee:
SCB LGB 2L
Standar Chartered Bank
London 1 Aldermanbury
Square London EC2V7SB UK
Partial shipments: not allowed
..
Latest date of shipment: 01 03 15
Documents required:

Hay lap 1 Hoi phieu biet: Ngay giao hang 01/03/01

Hoa n ben ban lap so AA/976 ngay 28/02/01
Ngan hang thong bao la ngan hang phuc vu nha xuat
khau (NH Ngoai thng Viet Nam Chi nhanh TP.HCM)
BI 16

BILL OF EXCHANGE

No: AQ 1365/VN

For: USD 25,008.00

Singapore , 16 Mar 2001
Trch mot so ieu khoan t L/C so 2099LA413
Asia Commercial
Vietnam(Second of the same
At 60From:
days after
sight of this Bank
First HCM
Bill ofCity
Exchange
To: Sumimoto Bank Ltd
tenor and date being unpaid). Pay to the order of Sumimoto Bank Ltd
The Singapore branch, Singapore
Date
of issue: branch,
January Singapore
15, 2001
The Singapore
Date and place of Expiry: May 28, 2001
The sum of .Applicant: Trade Services Import Export Company
469 Le Hong Phong Str., Dist. 10

Hochiminh City, Vietnam

Beneficiary:
Itochu Asia
PteAQ
Ltd
Value received as per our invoice(s)
No:
1365/VN
Dated 15 Mar 2001
9 raffles Quay hex 41-01
Drawn under: Asia Commercial
Bank Singapore048619
HCM City Vietnam
Republic Plaza
Currency code, amount : USD 25,008
Confirmed / Irrevocable
/ Without
recourse
Drafts at: 60
days after
sight L/C No: 2099LA413.
Partial shipments: not allowed
Dated/ Wired: January 15, 2001..
Latest date of shipment: March 30, 2001
lap Hoi Bank
phieu
biet
n ben ban lap so AQ
To: Hay
Asia Commercial
HCM
City hoa
Vietnam
1365/VN, ngay lap hoa n: 15/03/2001, ngay giao hang
16/03/2001. Ngan hang thong bao la ngan hang phuc vu
nha xuat khau.

No: AA/976

BILL OF EXCHANGE

For: USD 15,307.60..

2001.

Ho Chi Minh City, 01 Mar

At xxx.sight of this First Bill of Exchange (Second of the same tenor

and date being unpaid). Pay to the order of Bank for Foreign Trade of
Vietnam
Hochiminh City Branch
The sum of .

Value received as per our invoice(s) No: AA/976 Dated 28 Feb

2001..
Drawn under: Standar Chartered Bank
Confirmed / Irrevocable / Without recourse L/C No: