Cho : Ch mng cc bn n vi bi trnh by ca nhm 5

Thnh vin : 1. Nguyn Cu Trang Anh 2. H Vn nh 3. 4. 5. 6. Phan Th Thy Hng 7. Nguyn Mai Phng 8. L Cng Thnh

8. 9. 10. 11. 12. 13. 14. 15.

Tng Phc Thng Trng Ngc Vn Thu

1. Phng thc chuyn tin

NI DUNG TRNH BY
1. 2. 3. 4. Phng thc chuyn tin Phng thc m ti khon Phng thc nh thu Phng thc tn dng chng t

1. Phng thc chuyn tin

KHI NIM

S tin Thi gian, a im

1. Phng thc chuyn tin

CC BN THAM GIA

NH chuyn tin

Ngi chuyn tin

Ngi th hng

NH tr tin

1. Phng thc chuyn tin

HNH THC CHUYN TIN

1. Phng thc chuyn tin

HNH THC CHUYN TIN

1. Phng thc chuyn tin

TRNH T TIN HNH

CHUYN TIN TR SAU

CHUYN TIN TR TRC

1. Phng thc chuyn tin

CHUYN TIN TR SAU

NH chuyn tin

NH i l

Ngi nhp khu

Ngi xut khu

1. Phng thc chuyn tin

CHUYN TIN TR TRC

NH chuyn tin

NH i l

Ngi nhp khu

Ngi xut khu

1. Phng thc chuyn tin

NHN XT

Th tc n gin, thi gian nhanh chng Ngn hng ch ng vai tr trung gian Ph thuc vo kh nng v thin ch ca mi bn

p dng khi 2 bn mua bn tn nhim ln nhau hay gi tr hp ng khng ln lm

1. Phng thc m ti khon

KHI NIM

m TK ghi n

nh k

1. Phng thc m ti khon

C IM

Khng c s tham gia ca cc NH vi chc nng l ngi m ti khon Bn ngi bn ch m ti khon n bin (khng m ti khon song bin) Nu ngi mua m ti khon ghi, ti khon ch l ti khon theo di (khng c gi tr thanh ton gia hai bn)

1. Phng thc m ti khon

TRNH T TIN HNH

NH bn bn
3

NH bn mua
3

Ngi bn

Ngi mua

1. Phng thc m ti khon

NHN XT

Thc cht l ngi bn cho ngi mua vay s tin tr chm c tnh li
Ri ro i vi ngi bn cao

Ngi mua gii quyt c vn thiu vn tc thi, nhng li phi chu gi cao hn (do tr li)

1. Phng thc m ti khon

TRNG HP P DNG

Nh nhp khu khan him ngoi t Mua bn, i hng hoc hng bn giao lm nhiu ln Cc bn c mi quan h thng xuyn, tin cy ln nhau Gia ni b cc cng ty, gia cng ty m - cng ty con C th p dng trong thanh ton phi mu dch

1. Phng thc nh thu

KHI NIM

y thc

1. Phng thc nh thu

CC BN THAM GIA

Ngi y nhim thu

Ngi tr tin

NH thu h

NH xut trnh

1. Phng thc nh thu

PHN LOI

NH THU TRN

NH THU KM CHNG T

1. Phng thc nh thu

NH THU TRN

Ngi bn y thc cho ngn hng thu h tin ngi mua cn c vo hi phiu do mnh lp ra

Chng t gi thng cho ngi mua (khng qua ngn hng)

1. Phng thc nh thu

NH THU TRN

NH nhn y thc thu

NH i l
5 4

Ngi xut khu

Ngi nhp khu

1. Phng thc nh thu

NH THU TRN

NHN XT Ngn hng ch ng vai tr trung gian trong thanh ton Quyn li bn bn khng c m bo

p dng trong trng hp:

Ngi mua & ngi bn tin cy ln nhau Cng ty m - cng ty con hoc chi nhnh ca nhau Thanh ton cc dch v c lin quan ti xut khu hng ha

1. Phng thc nh thu

NH THU KM CHNG T

Ngi bn y thc cho ngn hng thu h tin ngi mua cn c vo:
hi phiu b chng t gi hng iu kin km theo: Ngi mua tr tin hoc chp nhn tr tin hi phiu th ngn hng mi trao b chng t gi hng cho ngi mua nhn hng

1. Phng thc nh thu

NH THU KM CHNG T

NH nhn y thc thu

2 8

NH i l
6 5 4

Ngi xut khu

Ngi nhp khu

1. Phng thc nh thu

NH THU KM CHNG T

NHN XT Ngn hng hng thay mt ngi bn khng ch chng t An ton i vi ngi xut khu hn nh thu trn

p dng trong trng hp:

Ngi mua & ngi bn quen bit, tin tng ln nhau, c quan h thng xuyn Thanh ton cc ph vn ti, bu in, bo him

1. Phng thc nh thu

CH TH NH THU

L vn bn nh km b chng t nh thu c ngi xut khu lp theo mu ca ngn hng. Vit nam mu ny thng c tiu l Th yu cu gi chng t nh thu hng xut vi cc ni dung:
Tn v a ch, s tham chiu, s in thoi, in tn, swift, telex, fax ca cc bn lin quan. S tin v loi tin nh thu Danh mc chng t, s lng tng loi chng t nh thu.

iu kin nh thu

1. Phng thc tn dng chng t

KHI NIM

Th tn dng (Letter of credit - L/C)

L vn bn php l Theo yu cu ca khch hng: ngn hng ng ra cam kt s tr cho ngi th hng mt s tin nht nh (nu ngi ny xut trnh b chng t ph hp vi quy nh nu ra trong th tn dng)

1. Phng thc tn dng chng t

CC BN THAM GIA

Ngi xin m L/C Ngi hng li

NH pht hnh L/C

NH thng bo L/C
NH xc nhn NH thanh ton NH chit khu NH chp nhn

1. Phng thc tn dng chng t

QUY TRNH THC HIN

3 7 8

NH pht hnh L/C

2 10 11

NH thng bo L/C
9 6 4

5 1

Ngi xut khu

Ngi nhp khu

1. Phng thc tn dng chng t

PHN LOI

o L/C c th hy ngang

o L/C i ng o L/C thanh ton chm o L/C vi iu khon o L/C d phng o L/C c iu khon T/TR o L/C c th chuyn nhng c

o L/C khng th hy ngang

o L/C khng th hy ngang c xc nhn o L/C khng th hy ngang v khng c truy i li tin o L/C tun hon o L/C gip lng

1. Phng thc tn dng chng t

CHC NNG C BN

Chc nng thanh ton

Chc nng m bo

Chc nng tn dng

1. Phng thc tn dng chng t

u im:

NHN XT

m bo quyn li ca nh xut khu v nhp khu Nhc im: Th tc rm r, phc tp, nhiu giai on, ph cao DN s dng cn am hiu k thut ngoi thng & TTQT C th hng km cht lng trong khi chng t hon ton ph hp