MC LC

Li m u.......................................................................................................5 Chng 1: L lun chung v thanh ton quc t v quy trnh thanh ton quc t ti cc ngn hng................................................................................7 I. Thanh ton quc t:.................................................................................7 1. Khi nim thanh ton quc t (TTQT) ...................................................7 2. S lc hot ng TTQT cc ngn hng Vit Nam hin nay:..............8 II. Quy trnh thanh ton quc t ti cc ngn hng:................................9 1. Khi nim quy trnh thanh ton quc t (QTTTQT) :..............................9 2. Quy trnh thanh ton quc t cc ngn hng Vit Nam hin nay:......10 3. Hon thin quy trnh thanh ton quc t l g.......................................10 Chng II. Thc trng quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam:...........................................................................12 I. Khi qut v s giao dch III Ngn hng u t v Pht trin Vit Nam:............................................................................................................12 1. S lc v h thng Ngn hng u t v Pht trin Vit Nam:..........12 2. Tng quan v s giao dch III Ngn hng u t v Pht trin Vit Nam..........................................................................................................16 II. Thc trng quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam...................................................................................18 1. Ni dung quy trnh:...............................................................................18 1.1 Quy trnh pht hnh th tn dng....................................................18 1.2 Quy trnh thanh ton th tn dng tr ngay (IB).............................21 1.3 Quy trnh thanh ton th tn dng tr chm (UB)...........................27 1.4 Quy trnh pht hnh bo lnh nhn hng theo th tn dng (SG)...33 1.5 Quy trnh k hu vn n khi chng t cha v n ngn hng (AE) Quy trnh k hu vn n khi chng t cha v n ngn hng bao gm 8 bc:...................................................................................................36 1.6 Quy trnh nh thu n (IC)..............................................................39 1.7 Quy trnh thng bo th tn dng (IL)............................................44 1.8 Quy trnh nh thu i (OC)...............................................................47 1.9 Quy trnh chit khu b chng t (BP)...........................................51 2. S lc v kt qu kinh doanh t vic p dng cc quy trnh thanh ton quc t ti S Giao Dch 3 Ngn hng u t v Pht trin Vit Nam (BIDV)......................................................................................................58

3. nh gi v quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam...........................................................................................61 3.1 Nhn xt chung...............................................................................61 3.2 Mt s kt qu t c.............................................................62 3.3 Nhng mt hn ch, kh khn.........................................................64 Chng III: Gii php hon thin quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam, chi nhnh S Giao Dch 3 H Ni. .........................................................................................................................66 I. nh hng pht trin hot ng than ton ti Ngn hng u t v Pht trin Vit Nam...................................................................................66 1. nh hng chung ca Ngn hng u t v Pht trin Vit Nam......66 2. Phng hng hot ng kinh doanh ca S Giao Dch 3 Ngn hng u t v Pht trin Vit Nam..................................................................67 II. Gii php hon thin quy trnh thanh ton quc t ti S Giao Dch 3 Ngn hng u t v Pht trin Vit Nam........................................69 1. o to nghip v cho cn b, m rng phm vi hot ng. ..............69 2. Ci tin k thut cng ngh. .................................................................70 3. n gin ho trong vic thc hin nghip v TTQT ng thi phi hp cht ch vi cc nghip v lin quan nhm nng cao hiu qu hot ng TTQT.........................................................................................................70 4. Gi vng mi quan h vi khch hng..................................................70 5. Tng cng cng tc kim tra kim sot...............................................71 Kt lun..........................................................................................................72 Ti liu tham kho........................................................................................74

DANH MC BNG, HNH

Bng 1: Quy trnh pht hnh th tn dng [4]..........................................18 Bng 2: Quy trnh thanh ton th tn dng tr ngay (IB) [4]...................21 Bng 3: Quy trnh thanh ton th tn dng tr chm................................27 Bng 4: Quy trnh pht hnh bo lnh nhn hng theo th tn dng [4] 33 Bng 5: Quy trnh k hu vn n khi chng t cha v n ngn hng (AE).................................................................................................................37 Bng 6: Quy trnh nh thu n....................................................................39 Bng 8: Quy trnh nh thu i (OC).............................................................47 Bng 9: Quy trnh chit khu b chng t (BP).........................................52 Bng 11: Doanh s thanh ton quc t ti S giao dch 3 [5]....................59 Bng 12: Mc ph dch v theo quy nh thng nht ca BIDV: [5].......60 Bng 13: Doanh thu ph t hot ng thanh ton quc t [5]...................60 Bng 14: Doanh s L/C nhp khu ti S giao dch 3 [5]..........................60 Bng 15: Doanh s chuyn tin ti S giao dch 3 [5]................................61 Hnh 1: H thng t chc ca BIDV [4].....................................................16

DANH MC CC T VIT TT

TTQT QTTTQT BIDV NHT&PTVN TTV KSV

Thanh ton quc t Quy trnh thanh ton quc t Ngn hng u t v pht trin Vit Nam Ngn hng u t v pht trin Vit Nam Thanh ton vin Kim sot vin

Li m u
Hn 2 nm k t ngy gia nhp WTO, nn kinh t nc ta chng kin nhng chuyn bin tch cc v mnh m. Hot ng giao thng m rng khin nhu cu lm n vi cc cng ty nc ngoi ca doanh nghip trong nc tng vt, theo cng m ra mt trang mi y xn ln cho ngnh ngn hng. Thanh ton quc t t pht trin nh mt tt yu khch quan p ng nhu cu thng mi quc t ca cc doanh nghip trong nc. Tham gia hot ng thanh ton quc t t nm 1993 m tin thn l Ngn hng Kin thit Vit Nam, Ngn hng u t v Pht trin Vit Nam (BIDV) sau hn 10 nm hot ng t c rt nhiu thnh qu, gp phn a dng ho dch v, nng cao hiu qu kinh doanh ca ngn hng, m rng cc sn phm dch v phc v khch hng. Trong s phi k n vic h thng v chun ha quy trnh nghip v thanh ton quc t. K t khi p dng quy trnh trn c s ng dng cng ngh in t, hiu qu kinh doanh ca BIDV c nng cao r rt: thi gian giao dch gim xung, sai st trong giao dch gim v gim thiu c chi ph qun l hot ng. Tuy nhin, trc nhng bin i khng ngng ca nn kinh t trong nc v th gii, cc b lut c ban hnh v sa i lin tc khin cc cn b ngnh ngn hng ng trc p lc phi c nhng i mi nhm ci tin hiu qu quy trnh thanh ton. ti bo co thc tp Thc trng v gii php hon thin quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam (BIDV), chi nhnh S Giao Dch 3 H Ni s gp phn a thm mt gc nhn chi tit hn v vn ny. Vi di 70 trang, b cc bo co gm ba phn chnh l: Chng I: L lun chung v thanh ton quc t v quy trnh thanh ton quc t ti cc ngn hng.

Chng II: Thc trng quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam. Chng III: Gii php hon thin quy trnh thanh ton quc t ti BIDV, chi nhnh S Giao Dch 3 H Ni. Nhn y, ngi vit xin by t lng bit n chn thnh nht ti Ths. ng Th Lan Giang vin Chinh, Chu nhim B Mn Quan Tri Ngun Nhn Lc, Khoa QTKD nhit tnh gip v hng dn trong qu trnh hon thnh bo co ny. Tuy n lc v c gng, nhng do hn ch v mt thi gian, kinh nghim thc tin cng nh kh nng nghin cu ca ngi vit, nn bi bo co s khng trnh khi nhng khim khuyt v sai st. Do , ngi vit rt mong nhn c cc nh gi ng gp t cc thy c gio v c gi c quan tm. H Ni, ngy 27 thng 4 nm 2009.

Th Xun Khnh Lp Anh2 K44 QTKD, i hc Ngoi Thng

Chng 1: L lun chung v thanh ton quc t v quy trnh thanh ton quc t ti cc ngn hng
I. Thanh ton quc t: 1. Khi nim thanh ton quc t (TTQT) . Theo nh ngha ca trang web bch khoa ton th Wikipedia, thanh ton quc t c ngha l mt trong s cc nghip v ca ngn hng trong vic thanh ton gi tr ca cc l hng gia bn mua v bn bn hng thuc lnh vc ngoi thng[10]. y l cch hiu thng thng nht ca khi nim TTQT, khi quan h giao thng gia bn mua v bn bn c yu t nc ngoi v ngn hng ng vai tr trung gian trong thanh ton gia hai bn. Tuy nhin TTQT khng n thun ch xy ra gia c nhn hay t chc m cn l gia cc quc gia v vng lnh th. V vy mt khi nim mang tnh v m c a ra trong Gio trnh Thanh Ton Quc T ca trng i hc Ngoi Thng nh sau: Vic trao i cc hot ng kinh t v thng mi gia cc quc gia lm pht sinh cc khon thu v chi bng tin ca nc ny i vi mt nc khc trong tng giao dch hoc trong tng nh k chi tr do hai nc quy nh. Trong mi quan h chi tr ny, cc quc gia phi cng nhau quy nh nhng yu t cu thnh c ch thanh ton gia cc quc gia nh quy nh v ch th tham gia thanh ton, la chn tin t, cc cng c v cc phng thc i v hoc chi tr tin t. Tng hp cc yu t cu thnh c ch to thnh thanh ton quc t gia cc quc gia[1, tr.11] Trong khun kh phn tch quy trnh thanh ton quc t ca cc ngn hng, khi nim TTQT hiu theo ngha hp c p dng cho ton bi bo co.

2. S lc hot ng TTQT cc ngn hng Vit Nam hin nay: Tnh n thi im ny, mc d chu nh hng kh nhiu t cuc suy thoi kinh t ton cu cui nm va qua, nhng nc ta vn gi c tng trng v gt hi thnh cng ng k. Tc tng trng kinh t nhanh v n nh trn 7,5% trong nhiu nm cng vi hi nhp ngy cng su hn vo nn kinh t khu vc v th gii a n s pht trin bng n ca h thng ngn hng v th trng vn. H thng ngn hng m rng c v s lng ngn hng ln cc chi nhnh trc thuc chnh l tin cho s pht trin ca hot ng TTQT. Nhn thc c tm quan trng ca hot ng thanh ton trong nn kinh t, chnh ph ban hnh nhiu ngh nh, thng t v hnh lang php l h tr cho cc doanh nghip v ngn hng. Trong s phi k n Ngh nh 161/2006/N-CP quy nh thanh ton bng tin mt, Quyt nh 291/2006/Q-TTg ph duyt n thanh ton khng dng tin mt giai on 2006 2010 v nh hng n nm 2020 [6]. T trng tin mt trong tng phng tin thanh ton cc ngn hng gim t 20% nm 2004 n 18% nm 2005, v n cui 2008 ch cn di 15%. Nhiu phng tin thanh ton v dch v thanh ton hin i ra i trn c s ng dng cng ngh thng tin, p ng kp thi nhu cu pht trin dch v thanh ton. Giao dch thanh ton chuyn dn t phng thc th cng (chng t giy) sang phng thc x l bn t ng s dng chng t in t. T 2002, ng dng cng ngh v u t trang thit b h tn v dch v thanh ton qua ngn hng pht trin mnh. n nay, 25 Ngn hng Thng mi trang b hn 5.00 my ATM v trn 25.700 my qut th, mng li n v chp nhn th ngn hng tng nhanh [7]. Bt u cui 2005, hot ng thanh ton c i mi theo hng t chc thanh ton tp trung mt ti khon cho cc Ngn hng Thng mi ti S giao dch Ngn Hng Nh Nc, u tin l cc chi nhnh Ngn hng Nng Nghip Vit Nam (Agri Bank), tip theo l mt s chi nhnh Ngn

hng u t v Pht trin (BIDV) v gn y l cc chi nhnh Ngn hng Cng thng. Cc ngn hng gp phn quan trng mang li ngun doanh thu to ln t hot ng thanh ton quc t, dn u l Ngn hng TMCP Ngoi thng Vit Nam (Vietcombank),vi doanh s 22,8 t USD, chim 27% th phn c nc. Tip theo l cc ngn hng BIDV, Incombank, Sacombank, ng , VPBank Nhng thnh tu trong hot ng TTQT k trn cho thy bc pht trin vt bc ca cc ngn hng Vit Nam. Tuy nhin khng th ph nhn vn cn rt nhiu vn tn ti, c khch quan ln ch quan ang tc ng tiu cc, lm hn ch s pht trin ca TTQT. Tnh cnh tranh trn th trng dch v vn cn mc th s v di mc tim nng. Mt s ngn hng gn y i tin phong trong pht trin thm loi hnh dch v mi, nh direct banking hoc my ATM di ng ( NH ng ); y c th coi l c gng khng nh ca ngn hng nhm a dng ha dch v, em n cho khch hng nhiu s la chn hn. S bng n cc chi nhnh ngn hng, i cng vi l nhng thay i v qun tr ngn hng theo thng l quc t i hi cc ngn hng phi u t ng b c v c s vt cht, h thng cng ngh thng tin v c ngun nhn lc. Tuy nhin cc chi nhnh ngn hng vng min xa trung ng li cha kh nng p ng c 3 yu t trn. Nht l i ng cn b lm cng tc thanh ton cha c o to chuyn su, cha p ng i hi v tc phong phc v v o c ngh nghip. Nhng nguyn nhn ch quan ny kt hp vi nguyn nhn khch quan cuc khng hong kinh t ton cu cui nm va qua, lm nh hng rt ln n s pht trin ca hot ng TTQT [8]. II. Quy trnh thanh ton quc t ti cc ngn hng: 1. Khi nim quy trnh thanh ton quc t (QTTTQT) : T hai khi nim v thanh ton quc t trn, ta c th hiu QTTTQT chnh l cc chng trnh c quy nh v nghip v thanh ton quc t,

c Tng Gim c ngn hng ban hnh nhm thng nht trnh t v th tc thc hin nghip v thanh ton quc t ca ngn hng , t nng cao cht lng dch v v m bo an ton cho h thng [1, tr.11],[10]. 2. Quy trnh thanh ton quc t cc ngn hng Vit Nam hin nay: Nghip v thanh ton quc t cc ngn hng Vit Nam hin nay c quy nh bi cc quy trnh sau: - Quy trnh pht hnh th tn dng. - Quy trnh thanh ton th tn dng tr ngay (IB) - Quy trnh thanh ton th tn dng tr chm (UB). - Quy trnh pht hnh bo lnh nhn hng theo th tn dng (SG). - Quy trnh k hu vn n khi chng t cha v n ngn hng (AE) - Quy trnh nh thu n (IC). - Quy trnh nh thu i (OC). - Quy trnh chit khu b chng t (BP). - Quy trnh thng bo bo lnh (AG) 3. Hon thin quy trnh thanh ton quc t l g. Trc y khi s pht trin ca Internet v cng ngh cha bng n, hu ht cc giao dch TTQT u c thc hin thng qua cc chng t giy. Lin lc gia khch hng v ngn hng cng ch gii hn trong mt s phng tin nh fax, in thng bo, in thoi c nh. y l mt hn ch rt ln. Cc chng t giy qu nhiu khin ngn hng khng nhng phi vt v phn loi v lu tr, m mi khi c chnh sa cng tn km khng t thi gian v cng sc. Hn na quy trnh TTQT l mt nghip v phc tp i hi cn b thanh ton phi nm vng chuyn mn, do nu c sai st no xy ra, hu qu a n s l giao dch ca khch hng tht bi cn ngn hng mt uy tn. V vy p lc t ra cho cc ngn hng l lm th no chun ha quy trnh, ban hnh chun mc v th t cc cng vic phi lm cho tng

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nghip v thanh ton, phn chia r rng trch nhim ca tng cn b v phi i mi khng ngng, n gin ha cc bc thc hin, nhm gim thi gian thc hin v nng cao cht lng giao dch. Tt c nhng cng vic ny chnh l nhm hon thin QTTTQT [4, tr. 12].

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Chng II. Thc trng quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam:
I. Khi qut v s giao dch III Ngn hng u t v Pht trin Vit Nam: 1. S lc v h thng Ngn hng u t v Pht trin Vit Nam: Tn y : Tn giao dch quc t: Tn gi tt: a ch: in thoi: Fax: Website: Email: Quy m: Nhn lc: Hot ng chnh: Ngn hng u T v Pht Trin Vit Nam (NHT & PTVN) Bank for Investment and Development of Viet Nam BIDV Thp A, to nh VINCOM, 191 B Triu, qun Hai B Trng, H Ni 042200422, 042200484 04 2200399 www.bidv.com.vn. bidv@hn.vnn.vn 237.176 t VN 12.000 ngi kinh doanh tin t, tn dng, dch v ti chnh, u t. Hin BIDV ang c 3 cng ty thnh vin l Cng ty cho thu ti chnh NHT&PTVN (BLC), Cng ty chng khon NHT&PTVN (BSC) v Cng ty bo him NHT&PTVN (BIC). Trong BLC hot ng ch yu trong cc lnh vc huy ng vn, cho thu ti chnh, mua v cho thu li theo hnh thc cho thu ti chnh, cho vay vn lu ng v thc hin bao thanh ton [11]. BSC cung cp cc dch v chng khon, phn tch v t vn u t, t

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vn ti chnh, bo lnh pht hnh, u t ti chnh v cc dch v h tr khc[12]. BIC kinh doanh dch v bo him phi nhn th, ti bo him, u t ti chnh v cc hot ng khc theo quy nh ca php lut[13]. * Lch s thnh lp: NHT&PTVN c thnh lp theo quyt nh 177/TTg ngy 26/04/1957 ca Th tng Chnh ph. Trong qu trnh hot ng v trng thnh, Ngn hng c mang cc tn gi khc nhau ph hp vi tng thi k xy dng v pht trin ca t nc: Ngn hng Kin thit Vit Nam t ngy 26/04/1957 Ngn hng u t v xy dng Vit Nam t ngy 24/06/1981 Ngn hng u t v Pht trin Vit Nam t ngy 14/11/1990 Ngn hng u t v Pht trin Vit Nam l mt trong bn ngn hng thng mi nh nc ln nht Vit Nam c hnh thnh sm nht v lu i nht, l doanh nghip nh nc hng c bit, c t chc hot ng theo m hnh Tng cng ty nh nc. Tnh n ngy 10/10/2008, tng ti sn ca BIDV t 232.099 t VND, tng 13,5% so u nm v tng 15,1% cng k nm trc [13]. H thng t chc c hnh thnh v hon thin dn theo m hnh ca mt tp on trong tng lai. Hin nay, m hnh t chc ca BIDV gm 5 khi ln: Khi ngn hng thng mi quc doanh( bao gm 3 s giao dch v cc chi nhnh trn ton quc); Kh Cng ty; KhI cc n v s nghip; Khi lin doanh; Khi u t. Tng s cn b cng nhn vin ca ton h thng t trn 12000 ngi lm vic chuyn nghip, nghim tc v hiu qu, c bit c kinh nghim trong lnh vc u t pht trin, l th mnh cnh tranh ca BIDV (xem hnh 1). Bn cnh vic hot ng y cc chc nng ca mt ngn hng thng mi c php kinh doanh a nng tng hp v tin t, tn dng, dch v ngn hng v phi ngn hng, lm ngn hng i l, phc v cc d n t cc ngun vn, cc t chc kinh t, ti chnh, tin t trong v ngoi nc,

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BIDV lun khng nh l ngn hng ch lc phc v u t v pht trin, huy ng vn cho vay di hn, trung hn, ngn hn cho cc thnh phn kinh t; l ngn hng c nhiu kinh nghim v u t cc d n trng im. Trong sut qu trnh hnh thnh v pht trin, Ngn hng u t v Pht trin Vit Nam lun lm trn nhim v c ng, Nh nc v nhn dn giao cho. Cng vi h thng ngn hng thng mi nh nc, BIDV lun l cng c sc bn, l lc lng ch lc trong thc thi chnh sch tin t quc gia. Trong hot ng, BIDV lun tun th php lut, thc hin y ngha v vi ngn sch Nh nc, bo ton v pht trin vn. Giai on hin nay, Ngn hng u t v Pht trin Vit Nam xc nh mc tiu hot ng l: Hiu qu, an ton, pht trin bn vng v hi nhp quc t. Trong quan h vi khch hng, Ngn hng u t v Pht trin Vit Nam lun nu cao phng chm hnh ng" Hiu qu kinh doanh ca khch hng l mc tiu hot ng ca BIDV", quan h gia BIDV v bn hng l mi quan h " Hp tc cng pht trin", cng chia s kinh nghim, kh khn, c hi kinh doanh vi bn hng. Chnh v l , BIDV lun lng nghe, tip thu kin t khch hng khng ngng nng cao cht lng phc v, lun tm hiu tho mn nhng nhu cu ngy mt a dng ca khch hng. Vi cam kt" cung cp nhng sn phm, dch v ngn hng c cht lng cao, tin ch tt nht cho khch hng", trong hn 3 nm tr li y, BIDV lun c t chc BVQI v Quacert chng nhn c hi thng qun l cht lng t tiu chun cht lng ISO 9001:2000. L n v hot ng trong lnh vc tn dng, tin t, Ngn hng u t v Pht trin Vit Nam lun duy tr s phi hp, chia x kin thc, kinh nghim vi cc ngn hng, cc t chc tn dng b bn trong nc v quc t theo tinh thn hp tc pht trin cng c li.

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L thnh vin tch cc ca cng ng, Ngn hng u t v Pht trin Vit Nam lun quan tm n cng ng, tham gia tch cc vo cc chng trnh x hi, chng trnh t thin xo i, gim ngho, khc phc thin tai, qu bo tr tr em Vit Nam, chng trnh kin c ho trng hc, qu khuyn hc, qu ng h nn nhn cht c mu da cam Lun coi con ngi l nhn t quyt nh mi thnh cng, Ngn hng u t v Pht trin Vit Nam thc hin phng chm:" mi cn b BIDV phi l mt li th trong cnh tranh" v c nng lc chuyn mn v phm cht o c. V vy, BIDV lun m bo nhng quyn li hp php ca ngi lao ng. T , BIDV cng ang v khng ngng chm lo, ci thin i sng vt cht, tinh thn cho ngi lao ng mi ngi u thy rng:" BIDV chnh l ngi nh chung" ca mnh.

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Hnh 1: H thng t chc ca BIDV [4].

Khi cng ty

Khi ngn hng

Khi s nghip

Khi Lin doanh

Cng ty cho thu ti chnh

Ngn hng u t v Pht trin Vit Nam

Trung tm CNTT

Lao-Viet Bank

Cng ty cho thu ti chnh II

Cc SGD, CN

Trung tm o to

VIDPublic Bank

Cng ty Chng khon S Giao dch III

- SGD I, II - Cc CN

Cng ty BAMC

BIC

2. Tng quan v s giao dch III Ngn hng u t v Pht trin Vit Nam Trn c s thc hin d n" Ti chnh nng thn giai on I" do NHNN lm ch, d n c nh gi l c tc ng tch cc v to ln n iu kin sng khu vc nng thn, ngun vn ca d n c u t ng mc ch, ng i tng v c hiu qu. Ngy 9/9/2002 Hip hi pht trin quc t IDA thuc nhm ngn hng th gii WB ng cp cho Chnh ph Vit Nam 1 khon tn dng s 3648-VN tr gi tng ng 200 triu USD tip thc ti tr cho" d n nng thn giai on II" nhm mc ch h

16

tr cho chnh ph Vit Nam trong n lc y mnh pht trin kinh t v ci thin iu kin sng khu vc nng thn. Sau khi xem xt Chnh ph Vit Nam tin hnh m phn v c hip hi chp nhn v vic la chn Ngn hng u t v Pht trin Vit Nam l ngn hng bn bun thc hin vic qun I v s dng qu pht trin nng thn II, ng thi tip nhn d n I t ngn hng Nh nc. Do vy bn cnh vic thc hin nhim v ca 1 ngn hng bn bun( thc hin vic qun l v cho vay tip ton b s vn vay t khon tn dng 3648-VN ti cc nh chi ti cnh, cc t chc ti chnh Vi m) p ng nhu cu huy ng v cung ng vn cho pht trin kinh t x hi, cung ng cc dch v ngy cng a dng cho khch hng, Hi ng ngn hng T& PT Vit Nam ra quyt nh s39/ Q- HQT ngy 1/7/2002 v vic thnh lp hot ng ca S giao dch III- Ngn hng T&PT Vit Nam vi mc ch, mt mt tch bch hot ng ngn hng bn bun, mt khc l m rng phm vi hot ng, tng quy m ca ton h thng. Nh vy S giao dch III l 1 n v trc thuc ca h thng ngn hng T&PT Vit Nam v l n v hch ton ph thuc trong h thng, c bng cn i k ton, c con du ring. S giao dch III c quyn c lp hn cc chi nhnh khc, c quyt nh trc tip vi cc i tc, trc tip son tho t trnh quan trng B hoc cc t chc quc t. Bn cnh tun th 2 B lut: lut cc t chc tn dng v lut t chc doanh nghip, S giao dch III phi chu s chi phi ca Hi s chnh, m hnh do Hi s chnh thng qua, v ring m hnh ca d n" Ti chnh nng thn" do ngn hng th gii thng qua. Hot ng chung -Trc tip lm nhim v l ch d n( Ngn hng bn bun), qun l v cho vay tip ton b s vn vay t cc t chc, i tc quc t tI cc PFIs/ MFIs

17

+ Tip nhn qun l v cho vay theo qui nh RFPI, trc tip lm ch d n TCNT2 + Qun l v l ngI cho vay li ngun vn ti tr t cc t chc quc t ti cc PFIs/ MFIs - Thc hin dch v NHL, qun l vn u t cho cc d n ODA v d n u thc. - Thc hin cc hot ng ngun vn, thanh ton quc t v trong nc + Huy ng u t tin gI c hiu qu + Kinh doanh ngoi t + Th tn dng + Chuyn tin thanh ton trong v ngoi nc II. Thc trng quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam. 1. Ni dung quy trnh: 1.1 Quy trnh pht hnh th tn dng. Khi pht hnh quy trnh th tn dng, cn b TTV v KSV phi thc hin theo 10 bc di y (xem bng 1). Bng 1: Quy trnh pht hnh th tn dng [4] Bc/ Thao tc Cn b thc hin 1/ TTV 1. Tip nhn h s t Phng Tn dng. - Kim m s lng h s/chng t (BM-01) - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo h thng TF-SIBS 2/ TTV 1. Kim tra h s ngh thc hin giao dch (HD-01-01). Nu h s khng y hoc c nhng im khng r rng... th thng bo ti khch hng, Phng Tn dng chnh sa/b sung; Kim tra hn mc pht hnh th tn dng ca khch hng: - Nu hn mc c thit lp: chuyn bc 2.2

18

Bc/ Thao tc Cn b thc hin - Nu hn mc cha c thit lp hoc cn thiu: thng bo Phng Tn dng thit lp hoc b sung hn mc. 2. S dng chng trnh TF-SIBS nhp d liu pht hnh th tn dng. y giao dch vo hng i duyt v chuyn h s sang KSV khi hon tt vic nhp d liu; i vi cc LC c iu khon c bit, cn lu ni dung ca in LC khi pht hnh (HD-01-02) 3/ KSV 4a/ KSV 1. Kim tra h s v d liu m TTV nhp. 2. Kim tra ni dung cc chng t c to ra 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: + in m LC (3 bn): 1 bn gc, 1 bn dnh cho khch hng, 1 bn dnh cho Phng Tn dng + giy bo n (3 bn): 1 bn gc np k ton G/L, 1 bn dnh cho khch hng v 1 bn lu 3. Chuyn h s c ph duyt ti TTV.

4b/ KSV

1. T chi giao dch nu khng chp nhn h s v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. 2. Chuyn chng t: cho khch hng: 1 bn dnh cho khch hng th tn dng c ng du Issued v 1 giy bo n b phn k ton: 1 bn gc giy bo n. Lu h s pht hnh th tn dng gm: H s ngh pht hnh th tn dng ca khch hng. Giy ph duyt ngun thanh ton m th tn dng. (BM-03) Giy bo n, th tn dng.

5/ TTV

19

Bc/ Thao tc Cn b thc hin Cc giy t c lin quan Ghi ch: Trng hp pht hnh th tn dng bng th: Trnh Gim c k, ng du v gi th tn dng ti ngn hng thng bo. 6/ TTV 1. Theo di tnh trng ca th tn dng pht hnh. 2. Lu in/th xc nhn (acknowledge) ca ngn hng thng bo (nu c) 1. S dng chng trnh TF-SIBS nhp d liu hu th tn dng trong cc trng hp sau: - Th tn dng cn s d nhng ht hn (trn 1 thng) theo yu cu ca ngi ngh m L/C - Th tn dng cn hiu lc nhng c cc bn lin quan (Ngi ngh m L/C, Ngi th hng L/C, ngn hng thng bo, xc nhn) ng hu. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu. * Th tn dng s c t ng ng bi chng trnh TF-SIBS trong cc trng hp sau: - Th tn dng ht s d - Sau 3 thng k t ngy ht hiu lc. 1. Kim tra li h s v d liu m TTV nhp.

7/ TTV

8/ KSV 9a/ KSV

1. Ph duyt giao dch nu chp nhn vic hu th tn dng v d liu m TTV nhp. 2. In chng t: - thng bo hu th tn dng: 1 bn gc, 1 bn lu - Giy bo n (ph hu L/C - nu c): 1 bn gc, 1 bn lu, 1 bn dnh cho khch hng. 3. Chuyn h s c ph duyt ti TTV. Nh bc 4b. 1. Chuyn chng t: - Ti khch hng: 1 bn gc thng bo hu L/C v giy bo n (nu c) - Ti k ton: 1 bn gc giy bo n (nu c)

9b/ KSV 10/ TTV

20

Bc/ Thao tc Cn b thc hin 2. Lu h s th tn dng hu v cc giy t lin quan. Nhn xt: Vic kim tra c thc hin nhiu ln qua tng bc bi KSV gip hn ch ti a sai st trong qu trnh pht hnh th tn dng. 1.2 Quy trnh thanh ton th tn dng tr ngay (IB) Quy trnh thanh ton th tn dng tr ngay gm 17 bc nh sau: Bng 2: Quy trnh thanh ton th tn dng tr ngay (IB) [4] Bc / Cn b thc Thao tc hin 1/ TTV 1. Tip nhn chng t t ngn hng gi chng t : - Kim tra s lng chng t vi lit k chng t trn giy i tin (coversheet) ca ngn hng gi chng t, nu c sai lch phi thng bo ti ngn hng gi ngay. - ng du NHN v ghi ngy nhn. - ng k giao dch vo chng trnh TFSIBS * Lu : trng hp LC cho php i tin bng in hoc ch ra ngn hng hon tr thc hin theo hng dn.(HD-01-04) 2/ TTV 1. Kim tra chng t vi LC pht hnh xc nh tnh trng b chng t (HD-01-03). 1. Nu chng t ph hp: S dng chng trnh TF-SIBS lp thng bo b chng t v gi khch hng. * Trng hp khch hng trc y c k pht hnh bo lnh nhn hng/k hu vn n theo b chng t ny th thc hin bc 9a. 1. Nu chng t c bt ng: S dng chng trnh TFSIBS lp in t chi b chng t gi ngn hng gi chng t v lp thng

3a/ TTV

3b/ TTV

21

Bc / Cn b thc Thao tc hin bo b chng t c bt ng gi khch hng . * Trng hp bt ng ca chng t theo LC c m bng vn vay ca ngn hng, c lin quan n s tin, bn cht l hng, Phng TTQT thng bo ni dung bt ng cho Phng Tn dng (BM -11) 4/ KSV 5a/ KSV 1. Kim tra li kt qu kim tra chng t ca TTV 2. Kim tra h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn kt qu kim tra chng t v d liu m TTV nhp. 2. In chng t: - trng hp b chng t ph hp: thng bo b chng t v: (3 bn) 1 bn chuyn khch hng, 1 bn gc, 1 bn lu. - trng hp chng t c bt ng + thng bo bt ng (2 bn) 1 bn gc, 1 bn lu. + in thng bo bt ng b chng t: 1 bn gc. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn kt qu kim tra chng t v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Fax bn thng bo b chng t v hoc thng bo b chng t c bt ng ti khch hng (chuyn tr khch hng bn gc khi khch hng ti ngn hng giao dch). 2. Chuyn Phng Tn dng: 1 bn thng bo b chng t v ( pht tin vay nu s dng vn vay) 3. Theo di giao dch thc hin. 1. Nhc nh khch hng chun b tin thanh ton b chng t ph hp hoc c kin v b chng t c bt ng.

5b/ KSV

6/ TTV

7/ TTV

22

Bc / Cn b thc Thao tc hin 8/ TTV 1. Phn loi phn hi t khch hng. - i vi b chng t ph hp: + Nu khch hng chun b tin thanh ton th chuyn bc 9a. + Nu khch hng khng chun b tin thanh ton th thng bo Phng Tn dng v chuyn bc 9c. (BM-07) - i vi b chng t c bt ng: + Nu khch hng chp nhn bt ng v b phn Tn dng khng phn i ng thi chun b tin thanh ton th chuyn bc 9a. + Nu khch hng khng chp nhn bt ng hoc khch hng chp nhn nhng b phn Tn dng khng ng th chuyn bc 9b. 9a/ TTV 1. K hu vn n (trong trng hp vn n lp theo lnh ca ngn hng) theo hng dn s HD-01-05 nu trc y ngn hng cha k hu vn n. 2. S dng chng trnh TF-SIBS lp in thanh ton b chng t (s dng chc nng Immediate settlement). y giao dch vo hng i duyt khi hon tt vic nhp d liu. 3. Chuyn chng t ti KSV. 1. S dng chng trnh TF-SIBS lp in thng bo cho ngn hng gi chng t v vic khch hng t chi b chng t c bt ng, yu cu ch dn x l b chng t. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. Trn c s thng bo cho vay bt buc ca phng Tn dng, TTV s dng chng trnh TFSIBS lp in thanh ton b chng t (s dng chc nng Pending settlement) (BM-08). y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV.

9b/ TTV

9c/ TTV

23

Bc / Cn b thc Thao tc hin 10/ KSV 1. Kim tra h s v d liu do TTV nhp. 11a/ KSV 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - Trng hp khch hng c tin thanh ton b chng t: + 3 bn Giy bo n: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu. + 2 bn in thanh ton : 1 bn gc, 1 bn lu + 1 bn gc in thng bo thanh ton (nu c). - Trng hp khch hng khng c tin thanh ton: + 4 bn Giy bo n kim thng bo ngn hng cho vay bt buc: 1 bn gc, 2 bn lu v 1 bn dnh cho khch hng; + in thanh ton: 1 bn gc, 1 bn lu - Trng hp khch hng t chi bt ng: + 1 bn lu in thng bo khch hng t chi bt ng. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Phn loi giao dch cn hon tt. - Giao dch thc hin ti bc 9a th chuyn bc 13a. - Giao dch thc hin ti bc 9b th chuyn bc 13b. - Giao dch thc hin ti bc 9c th chuyn bc 13c. 1. Ph t chng t mi loi 1 bn (nu ngn hng gi chng t khng gi bn sao b chng t dnh cho ngn hng pht hnh). 2. Tr chng t cho khch hng, bao gm c vn n c k hu (nu c), (yu cu khch

11b/ KSV

12/ TTV

13a/ TTV

24

Bc / Cn b thc Thao tc hin hng k nhn chng t trc khi trao chng t). 3. Chuyn chng t: - Cho khch hng: 1 bn giy bo n; - Ti b phn k ton: 1 bn gc giy bo n, 1 bn gc in thanh ton. 4. Lu h s thanh ton b chng t gm: - B chng t ph t ni trn (gm c coversheet). - Giy bo n, in thanh ton. - Cc giy t lin quan khc (nu c) 13b/ TTV 1. Theo di phn hi ca ngn hng gi chng t. 2. X l phn hi ca ngn hng gi chng t: - Nu ngn hng gi b chng t c thay i ch dn thanh ton nh v gi c, thi hn... th thng bo cho khch hng bit v ch ch dn ca khch hng, chuyn thc hin bc 8. - Nu ngn hng gi chng t gi chng t thay th/b sung th thc hin bc 2. - Nu ngn hng gi chng t yu cu gi li chng t: lp in i ph gi chng t v ph x l giao dch. Sau khi nhn c ph th lp coversheet gi li b chng t gc theo ch dn (lu b chng t ph t + phiu gi chng t). - Nu sau mt thi gian nht nh khng nhn c phn hi ca ngn hng gi b chng t th lm in thng bo ht trch nhim vi b chng t, lu v ng h s theo quy nh. 3. Lu h s thc hin giao dch gm: - B chng t ph t ni trn. - Giy t chi thanh ton ca khch hng. - in yu cu gi tr chng t (nu c).

25

Bc / Cn b thc Thao tc hin 13c/ TTV 1. Chuyn chng t - cho khch hng: 1 bn giy bo n kim thng bo cho vay bt buc - Cho phng Tn dng: 1 bn giy bo n kim thng bo cho vay bt buc - Phng K ton: 1 bn gc thng bo cho vay bt buc + 1 bn gc in thanh ton 2. Theo di giao dch. * Ghi ch: Cn b Phng Tn dng c trch nhim nhc nh v thc hin cc x l thch hp i vi khch hng thu hi khon cho vay bt buc thc hin. 14/ TTV 1. K hu vn n (trong trng hp vn n lp theo lnh ca ngn hng) theo hng dn s HD-01-05 nu trc y ngn hng cha k hu vn n. 2. S dng chng trnh TF-SIBS thu n gc v li cho vay bt buc thc hin trc y. 3. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 15/ KSV 16a/ KSV 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - giy bo n (1 bn gc, 1 bn dnh cho khch hng v 2 bn lu) 3. Chuyn chng t ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) sau khi y giao dch vo hng i duyt v chuyn h s li cho TTV b sung/chnh sa. 1. Ph t chng t mi loi 1 bn (nu ngn hng gi chng t khng gi bn sao b chng t dnh cho ngn hng pht hnh).

16b/ KSV

17/ TTV

26

Bc / Cn b thc Thao tc hin 2. Tr b chng t v 1 bn giy bo n cho khch hng (yu cu khch hng k nhn chng t khi trao chng t) . 3. Chuyn 1 bn gc giy bo n ti b phn k ton. 4. Thng bo cho Phng Tn dng bit phng TTQT thu n khon cho vay bt buc (gi km 1 bn lu giy bo n). 5. Lu h s thanh ton b chng t gm: - B chng t ph t hoc bn sao dnh cho ngn hng pht hnh (gm c coversheet). - Cc chng t lin quan n cho vay v thu n vay bt buc. - Giy bo n v cc chng t khc (nu c).

1.3 Quy trnh thanh ton th tn dng tr chm (UB) Bao gm 15 bc chia theo tng trng hp c th xy ra trong khi thc hin quy trnh (xem bng 3) Bng 3: Quy trnh thanh ton th tn dng tr chm Bc/ Thao tc Cn b thc hin 1. Tip nhn chng t t ngn hng gi chng t : 1/ TTV - Kim tra s lng chng t vi lit k chng t trn giy i tin (coversheet) ca ngn hng gi chng t nu c sai lch phi thng bo ti ngn hng gi ngay. - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS

27

Bc/ Thao tc Cn b thc hin 2/ TTV 1. Kim tra chng t vi LC pht hnh (HD-01-03) 3a/ TTV
1. K hu vn n (trong trng hp vn n lp theo lnh

ca ngn hng) theo hng dn s HD-01-05 nu trc y ngn hng cha k hu vn n. 2. Nu chng t ph hp: S dng chng trnh TF-SIBS lp thng bo b chng t v, thng bo ngy n hn gi khch hng, thng bo chp nhn chng t gi ngn hng gi chng t . 3b/ TTV 1. Nu chng t c bt ng: S dng chng trnh TF-SIBS lp in t chi b chng t gi ngn hng gi chng t v lp thng bo b chng t c bt ng gi khch hng . * Trng hp bt ng ca chng t theo LC c m bng vn vay ca ngn hng, c lin quan n s tin, bn cht l hng, Phng TTQT thng bo ni dung bt ng cho Phng Tn dng (BM -11) 1. Kim tra li kt qu kim tra chng t ca TTV 2. Kim tra h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn kt qu kim tra chng t v d liu m TTV nhp. 2. In chng t: - Trng hp b chng t khng c bt ng: + thng bo b chng t v v thng bo ngy n hn: 1 bn gc, 1 bn lu ; + in chp nhn b chng t: 1 bn gc - Trng hp b chng t c bt ng: + thng bo b chng t c bt ng: 1 bn gc, 1 bn lu ; + in t chi b chng t : 1 bn gc. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn kt qu kim tra chng t v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Phn loi giao dch cn hon tt.

4/ KSV 5a/ KSV

5b/ KSV

6/ TTV

28

Bc/ Thao tc Cn b thc hin - Giao dch thc hin ti bc 3a th chuyn bc 7a. - Giao dch thc hin ti bc 3b th chuyn bc 7b1 7a/ TTV 1. Fax giy thng bo b chng t v cho khch hng (gi bn gc khi khch hng ti ngn hng giao dch). Yu cu khch hng k chp nhn k hn thanh ton. 2. Ph t chng t mi loi mt bn (nu khng c bn sao b chng t dnh cho ngn hng pht hnh) 3. Khi khch hng k chp nhn k hn thanh ton th tr chng t cho khch hng bao gm c vn n c k hu (nu c) (yu cu khch hng k nhn chng t trc khi trao chng t). 4. Lu h s b chng t chp nhn gm: - B chng t ph t ni trn (gm c coversheet). - Cc thng bo / in to. 5. Theo di giao dch thc hin. 1. Fax giy thng bo b chng t c bt ng cho khch hng (gi bn gc khi khch hng ti ngn hng giao dch). 2. Theo di giao dch thc hin. 1. Phn loi phn hi ca khch hng: - Nu khch hng chp nhn bt ng v b phn Tn dng khng phn i th quay li bc 3a - Nu khch hng khng chp nhn b chng t c bt ng hoc khch hng chp nhn nhng b phn Tn dng khng ng th thc hin bc 7b-3 1. S dng chng trnh TF-SIBS lp in thng bo cho NH gi chng t v vic khch hng t chi b chng t c bt ng v yu cu ch dn x l b chng t. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu 3. Chuyn chng t ti KSV. 1. Kim tra h s v d liu do TTV nhp.

7b-1/ TTV 7b-2/ TTV

7b-3/ TTV

7b-4/ KSV

29

Bc/ Thao tc Cn b thc hin 7b-5a/ 1. Ph duyt giao dch nu chp nhn h s v d liu m KSV TTV nhp. 2. In chng t: 1 bn gc in thng bo khch hng t chi bt ng. 3. Chuyn h s c ph duyt ti TTV. 7b-5b/ KSV 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa 1. Theo di phn hi ca ngn hng gi chng t. 1. X l phn hi ca ngn hng gi chng t: - Nu ngn hng gi b chng t c thay i ch dn thanh ton nh v gi c, thi hn... th thng bo cho khch hng bit v tip tc thc hin bc 7b-2. - Nu ngn hng gi chng t gi chng t thay th/b sung th thc hin bc 2. - Nu ngn hng gi chng t yu cu gi li chng t th lp in i ph gi chng t v ph x l giao dch. Sau khi nhn c ph th lp coversheet gi li b chng t gc theo ch dn (lu b chng t ph t + coversheet) - Nu sau mt thi gian nht nh khng nhn c phn hi ca ngn hng gi chng t th lm in thng bo ht trch nhim vi b chng t, lu v ng h s theo quy nh. 2. Lu h s thc hin giao dch gm: - B chng t ph t ni trn. - Giy t chi thanh ton ca khch hng. - in yu cu gi tr chng t (nu c). 1. Phn loi phn hi t khch hng khi n hn: - Nu khch hng chun b tin thanh ton th chuyn bc 9a.

7b-6/ TTV 7b-7/ TTV

8/ TTV

30

Bc/ Thao tc Cn b thc hin

-

Nu khch hng khng chun b tin thanh ton th thng bo Phng Tn dng v chuyn bc 9b (BM-07).

9a/ TTV

1. S dng chng trnh TF-SIBS lp in thanh ton b chng t khi khch hng c tin. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. Trn c s thng bo cho vay bt buc ca phng Tn dng, TTV s dng chng trnh TF-SIBS lp in thanh ton b chng t khi khch hng khng c tin (BM-08). y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - Trng hp khch hng c tin thanh ton b chng t: + 3 bn Giy bo n: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu + 2 bn in thanh ton : 1 bn gc, 1 bn lu + in thng bo thanh ton (nu c): 1 bn gc. - Trng hp khch hng khng c tin thanh ton: + 4 bn Giy bo n kim thng bo ngn hng cho vay bt buc: 1 bn gc, 2 bn lu v 1 bn dnh cho khch hng ; + in thanh ton : 1 bn gc, 1 bn lu + in thng bo thanh ton (nu c): 1 bn gc 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa 1. Phn loi giao dch cn hon tt.

9b/ TTV

10/ KSV 11a/ KSV

11b/ KSV

12/ TTV

31

Bc/ Thao tc Cn b thc hin - Giao dch thc hin ti bc 9a th chuyn bc 13a. - Giao dch thc hin ti bc 9b th chuyn bc 13b. 13a/ TTV 1. Chuyn chng t: - Ti khch hng: 1 bn giy bo n dnh cho khch hng - Ti b phn k ton: 1 bn gc giy bo n v 1 bn gc in thanh ton 2. Lu h s thanh ton b chng t gm: - Giy bo n, in thanh ton v cc giy t, in khc (nu c). 13b/ TTV 1. Chuyn chng t: - cho khch hng: 1 bn giy bo n kim thng bo cho vay bt buc - Cho phng Tn dng: 1 bn giy bo n kim thng bo cho vay bt buc - Phng K ton: 1 bn gc thng bo cho vay bt buc + 1 bn gc in thanh ton 2. Theo di giao dch. * Ghi ch: Cn b Phng Tn dng c trch nhim nhc nh v thc hin cc x l thch hp i vi khch hng thu hi khon cho vay bt buc thc hin. 1. S dng chng trnh TF-SIBS thu n gc v li cho vay bt buc thc hin trc y. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: giy bo n: 1 bn gc, 1 bn dnh cho khch hng v 2 bn lu. 3. Chuyn chng t ti TTV.

14/ TTV

15/ KSV 16a/ KSV

32

Bc/ Thao tc Cn b thc hin 16b/ 1. T chi giao dch nu khng chp nhn d liu m TTV TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 17/ TTV 1. Chuyn chng t: - 1 bn giy bo n cho khch hng. - 1 bn gc giy bo n ti khch hng v b phn k ton. 2. Thng bo Phng Tn dng bit phng TTQT thu n khon cho vay bt buc (gi km 1 bn lu giy bo n). 3. Lu h s thanh ton b chng t gm: - Cc chng t lin quan n cho vay v thu n vay bt buc. - Giy bo n v cc giy t khc (nu c).

1.4 Quy trnh pht hnh bo lnh nhn hng theo th tn dng (SG) thc hin nghip v pht hnh bo lnh nhn hng theo th tn dng cn tri qua 11 bc di y (xem bng 4) Bng 4: Quy trnh pht hnh bo lnh nhn hng theo th tn dng [4] Bc/ Thao tc Cn b thc hin 1/ TTV 1. Tip nhn h s t khch hng. - Kim m s lng h s/chng t. - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS 2/ TTV 1. Kim tra h s ngh thc hin giao dch xem y cha. H s ngh pht hnh bo lnh nhn hng gm: - n xin pht hnh bo lnh nhn hng (BM-04). - Giy bo nhn hng. - Bn sao chng t vn ti.

33

Bc/ Thao tc Cn b thc hin - Bn sao ho n. 2. Kim tra ni dung ca h s: - Kim tra ch k, du trn n ngh pht hnh bo lnh nhn hng ca khch hng m bo rng ch k, du trn h s ngh ph hp vi mu ch k, du ng k ti ngn hng. - Kim tra ni dung n xin pht hnh bo lnh nhn hng vi chng t vn ti, ho n v th tn dng (nu l hng nhp khu thc hin theo th tn dng pht hnh). * Nu h s khng y hoc c nhng im khng r rng th thng bo ti khch hng chnh sa/b sung. 3. Lp phiu trnh pht hnh bo lnh nhn hng theo mu BM10 4. Kim tra ngun thanh ton: Kim tra m bo rng giao dch c khch hng chun b tin thanh ton hoc c Phng Tn dng m bo ngun thanh ton. Nu giao dch cha c m bo ngun thanh ton th chuyn h s sang Phng Tn dng xc nhn. 5. S dng chng trnh TF-SIBS nhp d liu pht hnh bo lnh nhn hng (thu k qu nu cn). y giao dch vo hng i duyt v chuyn h s sang KSV khi hon tt vic nhp d liu. 3/ KSV 1. Kim tra h s xin pht hnh bo lnh nhn hng ca khch hng m bo hp l, hp php. 2. Kim tra li d liu m TTV nhp. 1. Nu h s y v hp l, KSV k trn phiu trnh pht hnh bo lnh nhn hng. Ph duyt giao dch trn my nu chp nhn d liu m TTV nhp. 2. In chng t: + bo lnh nhn hng: 1 bn gc; + Bo co pht hnh bo lnh nhn hng: 1 bn lu. + Giy bo n: 1 bn gc, mt bn dnh cho khch hng v 1 bn lu.

4a/ KSV

34

Bc/ Thao tc Cn b thc hin 3. Chuyn h s c ph duyt ti TTV. 4b/ KSV 1. T chi giao dch nu khng chp nhn h s v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa.
1. Trnh Gim c chi nhnh hoc ngi c u quyn k

5/ TTV

pht hnh th bo lnh nhn hng. ng du th bo lnh pht hnh, chp (copy) th bo lnh. 2. Chuyn chng t: - Ti khch hng: 1 bn gc th bo lnh, 1 bn dnh cho khch hng giy bo n (yu cu khch hng k nhn khi giao th bo lnh gc). - Ti B phn k ton: 1 bn gc giy bo n. 3. Lu h s pht hnh bo lnh nhn hng gm: - Cc giy t trong h s xin pht hnh bo lnh nhn hng ca khch hng. - Phiu trnh pht hnh bo lnh nhn hng. - Bo co pht hnh bo lnh nhn hng. - Giy bo n, th pht hnh bo lnh nhn hng (bn pht). - Cc chng t khc (nu c). 6/ TTV 7/ TTV 1. Theo di tnh trng th bo lnh pht hnh. 1. Trng hp hng tu yu cu phi i vn n ly bo lnh pht hnh: - Khi b chng t gc v n ngn hng, thc hin thanh ton/chp nhn thanh ton (theo quy trnh thanh ton th tn dng tr ngay/tr chm) v k hu vn n i ly bo lnh pht hnh (theo hng dn s HD-01-05). - Chuyn vn n gc k hu ti hng tu trc tip hoc thng qua khch hng i li bo lnh pht hnh. - Theo di, nhc nh khch hng vic i li bo lnh pht hnh. * Ghi ch: Nhng th bo lnh nhn hng quy nh bo lnh ch ht hiu lc khi hng tu nhn c vn n gc th th tc i

35

Bc/ Thao tc Cn b thc hin li th bo lnh pht hnh l bt buc. 8/ TTV 1. Khi i c bo lnh nhn hng t hng tu hoc khi bo lnh ht hiu lc, s dng chng trnh TF-SIBS hu bo lnh pht hnh. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 1. Kim tra li h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn vic hu bo lnh v d liu m TTV nhp. 2. In chng t: thng bo hu bo lnh: 1 bn gc, 1 bn lu . 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn vic hu bo lnh v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa.
1. ng du HU ln th bo lnh (trng hp thu hi

9/ KSV 10a/ KSV

10b/ KSV

11/ TTV

c bo lnh gc). 2. Chuyn ti khch hng: 1 bn gc thng bo hu bo lnh. 3. Lu h s bo lnh hu v cc giy t lin quan. 1.5 Quy trnh k hu vn n khi chng t cha v n ngn hng (AE) Quy trnh k hu vn n khi chng t cha v n ngn hng bao gm 8 bc:

36

Bng 5: Quy trnh k hu vn n khi chng t cha v n ngn hng (AE) Bc/ Thao tc Cn b thc hin 1/ TTV 1. Tip nhn ngh k hu vn n khi chng t cha v n ngn hng t khch hng. - Kim m s lng h s/chng t. - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo h thng TF-SIBS 2/ TTV 1. Kim tra h s ngh thc hin giao dch. H s ngh k hu vn n khi chng t cha v n ngn hng gm: - n ngh k hu vn n (BM-04). - Giy bo nhn hng ca hng tu - Vn n bn chnh lp theo lnh ca ngn hng - Bn sao ho n thng mi 2. Kim tra ni dung ca h s: - Kim tra ch k, du trn n ngh k hu vn n ca khch hng m bo rng ch k, du trn h s ngh ph hp vi mu ch k, du ng k ti ngn hng. - Kim tra ni dung n xin k hu vn n vi chng t vn ti, ho n v th tn dng (nu l hng nhp khu thc hin theo th tn dng pht hnh). * Nu h s khng y hoc c nhng im khng r rng th thng bo ti khch hng chnh sa/b sung. 3. Lp phiu trnh k hu vn n theo mu BM-10 4. Kim tra ngun thanh ton: Kim tra m bo rng giao dch c khch hng chun b tin thanh ton hoc c Phng Tn dng m bo ngun thanh ton. Nu giao dch cha c ph duyt ngun thanh ton th chuyn h s sang Phng Tn dng ph duyt. 5. S dng chng trnh TF-SIBS nhp d liu k hu vn n (thu k qu nu cn).

37

Bc/ Thao tc Cn b thc hin y giao dch vo hng i duyt v chuyn h s sang KSV khi hon tt vic nhp d liu. 3/ KSV 1. Kim tra h s xin k hu vn n ca khch hng m bo hp l, hp php. 2. Kim tra li d liu m TTV nhp. 1. Nu h s y v hp l, KSV k trn phiu trnh k hu vn n, ng du (ghi) chuyn nhng hng ho cho khch hng, ghi ngy thc hin v k vo mt sau ca vn n. 2. Ph duyt giao dch trn my nu chp d liu m TTV nhp. 3. In chng t: - Giy bo n (nu c) (3 bn): 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu. - Bo co k hu vn n: 1 bn lu. 4. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn h s v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Trnh Gim c chi nhnh hoc ngi c u quyn k hu vn n. ng du vo phn k hu, chp (copy) vn n k hu (mt trc v mt c k hu). 2. Chuyn chng t: - Cho khch hng: 1 bn gc vn n k hu (yu cu khch hng k nhn vo bn ph t) v giy bo n (nu c). - Cho b phn k ton: 1 bn gc giy bo n (nu c). 3. Lu h s: - H s ngh k hu vn n ca khch hng - Phiu trnh k hu vn n. - Bn sao vn n k hu (mt trc v mt sau) - Giy bo n (nu c) - Cc chng t khc.

4a/ KSV

4b/ KSV

5/ TTV

38

Bc/ Thao tc Cn b thc hin 6/ TTV 1. Theo di tnh trng giao dch k hu vn n. 7/ TTV 1. Giao dch k hu vn n s c t ng ng khi tin hnh thanh ton b chng t i tin lin quan ti vn n k hu. 8/ TTV 1. ng du NG ln bn ph t vn n k hu. 2. Lu h s k hu vn n v cc giy t lin quan. 1.6 Quy trnh nh thu n (IC) Quy trnh nh thu n gm 17 bc nh sau( xem bng 6) Bng 6: Quy trnh nh thu n Bc / Thao tc Cn b thc hin 1/ TTV 1. Tip nhn chng t t ngn hng nh thu/khch hng: - Kim tra s lng chng t vi lit k chng t trn giy ch dn nh thu (coversheet). Nu c sai lch phi thng bo ngay ti ngn hng nh thu. - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS. 2/ TTV 1. Kim tra ch dn nh thu khng nh rng nh thu tun th theo URC522 do Phng thng mi quc t ban hnh. Nu ch dn khng r rng th lin h vi ngn hng nh thu/khch hng lm r. 2. S dng chng trnh TF-SIBS lp thng bo nh thu n gi khch hng. Trng hp khch hng trc y c k hu vn n theo b chng t nh thu ny th thc hin bc 8a hoc 8b tu theo ch dn nh thu l chp nhn hay thanh ton b chng t. 1. Kim tra li cc ch dn nh thu. 2. Kim tra h s v d liu m TTV nhp.
1. Ph duyt giao dch nu chp nhn h s v d liu m TTV

3/ KSV 4a/ KSV

nhp.

39

Bc / Thao tc Cn b thc hin 2. In chng t: - Thng bo b chng t nh thu n: 1 bn gc, 1 bn lu; - in xc nhn nhn c b chng t nh thu: 1 bn gc; - Giy bo n: 1 bn gc, 1 bn dnh cho khch hng, 1 bn lu. 3. Chuyn h s c ph duyt ti TTV. 4b/ KSV 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Fax bn thng bo b chng t nh thu n ti khch hng (gi bn gc khi khch hng ti ngn hng giao dch). 2. Chuyn chng t: - cho khch hng: 1 bn dnh cho khch hng giy bo n v bn gc thng bo b chng t nh thu - b phn k ton: 1 bn gc giy bo n 3. Theo di giao dch thc hin. 1. Nhc nh khch hng thanh ton, chp nhn theo ch dn nh thu. 1. Phn loi phn hi t khch hng. - Nu ch dn nh thu yu cu thanh ton tr chm v khch hng p ng c cc iu kin nh thu th thc hin bc 8a. Lu : Trng hp b chng t c hi phiu i tin tr chm, khi chp nhn thanh ton khch hng phi thc hin chp nhn trn c hi phiu v giy thng bo ca ngn hng. Hi phiu c khch hng chp nhn s lu ti ngn hng v ch tr cho khch hng khi thanh ton xong. - Nu ch dn nh thu yu cu khch hng thanh ton tr ngay v khch hng p ng c cc iu kin nh thu th thc hin bc 8b. - Nu khch hng khng p ng c cc iu kin nh thu th thc hin bc 8c. 1. K hu vn n (trong trng hp vn n lp theo lnh ca ngn hng) theo hng dn s HD-01-05.

5/ TTV

6/ TTV 7/ TTV

8a/ TTV

40

Bc / Thao tc Cn b thc hin 2. S dng chng trnh TF-SIBS lp in chp nhn b chng t (thu k qu (nu cn) trong trng hp ngn hng b rng buc trch nhim thanh ton). 3. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 4. Chuyn chng t ti KSV. 8b/ TTV 1. K hu vn n (trong trng hp vn n lp theo lnh ca ngn hng) theo hng dn s HD-01-05. 2. S dng chng trnh TF-SIBS lp in thanh ton b chng t. 3. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 4. Chuyn chng t ti KSV. 1. S dng chng trnh TF-SIBS lp in thng bo khch hng t chi b chng t. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 3. Chuyn chng t ti KSV. 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - Trng hp khch hng chp nhn b chng t: + giy bo n: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu + in chp nhn thanh ton: 1 bn gc. - Trng hp khch hng thanh ton: + giy bo n : 1 bn gc, 1 bn lu v 1 bn dnh cho khch hng + in thanh ton: 1 bn gc, 1 bn lu. + in thng bo thanh ton: 1 bn gc - Trng hp khch hng t chi b chng t: + in thng bo khch hng t chi: 1 bn gc. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV

8c/ TTV

9/ KSV 10a/ KSV

10b/ KSV

41

Bc / Thao tc Cn b thc hin nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa 11/ TTV 1. Phn loi giao dch cn hon tt. - Giao dch thc hin ti bc 8a th chuyn bc 12a. - Giao dch thc hin ti bc 8b th chuyn bc 12b. - Giao dch thc hin ti bc 8c th chuyn bc 12c-1. 1. Ph t chng t mi loi 1 bn (nu ngn hng nh thu khng gi bn sao b chng t dnh cho ngn hng thc hin ch dn nh thu). 2. Tr chng t cho khch hng, bao gm c vn n k hu (trong trng hp vn n lm theo lnh ca Ngn hng), (yu cu khch hng k nhn chng t khi trao chng t). 3. Chuyn chng t: + cho khch hng: 1 bn dnh cho khch hng giy bo n; + ti b phn k ton: 1 bn gc giy bo n . 4. Lu h s chp nhn b chng t gm: - B chng t ph t ni trn (gm c coversheet). - Giy bo n, in chp nhn v cc giy t khc (nu c). 1. Ph t chng t mi loi 1 bn (nu ngn hng nh thu khng gi bn sao b chng t dnh cho ngn hng thc hin ch dn nh thu). 2. Tr chng t cho khch hng bao gm c vn n k hu (trong trng hp vn n lm theo lnh ca Ngn hng), (yu cu khch hng k nhn chng t khi trao chng t). 3. Chuyn chng t: - Ti khch hng: 1 bn dnh cho khch hng giy bo n; - Ti b phn k ton: 1 bn gc giy bo n, 1 bn gc in thanh ton .

12a/ TTV

12b/ TTV

42

Bc / Thao tc Cn b thc hin 4. Lu h s thanh ton b chng t gm: - B chng t ph t ni trn (gm c coversheet). - Giy bo n, in thanh ton v cc giy t khc (nu c). 12c-1/ TTV 1. Theo di phn hi/ch dn ca ngn hng nh thu. 2. X l phn hi ca ngn hng nh thu: - Nu ngn hng nh thu c thay i ch dn thanh ton nh v gi c, thi hn... hoc gi chng t b sung th thng bo cho khch hng bit v tip tc thc hin bc 8. - Nu ngn hng nh thu yu cu gi li chng t hoc sau mt thi gian nht nh m khng nhn c phn hi th ph t mt bn cc chng t (gm c coversheet) v gi tr li ngn hng nh thu b chng t nh thu theo ch dn. 1. Lu h s thc hin giao dch gm: - B chng t ph t ni trn. - Giy t chi thanh ton ca khch hng. - in yu cu gi tr chng t v cc giy t khc (nu c). 1. Phn loi phn hi t khch hng. - Nu ti ngy n hn khch hng ng thanh ton th thc hin bc 15a. - Nu ti ngy n hn thanh ton khch hng t chi thanh ton th thc hin 15b. 1. S dng chng trnh TF-SIBS lp in thanh ton. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. S dng chng trnh TF-SIBS lp in thng bo khch hng t chi thanh ton. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. Kim tra h s v d liu do TTV nhp.

12c-2/ Cn b phng TTQT 13/ TTV

14a/ TTV

14b/ TTV

15/ KSV

43

Bc / Thao tc Cn b thc hin 16a/ KSV 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - Trng hp khch hng thanh ton: + giy bo n: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu ; + in thanh ton: 1 bn gc, 1 bn lu ; + in thng bo thanh ton: 1 bn gc. - Trng hp khch hng t chi thanh ton: + in thng bo t chi thanh ton: 1 bn gc. 3. Chuyn h s c ph duyt ti TTV.
1. T chi giao dch nu khng chp nhn d liu m TTV

16b/ KSV

nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 17/ TTV 1. Trng hp khch hng thanh ton: - Chuyn ti khch hng v b phn k ton: 1 bn dnh cho khch hng, 1 bn gc giy bo n. - Lu h s thanh ton b chng t gm: + Giy bo n, in thanh ton, in thng bo thanh ton v cc giy t khc (nu c). 2. Trng hp khch hng t chi thanh ton: Lu h s gm: - Giy t chi thanh ton ca khch hng. - in thng bo khch hng t chi thanh ton. - Cc giy t lin quan khc (nu c).

1.7 Quy trnh thng bo th tn dng (IL) Quy trnh thng bo th tn dng gm 10 bc (bng 7)

44

Bc / Thao tc Cn b thc hin 1/ TTV 1. Tip nhn th tn dng do ngn hng pht hnh/ngn hng thng bo gi: - Kim tra tnh xc thc ca th tn dng nhn c: + Nu th tn dng c gi bng SWIFT th in SWIFT phi th hin l c kim tra m kho ng. + Nu th tn dng c gi bng TELEX th in TELEX phi c m kho (testkey) v m kho phi c b phn bo mt xc nhn l hp l. + Nu th tn dng c gi bng th th ch k u quyn trn th tn dng phi c b phn bo mt kim tra v xc nhn l ch k hp l. * Mi trng hp cha xc nh c tnh xc thc ca th tn dng u phi lin h vi b phn bo mt lm r (in SWIFT MT700, 701, 710, 711, 720, 721,799 nhn c qua chng trnh TF-SIBS c coi l c kim tra m kho ng). - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS. 2/ TTV 1. Kim tra tnh lin tc v y ca th tn dng nhn c. Nu pht hin th tn dng khng lin tc, y th bo ngn hng gi b sung/lm r. 2. Kim tra s r rng, rnh mch ca cc iu khon. Thng bo cho ngn hng gi lm r nu cn. 3. Kim tra xem th tn dng do ngn hng pht hnh/ngn hng thng bo gi l th tn dng y , c gi tr thc hin hay ch l thng bo s b, khng c gi tr thc hin. 4. S dng chng trnh TF-SIBS to giao dch thng bo chnh thc hoc thng bo s b th tn dng n. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 1. Kim tra h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: * Trng hp thng bo chnh thc: - thng bo th tn dng n: 1 bn gc, 1 bn lu ;

3/ KSV 4a/ KSV

45

Bc / Thao tc Cn b thc hin - giy bo n: 1 bn gc, 1 bn dnh cho khch hng, 1 bn lu * Trng hp thng bo s b: - thng bo s b th tn dng: 1 bn gc, 1 bn lu. 3. Chuyn h s c ph duyt ti TTV. 4b/ KSV 1. T chi giao dch nu khng chp nhn h s v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Trng hp thng bo chnh thc thc: - Fax giy thng bo th tn dng ti khch hng. - Chuyn ti b phn k ton 1 bn gc giy bo n . - Giao khch hng bn gc giy thng bo th tn dng, bn gc th tn dng v giy bo n bn dnh cho khch hng (yu cu khch hng k nhn khi nhn th tn dng gc). - Lu h s thng bo th tn dng gm: + Giy thng bo v 1 bn sao th tn dng. + Giy bo n, in tra sot v cc giy t khc (nu c). 2. Trng hp thng bo s b: - Fax giy thng bo s b th tn dng n ti khch hng (c th fax/gi th tn dng s b ti khch hng nu c yu cu nhng lu khch hng trnh vic s dng nhm ln). - Lu h s thng bo s b th tn dng gm: + 1 giy thng bo s b th tn dng n. + 1 bn gc th tn dng s b. - Theo di, nhc nh ngn hng pht hnh gi th tn dng chnh thc. Khi nhn c th tn dng y t ngn hng pht hnh/ngn hng thng bo quay tr li bc 2 thng bo chnh thc th tn dng n (lu dn chiu n th tn dng s b thng bo trc y). 1. Theo di tnh trng ca th tn dng thng bo.

5/ TTV

6/ TTV

46

Bc / Thao tc Cn b thc hin 7/ TTV 1. Khi khch hng v ngn hng pht hnh th tn dng ng hu, s dng chng trnh TF-SIBS nhp d liu hu th tn dng thng bo. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu. * Vic hu th tn dng thng bo c th c tin hnh t ng bi chng trnh TF-SIBS khi th tn dng ht s d hoc 3 thng k t ngy ht hn. 8/ KSV 9a/ KSV 1. Kim tra li h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn vic hu th tn dng v d liu m TTV nhp. 2. In chng t: thng bo hu th tn dng: 1 bn gc, 1 bn lu. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn vic hu th tn dng v/hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Chuyn ti khch hng: 1 bn gc thng bo hu th tn dng. 2. Lu h s thng bo th tn dng hu v cc giy t lin quan.

9b/ KSV

10/ TTV

1.8 Quy trnh nh thu i (OC) Quy trnh nh thu i gm 15 bc nh sau (bng 8) Bng 8: Quy trnh nh thu i (OC) Bc / Thao tc Cn b thc hin 1/ TTV 1. Tip nhn chng t do khch hng gi (BM-06): - Kim tra s lng chng t vi lit k chng t trn giy ch dn nh thu m bo khp ng. K giao nhn chng t vi khch hng.

47

Bc / Thao tc Cn b thc hin ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS
-

2/ TTV

1. Kim tra ch dn nh thu ca khch hng: - Nu ch dn khng r rng th lin h vi khch hng lm r. - Nu khch hng ngh ngn hng kim tra chng t xut trnh theo L/C th tin hnh kim tra chng t (HD-01-03). Nu b chng t c bt ng th s dng chng trnh TF-SIBS to thng bo b chng t c bt ng gi khch hng. Tu theo phn hi ca khch hng m x l: + Nu khch hng chnh sa/b sung b chng t th kim tra chng t mi c chnh sa/b sung. + Nu khch hng ngh hi kin ngn hng pht hnh/ngn hng c ch nh: S dng chng trnh TF-SIBS lp in thng bo bt ng hi kin ca ngn hng pht hnh th tn dng/ngn hng c ch nh yu cu ngn hng ny xc nhn c chp nhn nhng bt ng khng v thng bo cho khch hng kt qu khi nhn c phn hi. 2. S dng chng trnh TF-SIBS to giao dch nh thu theo ch dn ca khch hng hoc ch dn trong th tn dng khi khch hng khng yu cu kim tra chng t; khi b chng t khng c bt ng (trng hp khch hng yu cu kim tra chng t) hoc bt ng c khch hng chp nhn gi i. 1. Kim tra li cc ch dn nh thu. 2. Kim tra h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - ch dn i tin (coversheet): 1 bn gc, 1 bn lu; - giy bo n (nu c): 1 bn gc, 1 bn dnh cho khch hng, 1 bn lu. - in i tin (nu c): 1 bn gc 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa.

3/ KSV 4a/ KSV

48

Bc / Thao tc Cn b thc hin 5/ TTV 1. Gi chng t ti ngn hng nh thu theo ch dn ca khch hng hoc th tn dng bng hnh thc ph hp theo la chn ca ngn hng trong tng thi k 2. Chuyn chng t ti khch hng (giy bo n dnh cho khch hng) v b phn k ton 1 bn gc giy bo n. 3. Lu h s b chng t i tin gm: - Ch dn gi chng t ca khch hng. - Bn ph t b chng t ni trn hoc bn sao dnh cho ngn hng. - Bn sao Coversheet. - Bin lai gi chng t. - Giy bo n v cc giy t/in khc (nu c). 4. Theo di vic thanh ton * Ghi ch: Chng trnh t ng tra sot sau mt s ngy nht nh k t ngy thc hin giao dch m cha nhn c bo c hoc chp nhn (i vi b chng t tr chm). 6/ TTV 1. Phn loi phn hi t ngn hng nh thu / pht hnh / thanh ton. - Nu nhn c t chi b chng t th thc hin bc 7a1. - Nu nhn c tin thanh ton th thc hin bc 7b. - Nu nhn c in chp nhn b chng t (i vi b chng t tr chm) th thc hin bc 7c. 1. Kim tra l do t chi ca ngn hng pht hnh xem c hp l khng (nu b chng t c ngn hng kim tra trc y). Thc hin tra sot vi ngn hng pht hnh (nu cn). 2. Thng bo khch hng bit ngn hng pht hnh/nh thu t chi thanh ton b chng t v ngh khch hng c ch dn. 3. Theo di phn hi t khch hng.
1. S dng chng trnh TF-SIBS thanh ton tin i c.

7a-1/ TTV

7b/ TTV

7c/ TTV

y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. S dng chng trnh TF-SIBS to giao dch chp nhn thanh ton. y giao dch vo hng i duyt khi hon tt vic nhp

49

Bc / Thao tc Cn b thc hin d liu. 2. Chuyn chng t ti KSV. 7a-2/ Cn b phng TTQT 8/ KSV 9a/ KSV 1. Tu thuc vo x l ti bc 7a-1 v phn hi ca khch hng / ngn hng pht hnh m c x l thch hp nh gi chng t chnh sa / b sung; sa i ch dn i tin / nh thu; hay yu cu gi tr b chng t . 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: - Trng hp b chng t c thanh ton: giy bo n v bo c: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu. - Trng hp b chng t c chp nhn: thng bo b chng t c chp nhn: 1 bn gc, 1 bn lu. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn h s v d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Phn loi giao dch thc hin: - Giao dch thc hin ti bc 7b th chuyn bc 11a. - Giao dch thc hin ti bc 7c th chuyn bc 11b. 1. Chuyn chng t: - Ti khch hng: 1 bn giy bo n v 1 bn giy bo c dnh cho khch hng. - B phn k ton: 1 bn gc giy bo n v bo c . 2. Lu h s thanh ton b chng t gm: in bo c, giy bo c, bo n v cc giy t khc (nu c). 1. Chuyn 1 bn gc giy thng bo b chng t c chp nhn ti khch hng. 2. Lu h s b chng t c chp nhn gm: - in thng bo chp nhn ca ngn hng pht

9b/ KSV

10/ TTV

11a/ TTV

11b/ TTV

50

Bc / Thao tc Cn b thc hin hnh/nh thu, thng bo chp nhn b chng t gi khch hng v cc giy t khc (nu c). 3. Theo di tnh trng b chng t c chp nhn. 12/ TTV 1. S dng chng trnh TF-SIBS to giao dch thanh ton b chng t nh thu khi nhn c tin vo ngy n hn. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: giy bo c, bo n: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu . 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung / chnh sa. 1. Chuyn chng t: - Ti khch hng: 1 bn dnh cho khch hng giy bo c v giy bo n - Ti b phn k ton:1 bn gc giy bo c, bo n . 2. Lu h s thanh ton b chng t gm: in bo c, giy bo c, bo n v cc giy t khc (nu c).

13/ KSV 14a/ KSV

14b/ KSV

15/ TTV

1.9 Quy trnh chit khu b chng t (BP) Nghip v chit khu b chng t c thc hin theo 15 bc (bng 9)

51

Bng 9: Quy trnh chit khu b chng t (BP) Bc / Thao tc Cn b thc hin 1/ TTV 1. Tip nhn chng t do khch hng gi: Kim tra s lng chng t vi lit k chng t trn giy ngh chit khu. K giao nhn chng t vi khch hng. ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS 2/ TTV 1. Kim tra iu kin chit khu: - Kim tra du v ch k trn ngh chit khu (2 bn) (BM-05) ca khch hng ph hp vi du v ch k ng k ti ngn hng. - Kim tra iu kin chit khu: (thc hin theo quy nh v chit khu chng t hng xut ca Ngn hng u t v Pht trin Vit Nam trong tng thi k). - Kim tra hn mc chit khu: nu giao dch cha c xy dng hn mc chit khu hoc hn mc khng th chuyn h s sang Phng Tn dng xy dng hoc b sung hn mc. - Trng hp b chng t c bt ng: s dng chng trnh TF-SIBS lp thng bo gi khch hng. Tu theo phn hi ca khch hng m x l: + Nu khch hng chnh sa/b sung b chng t th kim tra chng t mi c chnh sa/b sung. + Nu khch hng ngh hi kin ngn hng pht hnh/ ngn hng c ch nh: S dng chng trnh TF-SIBS lp in thng bo bt ng hi kin ca ngn hng pht hnh/ ngn hng c ch nh yu cu ngn hng ny xc nhn c chp nhn nhng bt ng khng v thng bo cho khch hng kt qu khi nhn c phn hi. 2. S dng chng trnh TF-SIBS to giao dch chit khu theo tho thun gia ngn hng v khch hng. 1. Kim tra h s, chng t v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t:

3/ KSV 4a/ KSV

52

Bc / Thao tc Cn b thc hin - 1 bn gc, 1 bn lu ch dn i tin (coversheet); - 1 bn gc, 1 bn dnh cho khch hng, 1 bn lu giy bo c v bo n; - 1 bn gc in i tin (nu c). 3. Chuyn h s c ph duyt ti TTV. 4b/ KSV 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung / chnh sa. 1. Ph t b chng t nu khch hng khng cung cp 1 bn sao b chng t cho ngn hng. 2. Gi chng t i i tin bng hnh thc ph hp theo la chn ca ngn hng trong tng thi k. 3. Chuyn chng t: - Cho khch hng: 1 bn dnh cho khch hng giy bo c v giy bo n - Ti b phn k ton: 1 bn gc giy bo c v giy bo n 4. Lu h s b chng t i tin gm: - Bn ph t b chng t ni trn. - Coversheet. - Giy bo c, bo n v cc giy t / in khc (nu c). 5. Nhc nh ngn hng pht hnh/nh thu/hon tr thanh ton / chp nhn chng t. 1. Phn loi phn hi t ngn hng ngn hng pht hnh / ngn hng ch nh: - Nu nhn c t chi: thc hin bc 7a. - Nu nhn c thanh ton: thc hin bc 7b. - Nu nhn c chp nhn: thc hin bc 7c. 1. Kim tra l do t chi ca ngn hng pht hnh xem c hp l khng. Thc hin tra sot vi ngn hng pht hnh (nu cn). 2. Thng bo khch hng v Phng Tn dng bit ngn hng pht hnh / ngn hng ch nh t chi thanh ton b chng t (BM-09).

5/ TTV

6/ TTV

7a/ TTV

53

Bc / Thao tc Cn b thc hin 3. Theo di tnh trng b chng t chit khu. 7b/ TTV 1. S dng chng trnh TF-SIBS thu n gc, li v cc chi ph pht sinh. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. S dng chng trnh TF-SIBS to giao dch chp nhn thanh ton. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: Trng hp thu n: 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu giy bo n, bo c. Trng hp b chng t c chp nhn: 1 bn gc, 1 bn lu thng bo b chng t c chp nhn. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn h s v d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Phn loi giao dch thc hin: - Giao dch thc hin ti bc 7b th chuyn bc 11a. - Giao dch thc hin ti bc 7c th chuyn bc 11b. 1. Chuyn chng t: - Ti khch hng: 1 giy bo n v 1 giy bo c bn dnh cho khch hng - Ti b phn k ton: 1 bn gc giy bo c, bo n. 2. Lu h s thanh ton b chng t gm: in bo c, giy bo c, bo n v cc giy t khc (nu c).

7c/ TTV

8/ KSV 9a/ KSV

9b/ KSV

10/ TTV

11a/ TTV

54

Bc / Thao tc Cn b thc hin 11b/ TTV 1. Chuyn 1 bn gc giy thng bo b chng t c chp nhn ti khch hng. 2. Lu h s b chng t c chp nhn gm: in thng bo chp nhn ca ngn hng pht hnh/ ngn hng ch nh, thng bo chp nhn b chng t gi khch hng v cc giy t khc (nu c). 3. Theo di tnh trng b chng t c chp nhn. 12/ TTV 1. S dng chng trnh TF-SIBS to giao dch thu n b chng t chit khu khi nhn c tin vo ngy n hn hoc sau mt thi gian nht nh theo tho thun m khng nhn c tin thanh ton b chng t. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 2. Chuyn chng t ti KSV. 13/ KSV 14a/ KSV 1. Kim tra h s v d liu do TTV nhp. 1. Ph duyt giao dch nu chp nhn h s v d liu m TTV nhp. 2. In chng t: giy bo n, giy bo c (nu c): 1 bn gc, 1 bn dnh cho khch hng v 1 bn lu. 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Chuyn 1 bn dnh cho khch hng, 1 bn gc giy bo n, bo c ti khch hng v b phn k ton. 2. Lu h s thanh ton b chng t gm: Giy bo n, in bo c, giy bo c, v cc giy t khc (nu c).

14b/ KSV

15/ TTV

1.10 Quy trnh thng bo bo lnh (AG) Nghip v thng bo bo lnh c thc hin qua 10 bc di y (bng 10) Bng 10: Quy trnh thng bo bo lnh (AG)

55

Bc / Thao tc Cn b thc hin 1/ TTV 1. Tip nhn bo lnh do ngn hng pht hnh / ngn hng thng bo gi: - Kim tra tnh xc thc ca bo lnh nhn c. + Nu bo lnh c gi qua bng SWIFT th in SWIFT phi th hin l c kim tra m kho ng. + Nu bo lnh c gi bng TELEX th in TELEX phi c m kho (testkey) v m kho phi c b phn bo mt xc nhn l hp l. + Nu bo lnh c gi bng th th ch k u quyn trn bo lnh phi c b phn bo mt kim tra v xc nhn l ch k hp l. * Mi trng hp cha xc nh c tnh xc thc ca bo lnh u phi lin h vi b phn bo mt lm r (in SWIFT MT760, 767, 799 nhn c qua chng trnh TF-SIBS c coi l c kim tra m kho ng). - ng du NHN v ghi ngy nhn. 2. ng k giao dch vo chng trnh TF-SIBS. 2/ TTV 1. Kim tra tnh lin tc, y ca bo lnh nhn c. Nu pht hin bo lnh khng lin tc, y th bo ngn hng gi b sung/lm r. 2. Kim tra s r rng, rnh mch ca cc iu khon. Thng bo cho ngn hng gi lm r nu cn. 3. S dng chng trnh TF-SIBS to giao dch thng bo bo lnh n. y giao dch vo hng i duyt khi hon tt vic nhp d liu. 1. Kim tra h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp h s v d liu m TTV nhp. 2. In chng t: - Thng bo bo lnh: 1 bn gc, 1 bn lu; - Giy bo n: 1 bn gc, 1 bn dnh cho khch hng, 1 bn lu; 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn h s v/hoc d liu m TTV nhp.

3/ KSV 4a/ KSV

4b/ KSV

56

Bc / Thao tc Cn b thc hin 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung / chnh sa. 5/ TTV 1. Fax giy thng bo bo lnh ti khch hng. 2. Chuyn ti b phn k ton 1 bn gc giy bo n. 3. Giao khch hng bn gc giy thng bo bo lnh km bn gc bo lnh v giy bo n bn dnh cho khch hng (yu cu khch hng k nhn khi nhn bo lnh gc). 4. Lu h s thng bo bo lnh gm: - Giy thng bo bo lnh v 1 bn sao bo lnh. - Giy bo n, in tra sot v cc giy t khc (nu c). 1. Theo di tnh trng ca bo lnh thng bo. 1. Khi bo lnh c ngi th hng v ngn hng pht hnh bo lnh ng hu, s dng chng trnh TF-SIBS nhp d liu hu bo lnh thng bo. 2. y giao dch vo hng i duyt khi hon tt vic nhp d liu. * Vic hu bo lnh c th c tin hnh t ng bi chng trnh TFSIBS khi bo lnh ht s d hoc sau 3 thng k t ngy ht hn. 1. Kim tra li h s v d liu m TTV nhp. 1. Ph duyt giao dch nu chp nhn vic hu bo lnh v d liu m TTV nhp. 2. In chng t: thng bo hu bo lnh: 1 bn gc, 1 bn lu . 3. Chuyn h s c ph duyt ti TTV. 1. T chi giao dch nu khng chp nhn vic hu bo lnh v / hoc d liu m TTV nhp. 2. Ghi l do t chi, gch cho hu bn nhp m TTV in (nu c) v chuyn h s li cho TTV b sung/chnh sa. 1. Chuyn ti khch hng: 1 bn gc thng bo hu bo lnh . 2. Lu h s thng bo bo lnh hu v cc giy t lin quan.

6/ TTV 7/ TTV

8/ KSV 9a/ KSV

9b/ KSV

10/ TTV

57

2. S lc v kt qu kinh doanh t vic p dng cc quy trnh thanh ton quc t ti S Giao Dch 3 Ngn hng u t v Pht trin Vit Nam (BIDV). Trong iu kin cc nghip v ngn hng truyn thng nh huy ng vn, tn dng chu sc p cnh tranh ngy cng gia tng, cng vi xu th pht trin mnh m ca cng ngh ngn hng, BIDV ngy cng ch trng n vic cung ng cc dch v ngn hng trong c dch v TTQT, coi y l mt chin lc quan trng nhm p ng ngy cng cao nhu cu ca khch hng, ng thi thc hin a dng ho hot ng ngn hng theo m hnh ngn hng hin i. Doanh s hot ng v ph dch v TTQT tng mnh qua cc nm th hin s trng thnh c v quy m v cht lng. T nm 2000 n nay, mng li TTQT khng ngng c m rng, t ch ch gm 21 chi nhnh c kh nng phc v nhu cu TTQT ca khch hng, n nay, ton h thng BIDV c 59 chi nhnh thc hin TTQT trc tip, trong c 57 chi nhnh tnh thnh ph v 2 chi nhnh trc thuc. Tnh n 9 thng u nm 2008, tng ti sn ca BIDV t 232.099 t VND, tng 13,5% so u nm v tng 15,1% cng k nm trc, bng tc tng trng cng k nm trc. Huy ng vn t 173.510 t, tng 16,1% so u nm, tng 20,9% so vi cng k nm trc. D n tn dng t 137.204 t, tng 16% so u nm v tng 24% so cng k nm trc, cao hn tc tng cng k nm trc (15,4%). D n n 31/12/2008 d kin tng t 25-26% so vi u nm. Doanh s mua bn ngoi t 9 thng c t 34,5 t USD, tng khong 130% so vi cng k nm trc. Hiu qu kinh doanh ngoi t tng mnh gp 7 ln so vi cng k nm trc. Doanh s cho vay xut khu t 18.900 t ng; d n cho vay xut khu t 7.460 t ng, tng 73% so vi u nm, tng gn 2 ln so cng k nm trc. Doanh s cho vay nhp khu t 16.700 t

58

ng; d n cho vay nhp khu t 6.780 t ng, tng 65% so vi u nm v 1,4 ln so cng k nm trc. Trch d phng ri ro t 2.703 t ng, nng s d qu DPRR t 5.155 t. Thu dch v rng t 1.512 t, tng trng mnh so cng nm trc (183%), vt gn gp hai mc thc hin ca c nm 2007. c bit to c bc t ph trong hot ng kinh doanh tin t (tng gp 7 ln cng k nm trc). T l n xu 3,87% tng 1,26% so u nm (2,75%), chnh lch thu chi t 3.734 t, tng 80% so cng k nm trc; li nhun trc thu t 1.631 t ng. ROAt 0,6%; ROEt 11%. H s an ton vn CAR 9,46% [9]. Di y l mt s bng biu v kt qu hot ng thanh ton quc t ti S Giao Dch 3 BIDV trong 3 nm 2006, 2007 v 2008. Bng 11: Doanh s thanh ton quc t ti S giao dch 3 [5]. n v: Triu USD Phng thc TTQT Chuyn tin L/C nhp khu Doanh s TTQT Nm 2006 S tin 78 52 130 T trng 60% 40% 100% Nm 2007 S tin 98 72 170 T trng 57,6% 42,4% 100% Nm 2008 S tin 110 86 196 T trng 56,1% 43,9% 100%

Doanh s TTQT ti S giao dch 3 tng u qua cc nm, trong doanh s t hot ng chuyn tin lun chim t trng cao trn 50%

59

Bng 12: Mc ph dch v theo quy nh thng nht ca BIDV: [5] NI DUNG Ph pht hnh L/C Ph bo lnh nhn hng Ph hy L/C Ph thanh ton b chng t i tin L/C tr ngay MC PH 20$ -700$ 30$ 10$ 5$ - 400$

Bng 13: Doanh thu ph t hot ng thanh ton quc t [5] n v : Triu VND Phng thc Thanh ton Chuyn tin L/C pht hnh L/C thanh ton Doanh thu ph Nm 2006 150 169 81 400 Nm 2007 233 312 155 700 Nm 2008 274 356 200 830

Bng 14: Doanh s L/C nhp khu ti S giao dch 3 [5] n v: Triu USD L/C nhp khu L/C thanh ton L/C m Tng doanh s 2006 S tin 12 40 52 T trng 23% 77% 100% 2007 S tin 22 50 72 T trng 30,5% 69,5% 100% 2008 S tin 27 59 86 T trng 31,4% 68,6% 100%

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Bng 15: Doanh s chuyn tin ti S giao dch 3 [5] n v: Triu USD Phng thc chuyn tin Chuyn tin n Chuyn tin i Tng s 2006 S tin 72 6 78 T trng 92,3% 7,7% 100% 2007 S tin 90 8 98 T trng 91,8% 8,2% 100% 2008 S tin 99 11 110 T trng 90% 10% 100%

3. nh gi v quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam 3.1 Nhn xt chung Quy trnh TTQT c ban hnh km theo quyt nh s 4929/ KDN2 ngy 13/09/ 2005 ca Tng Gim c Ngn hng u t v Pht trin Vit Nam (BIDV) . Sau 3 nm a vo thc hin ng b trn ton h thng, cht lng hot ng TTQT ca BIDV ci thin r rt th hin cc bng s liu v cc loi hnh doanh thu TTQT, t doanh s chuyn tin, doanh thu ph, doanh s LC nhp khu. Quy trnh chun ha, phn chia chi tit cho nhiu nghip v v c s phn b trch nhim r rng gia cc cn b thanh ton v kim sot vin gip hot ng thanh ton c chuyn mn ha, trnh s nhp nhng v khng nht qun. Cc bc thc hin quy trnh ch yu do thanh ton vin m nhim, nhng sau mi bc li c kim sot vin kim tra li tng chi tit. iu ny gip hn ch ti a nhng sai st trong khi lp giao dch. Quy trnh cng th hin s kt ni cht ch v mt thng tin vi khch hng khi nhng bc quan trng u c ghi ch thng bo v theo di phn hi t pha khch hng, gip giao dch thanh ton c tri chy v thun li.

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3.2 Mt s kt qu t c Qua cc nm hot ng cng vi b dy kinh nghim ca i ng cn b nghip v tng ln, s i mi nhanh chng v cng ngh, k thut, trang b ng b mng SWIFT, phn mm ti tr thng mi ca Siverlek, hot ng thanh ton quc t ca BIDV tng bc pht trin, ngy cng nng cao sc cnh tranh, m bo kinh doanh c hiu qu cao v iu kin hi nhp quc t. BIDV ang gng sc pht huy hiu qu ca m hnh hot ng TTQT theo d n hin i ho do ngn hng th gii ti tr, m bo tng trng hot ng nhng vn an ton trong giao dch, gi vng v nng cao uy tn dch v TTQT vi cc ngn hng trong v ngoi nc, cng nh i vi khch hng. Mt s kt qu chnh m BIDV t c trong nhng nm va qua l : - Hot ng thanh ton quc t qua cc nm c m rng c v qui m v cht lng: Hot ng TTQT ca BIDV c mc tng trng mnh trong cc nm gn y vi mc bnh qun tng trng t nm 2000 n nay l 25% nm v doanh s hot ng, tng cao v s lng dch v mi cung cp, m rng th trng, th phn hot ng TTQT ca BIDV trong c nc ngy cng c m rng t 7,5% nm 2000 n nm 2008 ln ti 10%, nng cao cht lng phc v khch hng, h tr tch cc cc nghip v truyn thng, t trng chim lnh trong tng doanh thu ngy cng cao. - Cc nghip v thanh ton quc t ngy cng c m rng. K t khi thnh lp, ti BIDV mi ch c cc sn phm dch v thanh ton quc t truyn thng nh m th tn dng, chuyn tin ; cho n nay BIDV pht trin c hu ht cc sn phm dch v thanh ton quc t hin c trn th trng Vit nam.in hnh l cc sn phm dch v thanh ton quc t mi nh chit khu chng t hng xut, xc nhn L/C, tn dng trn gi (Packing Credit), Bin lai tn thc (Trust Receipt),thanh ton th tn dng quc t, sc

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du lch, mi y nht l dch v ngn hng in t, phc v gii ngn ngun vn ODA v phc v thanh ton cho cc D n quc gia c B ti chnh v Ngn hng Nh nc ch nh . - Trnh cng ngh ngn hng v trnh nghip v cn b c nng cao. i ng cn b BIDV lun c tip cn vi cng ngh tin tin trn th gii nh tham gia h thng SWIFT vi cc phin bn hin i nht c cp nht thng xuyn, xy dng v trin khai chng trnh ti tr thng mi nm trong d n Hin i ho ngn hng theo tiu chun ca ngn hng thng mi hin i. Qui trnh thc hin nghip v lin tc c ci tin, BIDV cng xy dng chng trnh Home Banking/ Direct Banking/ Mobile Banking cung cp cc dch v tin ch cho khch hng nh tra cu s d ti khon, gi lnh thanh ton, lnh pht hnh th tn dng bng h thng in t. - Quan h i l ngy cng c m rng, uy tn ca BIDV ngy cng uc tng cng trn trng quc t cng nh trong nc.S lng ngn hng i l v s nc thit lp quan h i l ca BIDV ngy cng nhiu. T ch hon ton khng c quan h vi nc ngoi trong nhng nm u thp k 90, n nay, BIDV thit lp quan h i l vi trn 800 ngn hng v c quan h ti khon vi 43 ngn hng trn th gii, c mi quan h hp tc su rng vi cc i tc nc ngoi c uy tn ti cc th trng Sc, Nga, M, Trung Quc, Lo.... n nay, BIDV l thnh vin ca Hip hi ngn hng Chu (ABA), ASEAN v l thnh vin hi ng qun tr ca Hip hi cc nh ch ti chnh pht trin Chu Thi Bnh Dng (ADFIAP). Nm 2008 va qua BIDV c WB tip tc la chn l nh ch bn bun thc hin d n ti chnh nng thn III vi gi tr 200 triu USD h tr pht trin kinh t nng nghip, nng thn [14].

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3.3 Nhng mt hn ch, kh khn Hn ch v nhn lc: BIDV xy dng c mt i ng cn b nghip v ng o, nhiu ngi trong s c trnh nghip v v ngoi ng rt tt. y l mt yu t quan trng, gp phn thc y hot ng TTQT pht trin nhanh chng. Tuy nhin trnh nghip v TTQT ca cn b BIDV hin nay khng ng u, nht l chi nhnh cc tnh. Nhiu cn b ch thuc mt cch my mc m cha nm vng c ngha ca nhiu iu khon ca cc tp qun quc t, dn n vic hiu v vn dng sai cc iu khon ca cc tp qun. i ng cn b TTQT ti BIDV ch yu l cn b tr nng n nhit tnh nhng do c im ca loi hnh dch v ny l mi, ang c m rng cc chi nhnh trn khp cc a bn trn ton quc nn cng khng trnh khi cc hn ch nh trnh nghip v ca cn b cha cao, cha c c st thc t c rt kinh nghim, trnh ngoi ng yu, khng thng xuyn cp nht cc thng l quc t, thc chp hnh quy ch, quy trnh thanh ton quc t cha nghim tc, thm ch cn so sut gy tn tht cho ngn hng. Hn ch v k thut, cng ngh: Nhn chung tui ngh ca cc ngn hng thng mi ni chung v BIDV ni ring cn qu ngn so vi cc ngn hng thng mi ln trn th gii. Do vy kinh nghim hot ng v k thut ca BIDV cn thiu v cha th p ng yu cu chung cho tiu chun mt ngn hng hin i trong khu vc. Cc hnh thc thanh ton d c m rng nhng cha c c s vt cht y , nhiu khi dn n nhng sai st khng ng c. Mt trong s ny l nhng bt cp ca h thng th ATM, thi thang vn cn tnh trng my nut th, tr tin rch v thm ch l an ton, tnh bo mt ca cc giao dch cn thp. iu ny khng nhng khin BIDV mt uy tn vi khch hng m cn nh hng n doanh thu hot ng. p lc cnh tranh ni b ngnh v vi cc ngn hng trong khu vc v th gii: Trong bi cnh BIDV khng ngng m rng, cc ngn hng thng

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mi v u t trong nc vn tng trng lin tc, dn u nhiu nm l Ngn hng Thng mi C phn Ngoi thng Vit Nam (Vietcombank). Khng ch th, thi gian gn y s ra i ca mt lot ngn hng mi khin BIDV phi n lc khng ngng, lin tc cng c h thng v cho ra i nhng sn phm v dch v mi. Bn cnh , vic gia nhp WTO ca nc ta cch y hn 2 nm mang li cho ngnh ngn hng, trong c BIDV, nhng c hi v thch thc to ln. Vi kinh nghim dy dn trn trng quc t, cc ngn hng nc ngoi c u th mng kinh doanh ngoi t v dch v ngn hng bn l. ng thi, tim lc ti chnh ln mnh ca cc ngn hng nc ngoi chnh l mi e da n nhng ngn hng trong nc vn ch c quy m tm va v nh. BIDV hin ang c gng hng n bin php kh thi l b sung thm vn, nhm nng cao h s an ton vn t c v gii quyt bi ton nng lc ti chnh v cht lng dch v theo cc tiu chun quc t.

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Chng III: Gii php hon thin quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam, chi nhnh S Giao Dch 3 H Ni.
I. nh hng pht trin hot ng than ton ti Ngn hng u t v Pht trin Vit Nam 1. nh hng chung ca Ngn hng u t v Pht trin Vit Nam Mc tiu chung: hot ng an ton, qun l c ri ro trong gii hn hp l, pht trin mnh v bn vng, phc v tt cc nhu cu ca khch hng vi a lnh vc - a sn phm - dch v - tin ch c cht lng v ngy cng c i mi, hon thin. M hnh ngn hng: tp on ti chnh - ngn hng c nhiu ngun lc - tim lc, hot ng a quc gia, ng hng u trong nc, tng xng trong khu vc. Xy dng thng hiu: To lp v th hin c thng hiu - hnh nh - v th - bn sc vn ho doanh nghip BIDV trong kinh doanh theo m hnh ngn hng hin i. Cng ngh: Cng ngh l mi nhn, lm bc t ph, to c sc cnh tranh. Nhn lc: L cha kho ca thnh cng, to ngun nhn lc c trnh - kin thc - k nng v kinh nghim c khuyn khch bi h thng ng lc vt cht tinh thn v iu kin lm vic ph hp. Mc tiu kinh doanh ca BIDV l: lun hng ti phc v tt nht (sn phm - dch v - tin ch) cc khch hng hot ng kinh doanh hiu qu, an

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ton, pht trin bn vng chp hnh lut php, minh bch cng t c hiu qu kinh doanh cao. Phng chm hot ng: L ngn hng hin i. Sc mnh l th trng Khch hng l mc tiu Sn phm dch v tt Vn ho l ng lc Cng ngh l ch cht t ph cnh tranh Kim sot tt ri ro An ton l bn vng Qun l phi hin i Ngun nhn lc tn tm. 2. Phng hng hot ng kinh doanh ca S Giao Dch 3 Ngn hng u t v Pht trin Vit Nam Thc hin nh hng pht trin chung cc ngn hng hin i, cng nh nh hng pht trin ca ton h thng, hot ng kinh doanh ca BIDV ang ch trng theo hng m rng pht trin cc hot ng dich v nh trnh by trn. TTQT l hot ng gi vai tr quan trng trong cc hot ng dch v ca BIDV, do BIDV t ra nhng nh hng v l trnh pht trin nht nh. l:

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- Tip tc nng cp ci tin cng ngh p dng phc v nghip v, nng cao mc t ng ha trong x l giao dch. Cung cp dch v ti chnh ngn hng bn bun v bn l ton din, trn gi; m bo tng trng quy m hot ng gn vi nng cao hiu qu, gim thiu ri ro trong hot ng kinh doanh. - i mi cng tc qun tr iu hnh, qun l kinh doanh v m hnh hot ng. Hon thin n chuyn i m hnh t chc theo khuyn ngh ca D n TA2 do Ngn hng Th gii (WB) ti tr to c s cho vic i mi trong vn hnh v qun l. y cng l c s quan trng trong chuyn i cn bn hot ng ca BIDV t phn tn theo chiu ngang sang tp trung theo chiu dc (theo sn phm v khch hng). Trin khai thnh cng c ch qun l vn tp trung, chuyn i thnh cng m hnh t chc qun l hot ng theo h thng - Cng vi h thng BIDV gp phn lnh mnh ha tnh hnh ti chnh, nng cao cht lng dch v TTQT hng ti chun mc quc t, gp phn cng c uy tn, nng lc cnh tranh ca BIDV vi cc ngn hng trong v ngoi nc. Thc hin minh bch ha thng tin ti chnh qun tr hng ti thng l quc t, tip tc thu cng ty thc hin nh hng tn dng. Nm 2008 cng l nm th 13 lin tip BIDV thc hin kim ton theo c IAS v IFRS v cng b cc kt qu kim ton ny ng thi trong bo co thng nin. BIDV cng thu t vn quc t h tr v l ngn hng Vit nam u tin hon thin vic xy dng v p dng h thng nh hng tn dng ni b theo thng l quc t. - N lc gii quyt phn ln n xu cn tn ng t cc nm trc bng cc bin php kt hp v lm sch bng cn i ng thi thc hin trch lp ti a d phng ri ro. Trong nhng nm va qua nh thc hin bin php ny BIDV gim t l n xu xung di 4% theo c tiu chun k ton Vit nam (IAS) v tiu chun bo co ti chnh quc t (IFRS). Ngoi ra,

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vi vic c cp b sung 3.400 t VND vn iu l trong nm 2007, ch s An ton vn ca BIDV t mc > 6,7% theo tiu chun quc t. - Gi vng v m rng th phn TTQT, y mnh v nng cao cng tc qung co, thng tin dch v cung cp ti cc tng lp dn c, doanh nghip trong x hi. Pht trin mng li knh phn phi sn phm, a dng ho lnh vc u t, tng bc gia tng nh hng v gi tr ca S Giao Dch 3 trn th trng ti chnh; tp trung nh hnh v hon thin mng li kinh doanh ngn hng, bo him, ATM, POS, gia tng u t chng khon; y mnh u t cc d n c u th trong cnh tranh sau khi Vit Nam gia nhp WTO cc lnh vc nng lng, h tng k thut, cng bin, bt ng sn; y mnh hot ng bn l. - Nng cao nng lc hi nhp kinh t quc t thng qua vic cng c cc sn phm truyn thng, pht trin cc sn phm mi cung cp cho khch hng nh Factoring, Forfaiting, m rng cc hot ng pht hnh, thanh ton th, sc quc t II. Gii php hon thin quy trnh thanh ton quc t ti S Giao Dch 3 Ngn hng u t v Pht trin Vit Nam 1. o to nghip v cho cn b, m rng phm vi hot ng. Vic ng dng quy trnh TTQT vo hot ng c tc ng ng k, gip S Giao Dch 3 chuyn mn ha nghip v v gim thiu nhng sai st trong hot ng TTQT. Tuy nhin TTQT l nghip v rt phc tp, c phm vi lin quan rng ln n cc nghip v khc nh vn ti, bo him, giao nhn. Do i hi cn b TTQT phi nm vng quy trnh v am hiu cc nghip v lin quan trong giao dch vi khch hng, t c nhng cch x l ph hp trong cc tnh hung khc nhau. Nng cao trnh chuyn mn, ngoi ng, p dng cng ngh thng tin cho cc thanh ton vin; s dng v vn dng tt cng ngh ngn hng hin i. Cn c vo tnh hnh thc t, S

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Giao Dch 3 l mt ngn hng bn bun v ang chuyn dn sang hat ng ca mt ngn hng thng mi. V vy yu cu sp ti ca S Giao Dch 3 l phi tuyn dng thm cn b v nhn vin mi. c kt qu tt, ngay t u cn xc nh chin lc tuyn dng, c trng tm trng im r rng. 2. Ci tin k thut cng ngh. Quy trnh thanh ton quc t l mt trong su quy trnh nghip v chnh c xy dng v cp chng ch h thng qun l cht lng ISO 1990-2000 t nm 2001. Vic BIDV chun ha quy trnh v i mi cc phng thc giao dch vi khch hng s lm gim chi ph v nng cao kh nng cnh tranh, gip gia tng th phn trong iu kin hin nay. 3. n gin ho trong vic thc hin nghip v TTQT ng thi phi hp cht ch vi cc nghip v lin quan nhm nng cao hiu qu hot ng TTQT. m bo tnh php l cho mi giao dch gia S Giao Dch 3 vi khch hng. Mi tha thun u c thc hin bng vn bn chi tit. n gin ha cc khu nghip v, mt khc i vi tng phng thc giao dch cn c quy nh, phng php hp l. Trong cc giao dch vi khch hng mi ri ro u c th xy ra nn mang li hiu qu cao, phng nga ri ro trong nghip v TTQT th S Giao Dch 3 cn ch trng nng cao cng tc thm nh, nh gi i vi khch hng ln. Cng tc ny khng ch dng li ln u tin khch hng ti t quan h vi ngn hng, m cn cn c tin hnh thng xuyn v lin tc trong sut qu trnh ngn hng c quan h vi khch hng. Kim tra nng lc ti chnh ca khch hng, i tng khch hng, nng lc php l, nh gi phm cht o c ca khch hng thng qua nh gi tnh m bo nguyn tc trong quan h vay tr, tnh trung thc trong quan h quc t, tnh nghim tc trong vic chp hnh lut l ca Nh Nc. 4. Gi vng mi quan h vi khch hng.

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Thc hin chnh sch khch hng linh hot khuyn khch khch hng tham gia s dng dch v. Cn c u i ln i vi khch hng giao dch ln v thng xuyn vi S Giao Dch 3. a ra biu ph thch hp thu ht khch hng. Xc tin hot ng t vn cho khch hng trong qu trnh thc hin giao dch. Ngn hng thng qua vic hng dn cc quy trnh, th tc, h s cho khch hng s gip khch hng nm bt nhanh v hiu qu nhng yu cu v th tc php l, t tit khim thi gian v cng sc. Bn cnh , S Giao Dch 3 c th t vn cho khch hng trong vic xem xt tnh hiu qu ca d n, so snh cc ch tiu kinh t vi cc d n cng loi ng thi tnh n cc tc ng ca th trng trong v ngoi nc. iu ny gip DN lm n c hiu qu v m bo kh nng thanh ton cho ngn hng khi n hn. Thng xuyn t chc hi ngh khch hng cng trao i v thng tin th trng khng ch gip khch hng c thm kinh nghim trong TTQT m cn l c hi S Giao Dch 3 duy tr mi quan h thn thit vi khch hng, gia tng uy tn ca ngn hng. 5. Tng cng cng tc kim tra kim sot. Cng tc kim sot phi c thc hin ng nguyn tc, ng quy nh, m bo nguyn tc kim sot c lp. Cn b kim sot khng c php thc hin chc nng ca thanh ton vin. Quy trnh thanh ton quc t c ban hnh quy nh c th cc bc giao dch thc hin nghip v thanh ton quc t, trch nhim ca cc c nhn v b phn tham gia vo hot ng thanh ton quc t, cc chng t cn thit trong tng loi nghip v. Do , cn tun th trnh t tin hnh cc giao dch thanh ton quc t mt cch thng nht trong ton h thng, hn ch n mc ti a cc ri ro c th xy ra trong qu trnh tc nghip.

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Kt lun
S Giao dch 3 BIDV trong thi gian va qua thc hin nhng hot ng i mi cc nghip v thanh ton quc t cho ph hp vi yu cu ca tng thi k, p ng c yu cu ngy cng cao ca khch hng. Vi 50 nm kinh nghim BIDV tr thnh ngi bn tin cy ca cc doanh nghip, h tr c lc cho hot ng kinh doanh ca doanh nghip. Nhiu bin php c trin khai nhm m rng hot ng TTQT, trong c chun ha v ban hnh quy trnh nghip v TTQT. Vi mc ch tm hiu quy trnh TTQT, ti bo co thc tp Thc trng v gii php hon thin quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam chi nhnh S Giao Dch 3 H Ni cp n nhng ni dung gm: Chng I: L lun chung v thanh ton quc t v quy trnh thanh ton quc t ti cc ngn hng. a ra ci nhn tng quan v thanh ton quc t v tnh hnh hot ng cc ngn hng Vit Nam hin nay. Chng II: Thc trng quy trnh thanh ton quc t ti Ngn hng u t v Pht trin Vit Nam. Tm hiu qua vic thc hin quy trnh chun ngn hng t c nhng kt qu g trong kinh doanh v phn tch nhng mt kh khn cn tn ti. Chng III: Gii php hon thin quy trnh thanh ton quc t ti BIDV, chi nhnh S Giao Dch 3 H Ni. T tnh hnh kt qu hot ng kinh doanh v thc tin hot ng ngnh ngn hng, ra mt s gii php khc phc kh khn v pht huy nhng th mnh hin c ca ngn hng, gp phn thc hin thng li mc tiu pht trin bn vng. Bo co xut 5 gii php nhm hon thin hiu qu quy trnh thanh ton quc t, l: - o to nghip v cho cn b, m rng phm vi hot ng

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- Ci tin k thut cng ngh - n gin ho trong vic thc hin nghip v TTQT ng thi phi hp cht ch vi cc nghip v lin quan nhm nng cao hiu qu hot ng TTQT. - Gi vng mi quan h vi khch hng. - Tng cng cng tc kim tra kim sot. Vi s quan tm st sao ca Ban lnh o BIDV, cng s n lc ca ton h thng, hat ng TTQT ca BIDV t c nhng thnh tu ng k. Song, trc nhng thay i lin tc ca h thng lut php, kinh t th cc ngn hng thng mi Vit nam ni chung v BIDV ni ring ang phi i mt vi khng t tr ngi. Thm vo , nh hng t suy thoi kinh t ton cu cui nm va qua lm chm i tin pht trin ca BIDV. khc phc kh khn ny, BIDV a ra mt chin lc chuyn i ton din, ng b m hnh kinh doanh mi hng ti khch hng v qun tr ri ro theo m hnh chun ca mt ngn hng thng mi bn l hin i, hng n hnh nh mt tp on ti chnh ngn hng a s hu, vi s hu Nh nc l ch o; chi phi, kinh doanh a lnh vc. Vic nh gi v mt ngn hng c lch s b th v c s vt cht hng mnh nh BIDV trong khun kh mt bo co thc tp cha th y v su sc nh mong mun. Tuy nhin ngi vit hy vng rng nhng gii php c nu trong bo co s gp phn hon thin hn na quy trnh thanh ton quc t ca S Giao Dch 3 ni ring v ca BIDV ni chung.

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Ti liu tham kho

[1] GS. NGT. inh Xun Trnh (Ch bin) Gio trnh thanh ton quc t, i hc Ngoi Thng, NXB Lao ng X Hi 2006. [2] ICC Phng Thng Mi Quc T B Tp Qun Quc T v L/C, ngi dch GS. NGT. inh Xun Trnh, hiu nh TS. NGT. Nguyn c D, NXB i hc Kinh T Quc Dn 2007. [3] PGS. TS. Hong Vn Chu & Th.S. T Bnh Minh Cc iu kin thng mi Quc T, NXB Khoa hc K thut 2004. [4] Ti liu quy trnh thanh ton quc t, Ngn hng u t v Pht trin Vit Nam. [5] Bo co hot ng kinh doanh nm 2007, 2008 ca s giao dch 3 Ngn hng u t v Pht trin Vit Nam. [6] Thun An, n thanh ton khng dng tin mt khi ng trn quy m ln. Thi bo Ngn hng Nh nc Vit Nam, ngy 21/8/2006 [7] Gim thanh ton tin mt bng cch no. Thi bo kinh t Si Gn ngy 23/5/2006 [8] ATM lu ng ln u tin c mt ti Vit Nam, tin tc ng Bank ngy 15/1/2009 [9] Nam Phng, Tng ti sn BIDV tng 15,1% trong 9 thng u nm 2008, Din n doanh nghip Vit Nam, ngy 10/10/2008 [10] Wikipedia, Khi nim thanh ton quc t http://vi.wikipedia.org/wiki/Thanh_to%C3%A1n_qu%E1%BB%91c_t %E1%BA%BF

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[11] http://bidv.com.vn/News_Detail.asp?News=2757 [12] http://www.bsc.com.vn/Introduction.aspx [13] http://www.bic.vn/front-end/index.asp? website_id=39&menu_id=562&parent_menu_id=562&article_id=12611&fus eaction=DISPLAY_SINGLE_ARTICLE [14] BIDV - 10 thnh tu tiu biu nm 2008, Hip hi Ngn hng Vit Nam http://www.vnba.org.vn/index.php? option=com_content&task=view&id=5661&Itemid=39

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