KHI NIM

Chng 2 Phng tin thanh ton (payment instrument) l cng

c c s dng trong vic chi tr tin ln cho nhau

CC PHNG TIN Cc phng tin thanh ton ang c s dng:

Tin mt (s dng ch yu trong thanh ton ni a)
THANH TON QUC T Hi phiu (s dng ph bin trong thanh ton ngoi
thng)
K phiu
Sec
Th ngn hng

HI PHIU THNG MI HI PHIU THNG MI

(Bill of Exchange/ Draft) (Bill of Exchange/ Draft)

QU TRNH HNH THNH V PHT TRIN

C s kinh t u tin ca hi phiu l hnh thc tn dng thng

mi nhm p ng nhu cu mua bn chu hng ha gia cc bn
tham gia.
HP dn han thin v hnh thc v ni dung, thot ly khi c s
kinh t ban u: sau khi c k pht, hi phiu tr thnh mt loi
giy t c gi c lp han ton vi giao dch kinh t sn sinh ra n.
HP c s dng trong quan h tn dng thng mi, tn dng
ngn hng, chit khu, cm c, th chp, l phng tin thanh ton
trong cc giao dch khc, l hng ha mua bn trn th trng
tin t.

HI PHIU THNG MI
(Bill of Exchange/ Draft) NI DUNG ULB
QU TRNH HNH THNH V PHT TRIN
1930: Cng c Geneve 1930 v Lut hi phiu thng nht c ph Gm 9 chng, 78 iu
chun (Uniform Law for Bills of Exchange Geneve Convention 1930), c Cc ni dung ch yu:
hiu lc ti cc nc Chu u (ngoi tr Anh).
Pht hnh v hnh thc hi phiu
H thng Lut cc nc thuc khi Anglo saxon da trn c s lut Hi K hu hi phiu
phiu ca Anh quc (Bill of Exchange Act 1882)
Chp nhn hi phiu
Lut thng mi thng nht 1962 ca M (Uniform Commercial Codes of
Bo lnh hi phiu
1962)
Thi hn thanh ton hi phiu
Nm 1982, y ban Lut thng mi quc t ca Lin hp quc ban
hnh vn kin v Hi phiu v k phiu quc t - International Bills of Thanh ton hi phiu
Exchange and Promissory Notes. Truy i khng chp nhn hoc khng thanh ton hi phiu
Vit Nam: php lnh v thng phiu (da trn nn tng cng c Cc bn ca mt b, cc bn copy ca hi phiu
Geneve 1930) c hiu lc t ngy 01/07/2000 - Lut cc cng c chuyn
nhng, c hiu lc t 01/07/2006

1
 HI PHIU THNG MI HI PHIU THNG MI
(Bill of Exchange/ Draft) (Bill of Exchange/ Draft)
KHI NIM
Theo iu 4, Lut cc cng c chuyn
Hi phiu l mt t mnh lnh yu cu tr tin v iu kin, do mt nhng ca Vit Nam:
ngi k pht cho ngi khc, yu cu ngi ny:
Hi phiu l giy t c gi do ngi k
Hoc khi nhn thy phiu
pht lp, yu cu ngi b k pht thanh
Hoc ti mt ngy c th trong tng lai
ton khng iu kin mt s tin xc nh
Hoc ti mt ngy c th xc nh trong tng lai khi c yu cu hoc vo mt thi gian
Phi tr mt s tin nht nh cho mt ngi no , hoc theo nht nh trong tng lai cho ngi th
lnh ca ngi ny tr cho ngi khc, hoc tr cho ngi cm phiu hng

HI PHIU THNG MI
HI PHIU THNG MI (Bill of Exchange/ Draft)
(Bill of Exchange/ Draft)
4. Ngi cm phiu (holder/bearer): ngi th hng
CC BN THAM GIA HP ch danh: l ngi hng li ghi trn mt trc ca hi phiu
HP v danh: ngi no cm phiu s u tr thnh ngi hng li
1. Ngi k pht/ngi pht hnh (drawer): ngi lp v k pht hnh
hi phiu HP theo lnh: ngi cm phiu l ngi hng li cui cng ca HP
Ngi bn Mi trng hp: ngi k pht l ngi th hng
2. Ngi b k pht/ngi tr tin (drawee): ngi c trch nhim thanh 5. Ngi chp nhn (acceptor)
ton s tin ghi trn hi phiu 6. Ngi chuyn nhng (endorser/assignor)
Ngi mua 7. Ngi bo lnh (avaliseur): bt c ngi no k tn vo hi phiu, ngoi
Bn th 3 c ch nh (NH xc nhn, NH pht hnh L/C,) tr ngi k pht v ngi b k pht.
3. Ngi hng li (beneficiary): ngi c quyn c nhn thanh ton Trch nhim: thanh ton hi phiu cho ngi hng li, nu hi phiu
s tin ghi trn hi phiu n hn m khng c ngi chp nhn thanh ton
Ngi k pht Quyn: truy i bt k ngi no k tn vo hi phiu, k c ngi
k pht.
Bn th 3 c ch nh

HI PHIU THNG MI
HI PHIU THNG MI
(Bill of Exchange/ Draft)
(Bill of Exchange/ Draft)
BILL OF EXCHANGE (1)
No:
CC C IM CA HI PHIU
For: Hanoi,(7).

1.Tnh tru tng ca hi phiu (tnh c lp At(4).sight of this first Bill of Exchange (second of the same tenor
and date being unpaid)
ca khon n ghi trn hi phiu)
Pay to the order of(6)..the sum of(2).
2.Tnh bt buc tr tin ca hi phiu Value received as per our invoice(s) No.dated..
Drawn under.
3.Tnh lu thng ca hi phiu Confirmed / irrevocable / without recourse L/C No
Dated/Wired...

TO:(3)(5) Name and address of Drawer

(signature) (8)

2
 Lu HI PHIU THNG MI
(khi thnh lp HP trn mu in sn) (Bill of Exchange/ Draft)
NHNG NI DUNG BT BUC CA HI PHIU
Vic in ni dung thc hin bng nh my hoc
vit tay, bng mc ko phai, ko dng mc 1. Phi c ch HI PHIU ghi trn chng t (theo ULB)

Ngn ng in vo ch trng phi thng nht vi 2. Lnh thanh ton hoc chp nhn thanh ton v iu kin mt
s tin nht nh
ngn ng ca mu in sn (ngoi tr tn cc bn,
3. Tn v a ch ca ngi b k pht
a danh ko th phin m hay phin dch c)
4. Thi hn thanh ton hi phiu
/v HP tr chm, v tr dnh thc hin th tc 5. a im thanh ton
chp nhn thng gc tri, b mt trc ca 6. Tn v a ch ca ngi hng li
HP. 7. Ngy thng v ni pht hnh hi phiu
8. Tn, a ch v ch k ca ngi k pht hi phiu

2. Lnh thanh ton / chp nhn thanh ton

1.Phi c ch HI PHIU ghi trn
v iu kin mt s tin nht nh
mt trc chng t (theo ULB)
Mnh lnh i tin
Phi ghi cng bng th ting lp hi phiu
Quy nh nhm phn bit v mt hnh thc mt chng t c l V iu kin:
hi phiu hay khng i vi ngi k pht: khi a ra lnh thanh
Ch : ton, khng km theo bt k iu kin, l do g.
Theo BEA v UCC, ko nht thit phi ghi tiu HI PHIU i vi ngi b k pht: ch c 2 la chn
thanh ton/chp nhn hoc t chi thanh
ton/chp nhn m khng a ra bt c l do g .

2. Lnh thanh ton / chp nhn thanh ton

v iu kin mt s tin nht nh 3. Tn v a ch ngi b k pht
S tin nht nh: s tin c quy nh c th trn HP Gip ngi th hng xc nh cn phi xut trnh
ULB ko cho php ghi t sut li tc. Nh vy, ngi k pht cn hi phiu cho ai c thanh ton/chp nhn
tnh ra s tin li phi tr, cng vi s tin tr chm, thnh s
tin nht nh ghi trong HP. Ngi b k pht l ngi nhp khu (phng thc
/v HP tr ngay khi nhn thy hoc sau khi nhn thy mt thi nh thu); l ngn hng m L/C (phng thc tn
gian nht nh, ULB cho php ghi km theo s tin nht nh dng chng t)
mt mc li sut (nu c) v ngi k pht ko th xc nh chnh
xc thi gian HP n tay ngi tr tin. Quyn li v ngha v ca ngi b k pht hi phiu
S tin ghi trn HP:
Nu s tin bng ch v s tin bng s ko khp nhau, s tin
thanh ton cn c vo s tin ghi bng ch.
Nu s tin cng ghi bng ch hoc cng bng s nhng khng
khp nhau th s tin nh hn l c s thanh ton.

3
4. Thi hn thanh ton hi phiu
5. a im thanh ton
Thanh ton ngay khi nhn thy/khi xut trnh (payable at
sight / payable on demand / payable on presentment):
AT SIGHT Nu ko c quy nh khc, a ch
Thanh ton ti mt thi im nht nh sau khi nhn thy ca ngi b k pht c xem l
AT X DAYS AFTER SIGHT a im thanh ton ca hi
Thanh ton ti mt thi im nht nh sau ngy k pht phiu
AT X DAYS AFTER DATE
Thanh ton ti mt thi im nht nh sau ngy vn n
Hin nay, thng chn ngn
AT X DAYS AFTER BILL OF LADING DATE
hng ni ngi b k pht m ti
Thanh ton ti mt ngy nht nh trong tng lai khon giao dch lm a im
ON thanh ton (trn hi phiu s ghi
Ch : thi hn xut trnh thanh ton c s ti khon ca ngi b k
trong vng 1 nm (ULB 1930) pht)
90 ngy (Lut cc cng c chuyn nhng ca VN)

6. Tn v a ch ngi th hng
Ngi th hng chnh l ngi k pht: 7. Ngy thng v ni pht hnh hi phiu
thanh ton cho ti (cng ty) s tin
Ngi th hng ch danh khc:
thanh ton cho ng/bs tin Lut php ca ni pht hnh s iu chnh hi phiu.
Chuyn nhng: bng hnh thc k hu (ULB) Nu trn hi phiu khng ghi r a im pht
Ngi th hng theo lnh: hnh, th a ch ghi bn cnh ngi pht hnh
thanh ton theo lnh ca ng/bs tin c xem l ni pht hnh hi phiu.
Chuyn nhng: bng hnh thc k hu Nu ko ghi c a ch ngi pht hnh th hi phiu
Ngi th hng l ngi cm phiu (BEA v UCC v gi tr.
cho php):
thanh ton cho ngi cm phiu hoc trng
Hi phiu khng ghi ngy thng cng v gi tr v khng
xc nh c chnh xc thi hn thanh ton, thi hn
Chuyn nhng: bng hnh thc trao tay
xut trnh HP.
Trong hot ng ngoi thng, ngi th hng hi phiu
thng c quy nh l ngn hng phc v nh xut khu theo
lut qun l ngoi hi

8. Tn, a ch, ch k ca ngi k pht

hi phiu Mt s ni dung khc

Ch nhng ngi c thm quyn mi c S bn ca HP:

php k tn vi t cch ngi k pht HP
Ch k phi c k bng tay HP c th c k pht thnh nhiu bn, c gi tr
php l nh nhau.
Khng c ng du ln ch k
Ngi k pht chu trch nhim thanh ton Mi bn HP c nh s th t 1,2,3 v ghi ch .
cui cng cho nhng ngi hng li HP Cch nh s nh vy ch c ngha ghi nh, ko
phn bit bn chnh, bn ph.

4
 Mt s ni dung khc HI PHIU THNG MI
(Bill of Exchange/ Draft)
Value received as per our invoice(s)
No.dated. PHN LOI HI PHIU
Drawn under..
Cn c phn loi Cc loi hi phiu
Confirmed / irrevocable / without recourse L/C No
Thi hn thanh ton HP tr tin ngay (at sight bill)
Dated/Wired
HP c k hn (usance/time bill)

Chng t km theo HP trn (clean bill)

Ni dung ny ko bt buc phi th hin HP km chng t

(documentary bill)
Ch l thng tin c tnh cht tham chiu v hng dn
Tnh chuyn nhng HP ch danh (nominal bill)
Ko phi l cn c tr tin hoc t chi HP
HP v danh (bearer bill)

HP theo lnh

HI PHIU THNG MI HI PHIU NGN HNG

(Bill of Exchange/ Draft) (BANK DRAFT)
PHN LOI HI PHIU Hi phiu ngn hng thc cht l mt tm sec do mt
ngn hng k pht hnh, ra lnh cho mt ngn hng i
Cn c phn loi Cc loi hi phiu l thanh ton mt s tin nht nh cho ngi hng li
c ch nh.
Ngi k pht HP thng mi (trade bill)
Nu chuyn tin bng VND, ngn hng nc ngoi phi
HP ngn hng (bank bill)
m ti khan bng VND ti ngn hng Vit Nam; Hi
Loi tin ghi trn HP HP ni t phiu c k pht ghi C ti khon VOSTRO.
HP ngoi t Nu chuyn tin bng ngoi t, ngn hng Vit Nam
Trng thi chp nhn HP cha c k chp nhn phi m ti khan v duy tr s d bng ngoi t pht
hnh sec; hi phiu c k pht ghi N ti khon
HP c k chp nhn
NOSTRO.

HI PHIU NGN HNG HI PHIU NGN HNG

Nu khch hng chuyn tin bng VND: Nu khch hng chuyn tin bng ngoi t:

Ngn hng trong nc (vd VCB) ghi N ti khan khch
hng bng VND
VCB pht hnh cho khch hng t sec bng VND tng
ng.
Khch hng VN dng t sc ny thanh ton cho
ngi th hng nc ngoi
Ngi th hng xut trnh t sc cho ngn hng phc
v mnh ( nc ngoi)
Ngn hng nc ngoi chuyn t sec n VCB c
ghi C vo ti khon VOSTRO
Khi c bo C, ngn hng nc ngoi tin hnh ghi
C cho ngi th hng s tin tng ng.
Ngn hng trong nc (vd VCB) ghi N ti khan khch
hng bng ngoi t hoc VND tng ng
VCB pht hnh cho khch hng t sec bng ngoi t
tng ng.
Khch hng VN dng t sc ny thanh ton cho
ngi th hng nc ngoi
Ngi th hng xut trnh t sc cho ngn hng phc
v mnh ( nc ngoi)
Ngn hng nc ngoi ghi N ti khon NOSTRO v
ghi C cho ngi th hng
Ngn hng nc ngoi gi giy bo N n VCB

5
 Bt li khi thanh ton bng HP ngn hng
Ngi chuyn tin phi ghi N ngay thi im t sec
c pht hnh, trong khi vic ghi C cho ngi th
hng phi ch mt mt thi gian nht nh.
Nu ngi th hng khng c ti khon ti ngn
hng tr tin, vic x l t sec s phc tp hn.
T sec c th b tht lc hoc b nh cp v c th b
li dng
Mt s quc gia p dng lut qun l ngoi hi cm
s dng sec chuyn tin ra nc ngoi
Cc ngn hng p dng mc ph cao trong x l sec
Phn bit mt s thut ng
Ngy chp nhn (Date of acceptance):
Ngy m ngi b k pht nhn c HP v lm th tc
chp nhn trn HP .
Ngy tr tin HP (Date of payment):
Ngy m ngi b k pht phi thc hin ngha v thanh
ton cho ngi th hng.
Ngy xut trnh HP (date of presentment):
Ngy m ngi th hng cui cng ca HP phi
chuyn HP n ngi b k pht (trong phm vi 1 nm
k t ngy k pht HP - ULB). Nu qu ngy m HP
ko c xut trnh, HP s ko cn gi tr.
2. Chp nhn hi phiu (acceptance)
Cn thit i vi hi phiu c k hn
Xut trnh HP chp nhn: trc tip hoc gi th bo m
Chp nhn HP l hnh vi ca ngi b k pht cam kt thanh ton
HP khi n hn.
Chp nhn thng mi trade acceptance
Chp nhn ngn hng bank acceptance
Hnh thc chp nhn:
Chp nhn phi c vit trn mt trc t hi phiu, c th
hin bng t chp nhn v c k bi ngi b k pht
Chp nhn bng vn th, in thng bo
Chp nhn l v iu kin (ULB)
Chp nhn mt phn tin ghi trn hi phiu (ULB)
i vi hi phiu c k hn sau X ngy k t ngy nhn thy (ngy
chp nhn hi phiu), phi ghi r ngy thng k chp nhn
HI PHIU THNG MI
(Bill of Exchange/ Draft)
CC NGHIP V LIN QUAN N HI PHIU
1. Pht hnh hi phiu
2. Chp nhn hi phiu
3. K hu hi phiu
4. Bo lnh hi phiu
5. Cm c v nh thu HP
6. Khng ngh khng tr tin
7. Gii tri
1. Pht hnh hi phiu
Sau khi giao hng, nh xut khu lp b chng t
thanh ton, bao gm c hi phiu.
Ngi k pht: nh xut khu
Ngi tr tin: nh nhp khu (phng thc nh thu)
hoc ngn hng ca nh nhp khu (ngn hng pht
hnh L/C)
Ngi k pht phi m bo cho hi phiu tun th
cht ch v mt hnh thc v ni dung.
Ngi k pht khng c min tr ngha v thanh
ton hi phiu khi ngi tr tin t chi thanh ton.
3. K hu hi phiu (endorsement)
ngha ca hnh vi k hu
Tha nhn quyn hng li HP /v mt ngi khc
Vic k hu mang tnh tru tng v v iu kin (ko
cn nu l do k hu, ko cn bo cho ngi tr tin bit)
Xc nh trch nhim ca ngi k hu v vic tr tin
HP /v nhng ngi hng li k tip.
Cc loi k hu:
K hu trng (Blank Endorsement)
K hu theo lnh (To order Endorsement)
K hu hn ch (Restrictive Endorsement)
K hu min truy i (Without recourse Endorsement)
6
 3. K hu hi phiu (endorsement)
HP ch danh, theo lnh hay trng u c th chuyn
nhng c theo th tc k hu, tr trng hp HP c
iu khon quy nh cm chuyn nhng (not to order) -
ULB.
Khi mun chuyn nhng, ngi cm phiu phi k vo
mt sau (k hu) ca t hi phiu, ri chuyn hi phiu
cho ngi c chuyn nhng
Chuyn nhng HP cho 2 ngi tr ln?
Chuyn nhng mt phn s tin ghi trn HP?
4. Bo lnh hi phiu - Aval
L s cam kt ca ngi th ba, thng l ngn
hng ln c uy tn, v vic thanh ton hi phiu
khi n hn cho ngi th hng.
Bo lnh phi ghi r l cho ngi no hng, nu
ko, ngi k pht s l ngi hng bo lnh
Cch thc hin: ghi bo lnh/aval ngay trn t
hi phiu v k tn hoc bo lnh bng mt vn
th ring (bo lnh mt)

6. Khng ngh khng tr tin

5. Cm c v nh thu HP (Protest for Non-payment)

Ngi th hng c quyn cm c HP ti cc Khi hi phiu b t chi tr tin, ngi hng li c quyn khng
ngh ngi tr tin trc php lut.
t chc tn dng vay vn.
Ngi hng li lp n khng ngh trong thi hn php lut
Trng hp ngi cm c hon thnh ngha v cho php (thng l trong vng 2 ngy lm vic k t ngy hi
c m bo bng cm c HP phiu n hn thanh ton)

Trng hp ngi cm c khng hon thnh ngha
v c m bo bng cm c HP
Ngi th hng c th chuyn giao HP cho
ngi thu h nh thu s tin ghi trn HP
km theo ch th nh thu
n khng ngh phi sao nguyn vn t HP, cng cc yu t
nh chp nhn, k hu, bo lnh, l do t chi tr tin
Sau khi lp xong n khng ngh, ngi b t chi thanh ton
phi thng bo bng vn bn cho mt trong nhng ngi
chuyn nhng trc i tin.
Nu ko c bn khng ngh, ngoi tr ngi k pht, nhng
ngi c chuyn nhng s c min trch nhim tr tin.

7. Gii tri - Discharge S qu trnh lu thng hi phiu

Ngi k pht HP (3) Ngi hng li

HP c ngi b k pht thanh ton y v ng hn
(Drawer) (Beneficiary)
xem nh l gii tri (tr xong n theo quy nh)
(4)
Cc trng hp sau cng c coi l gii tri: (1)
(2) Ngi c
Ngi chp nhn l ngi cm phiu khi n hn chuyn nhng
Hi phiu ht hiu lc php l do qu thi hn theo lut nh th 1
Ngi cm phiu tuyn b bng vn bn t b quyn li v (5)
hi phiu v tuyn b hy b hi phiu. (6) Ngi c
Ngi tr tin HP
Ngi b k pht thanh ton HP trc khi n hn (Drawee) chuyn nhng
th 2, 3,

7
K PHIU K PHIU
(Promissory Note) (Promissory Note)
K phiu l mt cam kt tr tin v iu kin do ngi lp phiu k pht
ha tr mt s tin nht nh cho mt ngi khc, hoc tr theo lnh
ca ngi ny hoc tr cho ngi cm phiu.
K phiu (hi phiu nhn n): con n t lp v k pht hnh hi phiu
nhn n vi ch n.
V quy tc lu thng, hi phiu v k phiu ging nhau. Cc iu lut
dng iu chnh hi phiu cng c p dng tng t cho mt k
phiu.
So vi hi phiu, k phiu t c s dng trong thng mi quc t
hn.

K PHIU
Promissory Note
(Promissory Note) London, 14th May 2000
Mt s c im ca k phiu GBP 560.00
On the 14th August 2000 fixed by the Promissory
K hn c quy nh r trn k phiu note, we promise to pay ABC company or order
Mt k phiu c th do mt hay nhiu ngi k pht
in Hanoi, Vietnam the sum of five hundred and
cam kt thanh ton cho mt hay nhiu ngi sixty pounds.
hng li For and on behalf of
Thng thng, k phiu c s bo lnh ca ngn XYZ Co,
hng nhm m bo kh nng thanh ton. (Signed)
K phiu ch c 1 bn chnh do con n pht ra
chuyn cho ngi hng li
K chp nhn k phiu?

K PHIU SEC
(Promissory Note) (Cheque, check)
Nhng ni dung ch yu:
Tiu K PHIU
Cam kt tr tin v iu kin, mt s tin nht nh
Thi hn tr tin
a im tr tin
Ngi th hng
a im v ngy k pht
Ch k ca ngi k pht

8
 SEC
NI DUNG CA ULC (Cheque, check)
Sec l mt t mnh lnh v iu kin do mt ngi (ch ti
Gm 10 chng, 57 iu
khon) ra lnh cho ngn hng trch t ti khon ca mnh mt
Cc ni dung ch yu: s tin nht nh tr cho ngi c ch nh trn t sec,
Pht hnh v hnh thc ca mt t sec hoc tr theo lnh ca ngi ny, hoc tr cho ngi cm
Chuyn nhng sec sc.
Bo lnh pht hnh sec Theo Lut cc cng c chuyn nhng:
Xut trnh v thanh ton sec Sec l giy t c gi do ngi k pht lp, ra lnh cho ngi
Sec gch cho b k pht l ngn hng hoc t chc cung ng dch v thanh
Truy i khng thanh ton ton c php ca NHNN Vit Nam trch mt s tin nht
Cc phn ca mt b nh t ti khon ca mnh thanh ton cho ngi th
hng

SEC SEC
(Cheque, check) (Cheque, check)
Nhng ni dung bt buc ca t sec
Sec thng c ngn hng in sn theo mu Tiu Sc
Gm 2 mt: Lnh tr tin v iu kin mt s tin nht nh
mt trc in sn tiu in cc yu t bt buc Ngi tr tin: l ngn hng gi ti khon pht hnh sec
ca t sc ca khch hng
mt sau ghi cc ni dung v chuyn nhng Ni tr tin
Ngy thng v ni pht hnh sec
Tn, a ch, s hiu ti khon v ch k ca ngi pht
hnh sec

iu kin thnh lp v thanh ton sec Thi hn xut trnh v thi hn hiu lc

Sc phi c tin bo chng Thi hn xut trnh Thi hn hiu lc

Ti thi im pht hnh ULC 8 ngy (sec lu thng 1 nm
Ti thi im thanh ton trong phm vi quc gia) k t ngy k pht
20 ngy (sec lu thng
in vo ch trng ca t sec nhng ni dung thch hp
gia cc nc cng lc a)
m bo thi hn xut trnh v thi hn hiu lc ca sc: 70 ngy (sec lu thng

Thi hn xut trnh: khong thi gian t sc phi c np gia cc nc khc lc a)

vo NH. Trong thi hn xut trnh ny, ngi k pht phi
m bo ti khon s d thanh ton. Lut cc cng 30 ngy t ngy k pht 6 thng
c chuyn k t ngy k pht
Thi hn hiu lc: thi hn t sc c gi tr
nhng Vit
Trng hp: t sc c np vo NH qu thi hn xut Nam
trnh nhng cn trong thi hn hiu lc?

9
SEC
(Cheque, check)
Cc loi sec thng dng
Sec ch danh (Nominal Check)
Sec v danh (Bearer Check)
Sec theo lnh (To order Check)
Sec gch cho (Crossed Check)
Sec du lch (Travellers Check)
Sec bo chi (Certified Check)
Sec chuyn khon (Transfer Check)
Sec tin mt (Cash Check)
Cc bn lin quan
Ngi k pht (Drawer): l ngi phi tr tin cho
ngi th hng c tn trn t sc.
Ngi th hng (Beneficiary): ngi c nhn
s tin trn t sc.
Ngn hng thu h (Collecting Bank): Ngn hng
phc v ngi th hng. C trch nhim chuyn
sc cho NH thanh ton thu h tin cho ngi th
hng.
Ngn hng thanh ton (Paying Bank): ngn hng
nm gi ti khon tin gi thanh ton sc ca ngi
k pht sc.

S thanh ton sec TH NGN HNG

(5)
Ngn hng thanh ton Ngn hng thu h Th ngn hng l phng tin thanh ton khng
(3) dng tin mt
(4) (2) (6)
Th ngn hng l cng c thanh ton do ngn hng
pht hnh cp cho khch hng s dng
Ngi mua Ngi bn thanh ton hng ha, dch v
(1) - ngi th hng rt tin mt trong phm vi s d tin gi ca mnh hoc hn
- Ngi k pht
mc tn dng c cp
thc hin cc dch v thng qua h thng giao dch t ng

TH NGN HNG
TH NGN HNG
Th tn dng (Credit Card)
Cc loi th chnh c s dng ph bin gm: Cho php ngi s dng chi
tiu trc, tr tin sau
Th tn dng
Mi khch hng c hn mc tn
Th thanh ton dng khc nhau
Th ATM Mi t chc cung cp th cho
php mt khang thi gian
Th ghi n khc nhau t khi th c s
dng thanh ton hng ha
dch v n lc ch th phi
tin cho ngn hng

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 TH NGN HNG
Th thanh ton (Charge Card)
Khch hng c hng mt
hn mc tn dng rt cao
Ch th phi thanh ton ton b
s tin pht sinh cho ngn hng
vo ngy n hn
TH NGN HNG
Th ATM
Hnh thc pht trin u tin ca th
ghi n
Ch th c th thc hin nhiu giao
dch khc nhau ti my rt tin t
ng ATM
Ch th c th tip cn ti khon c
nhn ca mnh mi ni, mi lc
Hai h thng ATM ln nht th gii l
CIRRUS (MasterCard) v PLUS (Visa)

TH NGN HNG TH NGN HNG

Th ghi n (Debit Card)

Th ghi n cho php khch hng

CNG NGH TH NGN HNG
tip cn vi s d trong ti khon
ca mnh qua h thng kt ni
Th khc ch ni (Embossing Card)
trc tuyn thanh ton hng
ha, dch v ti cc n v chp Th bng t (Magnetic Strip Card)
nhn th hoc thc hin cc giao
dch lin quan ti ti khon ti Th thng minh (Smart Card)
my rt tin t ng ATM Th tng hp
Mc chi tiu ca ch th ch ph
thuc vo s d trong ti khon

Quy trnh thanh ton th

TH NGN HNG
Trung tm th

CC BN THAM GIA HOT NG TH 7 6

8 9

T chc th quc t NH pht hnh th NH thanh ton th

Ngn hng pht hnh

1 2 10 4 5
Ch th
Ngn hng thanh ton 3
Ch th n v chp nhn th
n v chp nhn th

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Th phn pht hnh th 2004 Th phn th Visa

My (47%)
Visa (48%) Anh (12%)

MastersCard (27%) Phap (7%)

Han Quoc (5%)
Amex (13)
Nhat (4%)
Diners Club (8%)
Canada (4%)
JCB (5%) Khac (21%)

Ngun: Website of Nilson Report - 2005

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