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I. Mt s thut ngtrong phng thc NHTHU (Collection of payment) vTN DNG CHNG T(Documentary credit)

1. Tn gi cc ch th

Trong Ngoi thng Trong Nhthu Trong L/CTing Anh Ting Vit Ting Anh Ting Vit Ting Anh Ting Vit

Exporter Ngi XK Principal Ngi ythc thu

Beneficiary Ngi thhng

Importer Ngi NK Drawee Ngi trtin

Applicant Ngi yucu mL/C

ExportersBank

NH phc vnh XK

Remitting

Bank

NH nhthu AdvisingBank

NH thng

bo

ImportersBank

NH phc vnh NK

Collecting

Bank

NH thu h Issuing Bank NH pht hnh

Ngoi ra cn mt s tn gi khc nhau c s dng trong phng thc Nhthu v L/C.Chi tit xem mc 6.2, chng 5 tng quan v thanh ton quc t trang 278, 279, schGio trnh thanh ton quc t v ti trNT_GS.TS Nguyn Vn Tin. NXB Thng K.

2. Cc iu kin trao chng t(iu kin thanh ton)Hnh thc thanh ton Trong Nhthu Trong L/C

Thanh ton ngay D/P= Documents against Payment Sight payment

Chp nhn hi phiu(tr tin 1 ln khi nhn)

D/A=Documents againstAcceptance

Draft acceptance

Cam kt tr chm (thanhton dn dn)

D/D=DeferreD paymentHoc:-Letters of undertaking to pay

-Debt schedule

-Installment payments

D/D=DeferreD payment

c NH bo lnhthanh ton

Bank undertakings ( AVAL) Bank confirmation

3. Phn loiNhthu L/C

Clean Collection (Nhthu phiu trn) Purchase of draftDocumentary Collection(Nhthu km Ct)- Chkm CT thng mi- CT thng mi v CT ti chnh

- Purchase of Documents- Purchase of Draft and documents

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II. Tng hp hi_p v NHTHU (ngy 21/10/2011)STT Ngun dn Hi p

1 T.286(SGT)

PT ghi s

Gii thchcu ch mTK n

bin, khng mTK song bin.Nu ngi NK mTK ghi thTK ny ch l TK theo di, koc hiu lc quyt ton

- Thc cht, ghi s lphng thc

thanh ton ncn kht li. Vic mTK n bin hay song bin ty thucvo tha thun gia 2 bn. Quantrong nht vn l cn c nhn n.- Trn thc t vic mTK song binrt phc tp nn thng ch p dnghnh thc mTK n bin.

2 T.303(SGT)T.317(SGT)

MQH giangi ythc/NHNT

-Nu NHNT c hnh ngkhc vi cc ch thdo ngi ythc a ra, phi chu trchnhim bi thng cho ngi ythc, nu c.-Cc NH khng chu trchnhim v bt k s chm tr haytht lc chng tnoHi: 2 cu trn c mu thun?

Nu s chm tr hay tht lc CTl do NHNT c hnh ng khcvi ch th th NHTN c phi bithng?

Ni dung 2 cu trch dn khng muthun.C th:- Nu NHNT lm ng cc ch thth bt k hu qu no trong nhthul khch quan v bt kh khng thNH lun c min trch.- Nu NHNT c hnh ng khc vich th ca ngi y thc (nguyn

nhn ch quan) th NHNT phi chutrch nhim bi thng

3 T.396(SH)URC 5225, khon c:(Hnh thc

xut trnh)

Trkhi c quy nh khc, CTphi c xut trnh cho ngitr tin theo ng thc trng nhkhi nhn c, ngoi tr NHc quyn dn thm tem cnthit vi CP thuc v bn giCT nHi: CP nu trn l nhng CPno? Vic dn thm tem cthc thc hin nh th no?

-Vic dn tem c thc hintng tnh hnh thc ng dubu in vi chi tit ngy thng gihng.

-CP pht sinh gm ton b CP linquan n hnh vi dn tem.

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4 T 302-304

(SGT)

MQH giacc bn

trong Nhthu

-Trong phng thc Nhthu,ngi y thc c phi chnhNHTH ko?

- trng hp c NHXT, thNHXT do ngi y thc hayNHTH chnh

-Mi thng tin trong lnh nhthuu xut pht tn nhthu datrn tha thun gia ngi XK vNK (th hin trong hp ng ngoithng). Tr khi c mc trng,NH mi c thin b sung-V nguyn tc, ngi y thc cquyn chnh cc ngn hng thamgia vo nhthu. Nh vy mi ch thu xut pht tngi y thc.

5 T.317(SGT)

Ri ro vmqh giacc bn

Nu NHTH sai st trong victhc hin lnh nhthu, th huqu pht sinh do nh XK chu,thm ch ngay ctrong trnghp nh XK khng lin quann vic chnh NHTHHi: Sai st trn c c hiu llm khng ng ch th cangi y thc khng? Ti saongi y thc phi chu hu qu

do sai st trn?

-Trong n nhthu, ngi y thc

c ngha v phi chnh NHTH,nu khng th NHNT s chnh,khng cn hi kin ngi y thcv khng chu trch nhim v sai stca NHTH.-NHNT s chng vai tr i dincho ngi y thc trong vic i bithng t pha NHTH khi NHTH csai st trong thc hin nhthu.Do trong trng hp ny, mihu qu s do nh XK chu ngay ckhi NHTH do NHNT chnh.

6 MQH gianh bo lnhv nh NK

Trong phng thc nhthu: nhNK phi thanh ton hoc chpnhn TT th mi nhn c bchng tHi: khi c bn thba ng rabo lnh 1 phn hoc ton b

cho nh NK th nh NK c cnhn b chng t khng?

C

Khi c bn thba ng ra bo lnhcho nh NK , ngi bo lnh cghi r trong lnh nhthu, do nhNK vn c nhn chng tily hng

Trng hp bo lnh 1 phn, th stin cn li nh NK phi TT xong,sau mi c nhn b chng tBn bo lnh: l nhng ngi c uytn, trong TTQT thng l ngnhng.

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7 T 391(SHD)

K.c, .1,URC522

MQH nh

XK viNHTH

Nu 1 NH quyt nh(v bt kl do g) khng x l NT hocbt k ch th no c lin quanm n nhn c th phi thngbo khng chm tr cho bn mt nhn c nhthu hoccc ch th gi n bng vinthng, hoc nu khng th phibng cc phng tin nhanhchng khc.

Hi: khi NXKkhng thy phnhi g t NHTH trong khi chngtv hng ha n ni, nh

XK i NHTH tr li chng t,th NHTH c tr li khng?

C

Ty thuc vo yu cu ca nh XKTuy nhin, trong nhthu:NXK giao hng, giao b chng t=>nhn tinNNK tr tin, nhn b chng t=>nhn hng NXK mun lm n c li c

thtm i tc hoc bn hngkhc nhm mc ch bnc hng.

8 La chnphng thcTT

Hi: nh NK t chi nhn hngv khng TT cho NHTH, NXK

lm g gim thit hi chomnh

PT nhthu ch p dng:1. Khch hng truyn thng2. Khch hng uy tn, nng lc

ti chnh ttgim ri ro th NNK nn

la chn PTTT l L/C.9 Tr 328

(SGT)MQH giacc bn

Nu chng tNT c ngi

y thc gi trc tip khng quaNHNT (chng tkhng iuchnh bi URC 522), NHTHxem xt thc hin hoc t chithu hHi: c NHNT khng, vic TTgia NXK v NNK qua NHno? V nu c NHNT th lmnhim v g

Vic c NHNT hay khng sph

thuc vo s chnh ca ngi ythc, tuy nhin, nhn c tin thngi y thc phi c ti khon camnh ti NH, chnh l NHNT (trtrng hp ngi y thc c tikhon lun ti NHTH), do NHNTs lm nhim v ging nh cctrng hp bnh thng khc v vicTT vn qua NHNT v NHTH.

10 MQH nh

XK v ngii din

Hi: ngi i din nh XKcase of need c th tham giavo qui trnh nhthu ntn?

Nh XK c quyn in mi thng tintrong lnh nhthu, tc l cquyn chnh NHTH, NHXT. Vtrong trng hp chnh nh thth nh XK phi c trch nhim vvic chnh ca mnh (tc ri ro ldo NXK chu)

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11 Thi gianthng bo

NHTH v

NHNT

Hi: lnh NT qui nh li sutphi c thu v khng cmin, nhng nh NK t chiTT, th thi gian thng boNHTH v NHNT?

Thng trong thi gian2 ngy lmvic, v NHTH v NHNT trongphng thc nhthu ch l trunggian thanh ton, do d NNK tchi TT th NH vn c hng ph,v thng bo ngay cho cc bn.

12 MQH cc

bn

Hi: ti sao NHTH phi hnhng ng theo cc ch th cangi y thc bt k MQH camnh vi ngi tr tin l ntn?

NHTH lun ly chtn ln hng u,hn na h ch l trung gian thanhton v hng ph, do h lunthc hin ng cc ch th ca ngiy thc v theo qui tc URCNu NHTH t mi quan h camnh ln trn cc qui tc, th h sphi chu mi thit hi v ri ro cth xy raDn chng: va chng t ca mtcn b thanh ton ca NH ngoithng VN vi nh nhp khu.

13 Ph trong

nhthuPh bn no bn y chu mNNK khng tr th NHTH vntrao chng t v thu ph bngcch khu tr vo tin nhthuHi: thit thi cho nh XK

khng nu tin nhthu b khutr, lm cch no i cph ca NNK?

NXK khng b thit v s tin nhXK nhn c c ghi r tronglnh cng nh trong hp ng hngha

i c ph tNNK: ph bn

no bn y chu v khng cmin, cn tt ccc trng hpkhc th NNK c quyn t chi.

Trn y l tng hp ni dung bui hc th 6, ngy 21/10/2011.

Nhm thc hin rt mong nhn c kin ng gp t pha thy v cc bn bi chon thin hn.

Nhm xin chn thnh cm n!

Nhm thc hin

Trn Th Tm_NHEK11Khng Th Tuyn_NHBK11