n5-phuong thuc chuyen tien

8/3/2019 n5-Phuong Thuc Chuyen Tien

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1.Nguyn Th i Trang2.L Th Hnh3.Nguyn Th Kim Loan4. Nguyn Th Yn Tm

5.Trn Huyn Trn6.Nguyn Th Tuyt7.Trn Th Thy H8.Trng Hong Lan An

GVHD:Ths MAI TH LINH


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PHNG THC

CHUYN TiN

( Remittance)


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Thanh ton n gin l thut ngngn gn m t vic chuyngiao cc phng tinti chnht mt bn ny sangmt bn khc.

Tin l phng tin thc hin trao ihng ha, ng thi l vic kt thc

qu trnh trao i. Lc ny tin thchin chc nng phng tin thanhton. S vn ng ca tin t c thtch ri hay c lp tng i vi sv n n ca hn ho


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1. Khi nimPhng thc chuyn tin

l phng thc trong khch hng (ngi trtin, ngi mua, nginhp khu) yu cu

ngn hng phc v mnhchuyn mt s tin nhtnh cho ngi hng li(ngi xut khu, ngicung ng dch v) mt

a im nht nh. Ngnhng chuyn tin thngthng qua ngn hng i lca mnh nc ngi

hng li thc hinn hi v chu n tin

PHNG THC THANH TON CHUYN TiN
http://www.google.com.vn/imgres?q=hinh+anh+ve+hinh+thuc+chuyen+tien&um=1&hl=vi&biw=1093&bih=493&tbm=isch&tbnid=r6FTlo0OkWXhXM:&imgrefurl=http://thoitrang4eva.vn/site/guide_id/4/thanh-toan&docid=VmmbJ56RDoFcXM&imgurl=http://thoitrang4eva.vn/upload/the.jpg&w=400&h=300&ei=ZXTjTofnLK-JmQXmndz2BA&zoom=1http://www.google.com.vn/imgres?q=hinh+anh+ve+hinh+thuc+chuyen+tien&um=1&hl=vi&biw=1093&bih=493&tbm=isch&tbnid=r6FTlo0OkWXhXM:&imgrefurl=http://thoitrang4eva.vn/site/guide_id/4/thanh-toan&docid=VmmbJ56RDoFcXM&imgurl=http://thoitrang4eva.vn/upload/the.jpg&w=400&h=300&ei=ZXTjTofnLK-JmQXmndz2BA&zoom=1http://www.google.com.vn/imgres?q=hinh+anh+ve+hinh+thuc+chuyen+tien&um=1&hl=vi&biw=1093&bih=493&tbm=isch&tbnid=r6FTlo0OkWXhXM:&imgrefurl=http://thoitrang4eva.vn/site/guide_id/4/thanh-toan&docid=VmmbJ56RDoFcXM&imgurl=http://thoitrang4eva.vn/upload/the.jpg&w=400&h=300&ei=ZXTjTofnLK-JmQXmndz2BA&zoom=1


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Phng thcchuyn tin cth l b phn

ca phng thcthanh ton khcnh phng thc

nh thu, tn dngd phng, tndng chng t

nhng cng cth l mtphng thcthanh ton clp.


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1.2. CC BN THAM GIAPHNG THC CHUYN TIN

Ngi chuyn tin(remitter): ngi mua,ngi nhp khu, ngi mcn.

Ngn hng chuyn tin(remitting bank): ngn hngphc v cho ngi chuyn tin.Ngn hng i l (agentbank): l ngn hng phc vcho ngi th hng v cquan h i l vi ngn hngchuyn tin.Ngi th hng: ngi bn,

ngi xut khu, ch n.


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2. Quy trnh thanh ton

2.1 QUY TRNH THC HIN PHNG THC CHUYN TiN TR SAU

S :Ngn hngchuyn tin

(remitting bank)

Ngn hng il (agent bank)

Ngi chuyntin

(remitter)

Ngi thhng

(benificiary)

3

4

1

52


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2.2 Quy trnh thc hin phng thc chuyn tintr trc:

Ngn hng chuyntin

(remitting bank)

Ngn hng i l

(agent bank)

Ngi chuyntin

(rimitter)

Ngi th hng

(Benificiary)

1 5

2

3

4


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3.H s xin chuyn tin3.1 H s xin chuyn tin tr ngay, tr chm

1. Lnh chuyn tin2. Hp ng nhp khu hng ha

3. Giy php, hn ngch nhp khu

4.T khai hi quan hng nhp khu

5. Ha n thng mi

6. Vn n, phiu ng hng, chng t bo him( nu c yu cu)


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3.H s xin chuyn tin3.1 H s xin chuyn tin tr trc

1. Lnh chuyn tin

2. Hp ng nhp khu hng ha

3. Giy php, hn ngch nhp khu

4.T khai hi quan hng nhp khu( np b sung khi nhp hng )


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Gii thchTH TC NG K T KHAI HI QUAN

NHP KHU

1/ Chun b h s:- B t khai hi quan.( mua ti hi quan )

- 4 invoice -Ha n thng mi ( 1 bn chnh ,3 bn sao y ).- 4 packing list - Bng k chi tit ( 1 bn chnh ,3 bn sao y ).- Hp ng (sao y ).- L/C - Th tn dng ( sao y, nu c ).- C/O - Giy chng nhn xut x ( bn chnh).- Bo him (bn chnh).- B/L - Vn ti n . Bn chnh i vi thanh ton TT( chuyn tin bng in ), D/P (nh thu ) . i vi thanh tonL/C th ch cn bn sao y.- Lnh giao hng ( ca hng tu )- Giy gii thiu ( ca cng ty )


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2/ Qui trnh ng k t khai hi quan:

- Cm B/L bn chnh v giy gii thiu n hngtu ly D/O - lnh giao hng (i vi thanh tonL/C phi s dng B/L c k hu).

- Sau em b chng t n phng ng kt khai hi quan ng k v ch hi quan phncng kim ha ri tin hnh kim hng, tnh thu- Sau khi np thu xong th rt t khai, nhn

hng , thanh l ri ch hng v. Ch :Trong lc ng k t khai v chphn cng kim ha, lin h vi thng vcng ng k h container tm bc xp bcd hng ngay khi c nhn hng.

Gii thch


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XUT KHU

1/Chun b b chng t:- B t khai hi quan. ( mua ti hi quan )- 4 invoice ( bn chnh).- 4 packing list (bn chnh).

- Hp ng (bn sao y).- L/C ( bn sao y ) nu c.

2/ Qui trnh ng k t khai hi quan:

- em b chng t n ng k t khai hi quan .- Ch hi quan phn cng kim ha.- Sau khi kim ha xong th kim hng nim phongng du.- Rt t khai v thanh l.

Gii thchTH TC NG K T KHAI HI QUAN


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Gii thch

HA N THNG MI(Commercial Invoice)

L chng t c bn ca khu thanh ton, l yucu ca ngi bn i ngi mua phi tr stin hng ghi trn ha n. Trong ha n phinu c c im ca hng ha, n gi, tnggi tr hng ha, iu kin c s giao hng,phng thc thanh ton, phng tin vn ti.v.v . .

Ha n thng c lp lm nhiu bn, dng trong nhiu vic khc nhau: xut trnhcho ngn hng i tin hng, xut trnh chocng ty bo him tnh ph bo him, cho hi

quan tnh thu.v.v..


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L chng t do ngichuyn ch(ch tu, thuyn

trng) cp cho ngigi hng nhm xcnhn vic hng ha c tip nhn vn

chuyn. Tuy mi hngtu u c mu vnn ring, nhng vni dung chng c

nhng im chung.

VN N NG BiN

Gii thch


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mt trc ca B/L c ghi r tn ngigi, ngi nhn (hoc "theo lnh" ...), tntu, cng bc hng, cng d hng, tnhng, k m hiu, s lng kin,trng lng, gi c, tng tr gi, cch trcc (cc tr trc hay tr ti cng n),tnh hnh xp hng, s bn gc lp,ngy thng cp vn n .v.v.. Mt sau ghicc iu kin chuyn ch. Khi chuyn ch

hng va c hp ng va c vn n thquan h gia ngi vn ti v ngi nhnhng do vn n iu chnh, cn quan hgia ngi gi hng v ngi vn ti do

hp ng thu tu iu chnh.

VN N NG BiN

ii h h


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Gii thch

vn n hng khng(Airwaybill-AWB)

l chng t vn chuynhng hov bng chng ca vic kkt hp ng

v vn chuyn hng hobng my bay,v iu kin ca hp ngv vic tip nhn hngho vn chuyn ( LutHng Khng dn dng VitNam ngy 4 thng 1 nm1992).


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Khng ging nh vnti ng bin, trongvn ti hng khng,

ngi ta khng sdng vn n vn cth giao dch c,hay ni cch khc

vn n hng khngkhng phi l chngt s ha hng honh vn n ng

bin thng thng

vn n hng khng

Gii thch

h


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Mt s h sH s v th tc chuyn tin ra nc ngoi (thanhton chuyn tin bng in)H s chuyn tin

- 2 bn chnh Lnh chuyn tin (theo mu ca Ngnhng )- Bn sao ho n nhp khu- Bn sao hp ng ngoi thng

- Bn sao hp ng u thc nhp khu (nu nhp uthc)- Bn sao t khai hi quan nhp hng (khch hngxut trnh bn chnh Ngn hng i chiu)Th tcthanh ton- Khch hng np y h s nh trn cho Ngnhng- Nhn vin TTQT kim tra tnh hp l ca h s vxc nhn s lng ngoi t khch hng cn mua thanh

ton (nu khch hng cha c ngoi t thanh ton)

M h


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Mt s h s

H s v th tc chuyn tin v nc (thanh tonchuyn tin bng in)

H s khch hng xut trnh- 02 bn chnh th ngh gi b chng t (theo muca Ngn hng )

- B chng t giao hng ca khch hngTh tc thc hin- Khch hng c th ngh Ngn hng gi b chngt cho i tc nc ngoi v theo di tin v- Khch hng gi h s cho nhn vin TTQT- Nhn vin TTQT s k nhn trn th ngh v gili 01 bn cho khch hng- Ngay trong ngy lm vic, nhn vin TTQT s lpphiu ngh thanh ton v gi km b chng t cho i

tc nc ngoi


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4. NI DUNG CHUYN TiN

12

3

56

4

7

Tn v a ch ca ngi xin chuyn tin

S ti khon, ngn hng m ti khon

S tin xin chuyn

Tn v a ch ca ngi hng li

S ti khon, tn ngn hng m tikhonL do chuyn tinCc chng t c lin quan theo yu cu ca

ngn hng


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4. Phn loi chuyn tin

Phn loi

chuyn tin

Theo i tng

phc v

Theo hnh thc

chuyn tin

Theo mc ch

chuyn tin


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4.1THEO I TNG PHC VChuyn tin cho khch hng c nhn

Np tin ti quy giao dch hoc vo ti khonca mnh m ti ngn hng (nu c).

- Xut trnh giy t c lin quan n vic phthnh chuyn tin (Lnh chuyn tin (bn gc),quyt nh c i hc, giy nhp hc ca c so to nc ngoi, thng bo chi ph, hc ph(bn gc hoc bn sao))

- Xut trnh giy t chng minh quan h thnnhn trong trng hp chuyn tin cho thnnhn du hc nc ngoi (bn gc).- Xut trnh H chiu hoc Chng minh th

nhn dn ca khch hng (bn gc)

Th tc


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Chuyn tin cho khch hng l t chc kinh tx hi Chuyn tin cho khch hng l cc nh ch tichnh

4.2 THEO HNH THC CHUYN TiN

Chuyn tin bng th (Mail transfer

MT ) Chuyn tin bng in ( Telegraphictransfer TT ) Chuyn tin bng hi phiu ngn hng

( Bankdraft)

4.1 THEO I TNG PHC V


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Hnh thc chuyn tin

HNH THC CHUYN TIN

Chuyn tin bngth:(Mail transfer MT)Ngn hng thc

hin vic chuyntin vit th (lnhtr tin hoc giybo ghi c) ra lnhcho ngn hng i

l nc ngoi trtin cho ngi nhn

Chuyn tin bngth:(Mail transfer MT)Ngn hng thc

hin vic chuyntin vit th (lnhtr tin hoc giybo ghi c) ra lnhcho ngn hng il nc ngoi trtin cho ngi nhn

Chuyn tin bng in:

(Telegraphic transfer TT)

Ngn hng thc hinvic chuyn tin in ralnh cho ngn hng il nc ngoi tr tin

cho ngi nhn

Chuyn tinbng hi phiungn hng:(Bankdraft)

c ngn hngthanh ton khngiu kin chongi th hngtheo lnh ca

khch hng

Chuyn tinbng hi phiungn hng:(Bankdraft)

c ngn hngthanh ton khngiu kin chongi th hngtheo lnh cakhch hng


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Hnh thc chuyn tin

Chuyn tin bng in ng trc: Phng thcthanh ton ny qui nh ngi mua (ngi nhpkhu) c ngha v thanh ton cho ngi bn(ngi xut khu) ton b gi tr hoc mt phngi tr ca hp ng vo mt ngy qui nhtrc khi giao hng. Vi ngi xut khu th yl hnh thc thanh ton rt an ton.Vi ngi

nhp khu th y l hnh thc c ri ro caov khng c g m bo vic ngi mua s nhnc hng, v vy ch nn p dng vi cc nhxut khu (ngi bn) c quan h thng xuyn

v tin cy cao.


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Chuyn tin bng in tr sau: Trong phngthc thanh ton tr sau, ngi mua/nginhp khu nhn hng trc khi thanh ton.Vic thanh ton c thc hin ngay khi

ngi mua nhn c hng ha (cn gi ltr tin khi nhn hng (Cash on delivery)).Phng thc thanh ton ny c li cho ngimua (ngi nhp khu). Ri ro thuc v

ngi bn (ngi xut khu).


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Hnh thc chuyn tin

Hai cch chuyntin bng in vbng th ch khcnhau ch l:chuyn tin bngin nhanh hn

chuyn tin bngth,nhng chi phchuyn tin bng

in cao hn.


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Tin chuyn i c th l tin ca nc ngi thhng hoc l tin ca nc ngi tr hoc l tin

ca nc th ba. Nu l tin ca nc ngi thhng v tin ca nc th ba th gi l thanhton bng ngoi t. Trong trng hp thanh tonbng ngoi t th ngi chuyn tin phi muangoi t theo t gi hi oi ca nc .Phng thc chuyn tin t c s dng trongthanh ton thng mi quc t. N c s dngch yu trong thanh ton phi mu dch, cng nhcc dch v c lin quan n xut nhp khu hng

ho nh cc vn ti, bo him, bi thng


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Hi phiu ngn hng- l mt dng hi phiudo mt ngn hng pht hnh ra lnh chongn hng i l ca mnh trch mt s tin

nht nh t ti khon ca Ngn hng phthnh hi phiu tr cho ngi th hngch nh trn hi phiu. Qua khi nim nyta c th hiu, y khng phi l hi

phiu c pht sinh t quan h thngmi m pht sinh t quan h i l giamt ngn hng vi ngn hng i l ca n

Hi phiu ngn hng (Bank draft)


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Ngi k pht hi phiu lngn hng "m" c quyn ralnh cho ngi b k pht trmt s tin nht nh cho

ngi th hng.Ngi b k pht l ngnhng i l c trch nhimphi tr mt s tin

nht nh cho ngi thhng ghi trn hi phiu.Ngi th hng thng lngi c quyn nhn stin ghi trn hi phiu khin hn

Hi phiu ngn hng c nhng c im nh sau
http://www.google.com.vn/imgres?q=h%E1%BB%91i+phi%E1%BA%BFu+ng%C3%A2n+h%C3%A0ng&hl=vi&biw=1093&bih=493&gbv=2&tbm=isch&tbnid=woAtkHqAIVi1yM:&imgrefurl=http://www.saga.vn/view.aspx%3Fid%3D15991&docid=pdbJVXuPmduP1M&imgurl=http://www.saga.vn/Saga_Gallery/ChauHa/BizKnowledge/humanCapital/Partner.jpg&w=331&h=356&ei=N7ToTtiGI8-WiQeI0qXvCA&zoom=1http://www.google.com.vn/imgres?q=h%E1%BB%91i+phi%E1%BA%BFu+ng%C3%A2n+h%C3%A0ng&hl=vi&biw=1093&bih=493&gbv=2&tbm=isch&tbnid=woAtkHqAIVi1yM:&imgrefurl=http://www.saga.vn/view.aspx%3Fid%3D15991&docid=pdbJVXuPmduP1M&imgurl=http://www.saga.vn/Saga_Gallery/ChauHa/BizKnowledge/humanCapital/Partner.jpg&w=331&h=356&ei=N7ToTtiGI8-WiQeI0qXvCA&zoom=1


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Hi phiu ngn hng thng c s dng trong quanh giao dch bin mu hoc chuyn tin gia cc cnhn. Mt ngn hng s pht hnh hi phiu ny khi cmt khch hng yu cu (bng mt n th yu cu)

thanh ton cho vic mua bn gia cc c nhn cchxa nhau, nh mua t hay mua nh ca. Sau ngnhng s kim tra s d ti khon ca khch hng, v str vo ti khon mt s tin bng ng s tinkhch hng yu cu ghi trn hi phiu. Ngoi ra khch

hng phi tr mt khon ph cho ngn hng. Khi nhnc Hi phiu ngn hng ngi bn (ngi th hng)nn xc nh chc chn rt c tin t hi phiu ,t ngn hng i l, th mi giao hng. l cch an

ton nht trnh tnh trng hi phiu gi.


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4.3THEO MC CH CHUYN TiN

Thanh ton hng ha nhp khu: Chuyn tin trc khi nhn hng ( Tr trc )

Chuyn tin sau khi nhn hng ( Tr sau )

Thanh ton dch v Thanh ton h cc ph vn chuyn

Thanh ton tin thu gian hng hi ch

Thanh ton tin hoa hng i l.....

Chuyn li nhun, doanh thu c chia v thu

nhp hp php ca nh u t nc ngoi.


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Chuyn ngoi t ra nc ngoi ca ngi c trl cng dn Vit Nam:

Chuyn ngoi t cho mc ch hc tp ncngoi

Chuyn ngoi t cho mc ch chuyn bnh

nc ngoi Chuyn ngoi t cho mc ch cng tc, du lchthm ving nc ngoi

....

Chuyn lng v thu thp hp php ca cnhn nc ngoi lm vic trong doanh nghip c

vn u t nc ngoi v hp ng hp tc kinhdoanh.


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u nhc im ca phng thcthanh ton chuyn tin

u im:Vi khch hng: Th tc chuyn tinn gin, thun li cho ngi chuyntin; thi gian chuyn tin ngn nnngi th hng c th nhanh chngnhn c tin.

Vi ngn hng: Ngn hng ch tham giavi vai tr l trung gian thanh tonthun ty hng ph, khng c trchnhim kim tra s hp l ca thi gian

thanh ton v lng tin chuyn i.

Nhc im:


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Nhc im:

Chu chuyn hng ha dch v c th

tch ri vi chu chuyn ti chnhtrong thi gian to nn ri ro cho c2 bn.

Khi chuyn tin trc, NNK c lo smt tin nu NXK khng giao hnghay giao hng khng ng yu cu

lm v k hoch sn xut kinh doanhca NNK.Khi tr tin sau, NXK s hon ton bl thuc vo thin ch v uy tn thanhton ca NNK.


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C nhng ri ro khch quankhin cho mt bn kt c btc d bi tn lm nh hngn i tc lm n.Do vic thanh ton ch yubng in nn thi gian thanhton nhanh, nu c sai st srt kh khn trong vic thng

bo v sa cha. phng nga ri ro cc bn nn


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phng nga ri ro cc bn nn

- Xy dng r l trnhchuyn tin: V d:

chuyn trc bao nhiu% ti thi im no?;Thanh ton nt phncn li ti thi imno?- Tha thun thi imchuyn tin trng vi

thi im giao hng.- Quy nh r vphng tin chuyntin, chi ph chuyn tin

ai chu?


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Cu 1: Cc bn tham gia phng thcchuyn tin gm:

A. Nh xut khu, nh nhp khuB. Ngn hng chuyn tin, ngn hng il

C. Ngn hng chuyn tin, ngi thhngD. Ngi chuyn tin, ngn hng chuyntin, ngn hng i l, ngi th hng


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Cu 2: kin no sau y l ng?A. Chuyn tin bng in nhanh hn bng

thB. Chi ph chuyn tin bng in thp hnbng thC. Chuyn tin bng th khng c p dngph binD. A,B,C ng


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Cu 3. trong quy trnh thc hin phng thcthanh ton tr tin trc, pht biu ng l:

a.Ngn hng phc v ngi xut khu nhnlnh t ngi nhp khu chuyn tin cho

ngi th hng thng qua ngn hng i lb.Ngi xut khu giao hng v b chng thng ha cho ngi th hng ngi thhng c th nhn hng

c.Sau khi ngn hng chuyn tin cho ngixut khu thng qua ngn hng i l th ngnhng chuyn tin s ghi n, bo n cho nginhp khu

d.C 3 pht biu u ng


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Cu 4: C th phn loi chuyn tinda vo nhng yu t no?

a)Theo loi hng ha & phng tinvn chuynb)Theo hnh thc thanh ton & thi

hn thanh tonc)Theo i tng phc v, hnh thc

chuyn tin & mc ch chuyn tind)Theo khch hng l c nhn & t

chc


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Cu 5. c my hnh thc chuyntin

A 2 C 4B 3 D 5


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