i Hc i Nam Khoa Ti chnh Ngn hng B Mn NGN HNG THNG MI Sec Thc trng s dng Sec Designer : Mr Bio

NHM 2 L Quang HngL Ch Cng Lu Minh Hi Lng Ngc Sn Phm Vn Qun

ti : Sec v cc loi Sec Tnh hnh s dng SecSec v cc loi Sec1Tnh hnh s dng Sec trn th gii2Thc trng s dng Sec ti Vit Nam3Nguyn nhn v gii php4

Sec v cc loi SecT lnh chi tinHi ngh quc t HaagULC - 1931 Cng c thanh ton ph binTh k 18 191319312011

Sec v cc loi Sec Sc l mt t mnh lnh v iu kin ca ngi ch ti khon(ngi k pht), ra lnh cho ngn hng trch t ti khon ca mnh tr cho ngi c tn trong sc, hoc tr theo lnh ca ngi y hoc tr cho ngi cm sc mt s tin nht nh, bng tin mt hay bng chuyn khon.

Sec v cc loi SecTnh bt buc phi tr tinTnh lu thngTnh thi hnc im ca SecTnh tru tng

Sec v cc loi SecSec ch danhSec v danhSec theo lnhSec gch choSec xc nhnSec du lchCc loi Sec

Sec v cc loi SecSec ch danhSec v danhSec theo lnhSec gch choSec xc nhnSec du lchCc loi Sec

Sec v cc loi SecSec ch danhSec v danhSec theo lnhSec gch choSec xc nhnSec du lchCc loi Sec

Sec v cc loi SecSec ch danhSec v danhSec theo lnhSec gch choSec xc nhnSec du lchCc loi Sec

Sec v cc loi SecSec ch danhSec v danhSec theo lnhSec gch choSec xc nhnSec du lchCc loi Sec

Sec v cc loi SecSec ch danhSec v danhSec theo lnhSec gch choSec xc nhnSec du lchCc loi Sec

Tnh hnh s dng Sec trn th gii

Tnh hnh s dng Sectrn th gii Thanh ton bng sc B o Nha chim ti 81% trong tng lng giao dch, Ireland l 70%, Php l 56%, Anh l 51%; bnh qun s dng sc tnh theo u ngi hng nm Php l 80 mn, H Lan l 56 mn .C xu hng gim dn khi khch hng chuyn qua s dng th , giy ghi n

Tnh hnh s dng Sec ti Vit Nam

Thc trng s dng Sec Vit NamSc vn cha pht trin c nh mong i Vit Namcc NHTM hnh thc thanh ton bng sc chim tlrt thp (khong 2%) trong tng thanh ton phi tin mt. Trong chyu lthanh ton gia ccdoanh nghip vi nhau, cn thanh ton gia doanh nghip vi c nhn, gia c nhn vi nhau l rt t.

Thc trng s dng Sec Vit NamSc vn cha pht trin c nh mong i Vit NamS lng cc NHTM tham c dch v thanh ton bng sc rt t, tp trung 1 s NH ln nh VCB, ACB, BIDV.. Dch v thanh ton sc cng khng a dng, rt t NH trong nc cung ng sc trng cho KH m ch thc hin nh thu sc

VCB l NH mnh nht trong mng thanh ton sc Vit Nam1.Dch v sc trong nc 1.1. Cung ng sc trong nc 1.2. Thanh ton sc trong nc 1.3. Nh thu sc trong nc

2.Dch v sc quc t 2.1. thanh ton sc nc ngoi 2.2. Nh thu sc nc ngoi 2.3. Bn sc du lch 2.4. Thanh ton sc du lch

Ch p dng vi khch hng l doanh nghip

NGUYN NHN

Nguyn nhnCha thnh lp cc trung tm b tr SecHnh lang php l trong lnh vc thanh ton cha hon thinNHTM Cha c nhiu kinh nghim trong TTQT trong c SecTm l khch hng

H thng vn bn php lut cha ng b,hon chnh,thiu cc quy nh c th v r rngHin nay trong h thng VBPL th ch c ngh nh159/2003 ca CP c quy nh ring trong thanh ton sc, trong ngh nh ny cha c cc quy nh y v cc nghip v nh thu sc bo chi bo lnh scNGUYN NHN

Cc NHTM VN cha c nhiu kinh nghim v cha ch trng n mng TTQT trong c scDoanh thu ca cc NHTM ch yu da vo nghip v huy ng v cho vay vn, cc dch v thanh ton cha pht trin c bit l thanh ton quc tNGUYN NHN

Vic thanh ton b tr qua trung tm thanh ton b tr cn hn chKhi khch mua v khch bn khng c ti khon cng mt ngn hng, buc cc ngn hng thng mi phi thng qua h thng thanh ton b tr ca Ngn hng Nh nc. Mi ngy y ch c 2 phin thanh ton b tr (vo lc 10 gi sng v 15 gi) v vic kim tra sc Ngn hng Nh nc vn ch yu l th cng.TK NHCTK NHATK NHBNGUYN NHN

Tm l ca ngi bn nhn sc thng lo ngi trn ti khon ca ngi mua khng cn tin, sc gi, d dn n ri ro trong giao dch nn hay t chi vic thanh ton scTm l khch hngSc gi??NGUYN NHN

Gii php

Gii php

Gii phpCc c quan nh nc, cc n v hnh chnh s nghip nn tin phong trong vic thanh ton bng sc, gp phn a hnh thc ny ph bin rng ri.

1.1Vietcombank cung cp dch v bn sc trng cho khch hng c yu cu v p ng cc iu kin khi s dng sc. Khch hng c th mua sc trng ti chi nhnh Vietcombank bt k1.2Vietcombank cung cp dch v thanh ton ngay cho sc do khch hng s dng dch v cung ng sc ca Vietcombank k pht.1.3Vietcombank cung cp dch v thu h s tin trn sc do mt t chc cung ng dch v thanh ton khc trong nc pht hnh. 2.1 Vietcombank cung cp dch v thanh ton cui cng cho sc do mt ngn hng i l nc ngoi ca Vietcombank k pht, ch nh Vietcombank lm ngn hng thanh ton.2.2. Vietcombank cung cp dch v nh thu sc vi ngn hng nc ngoi.vd:1 dn VN bn hng cho 1 dn nc ngoi thanh ton bng sc ca 1 Nhnuoc ngoai,VCB s thu h tin cho dn VN t NH nc ngoai2.3Vietcombank lm i l pht hnh sc du lch cho cc ngn hng i l.2.4. Vietcombank lm i l thanh ton sc du lch cho cc ngn hng i l.

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