Thư tín dụng.ppt

7/30/2019 Th tn dng.ppt

1/18

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Mn: Thanh ton quc tGVGD:

Nhm sv thc hin: Nhm 3 TCNH3.K4

H T i c h n h N g n h n g 3 K 4


2/18

Phng thc tn dng chng t(Documentary Credit)

Ngn hng pht hnh

Ngi xut khu Ngi nhp khu

Th tn dngLetter of Credit

L/C

n yu cupht hnh

Hng ha

L ngi mua, ngi nhp khu hng Trch nhim: - Np n xin m L/C

- Thc hin ng cc th tc v yu cu m L/C- Chp hnh cc cam kt ghi trong n xin m L/C

L ngi bn, ngi xut khu hng Trch nhim: - Thc hin ng cc iu khon ghi trong L/C

- Xut trnh y b chng t, ng thi hn.

L ngn hng canginhpkhu,cp tn dng cho nginhpkhu

Trch nhimTchc ton b quy trnh thanh ton L/C

Ngn hng thng bo: l ngn hng i l ca ngn hng pht hnh ncngihngli,c ngn hng pht hnh yu cu thng bo L/C cho ngihngli

S minh ha khi nim phng thc thanh ton tn dng chng t


3/18

www.themegallery.com

Phng thc ny lin quann 2 hp ng kinh t c lp

C 2 nguyn tc: nguyn tc c lp v

nguyn tc tun th cht ch ca chng tCc bn giao dch ch cn c vo chng t

m khng cn c vo hng ha

m bo tng i quyn li ca ngi bn vngi mua trong hot ng ngoi thng

Ngn hng pht hnh L/C l ngi phithanh ton cho ngi hng li

c trng caphng thc tndng chng t


4/18


Th tn dng (L/C)

Khi nim, c im, chc nng1

Ni dung2

Quy trnh nghip v3

Cc loi L/C4


5/18

1. Khi nim, c im, chc nng

Khi nim

Th tn dng l mtchng th (inhocchngch), trong

ngn hng pht hnh L/C s cam kttr cho ngixutkhunuh xut trnh c cc chng t ph hp vi cc iu kin viukhon quy nh trong L/C.


6/18

1. Khi nim, c im, chc nng cim

Ngn hng v cc bn lin quan ch giao dch trn c schngt, khng da trn hng ha dchv

L/C phi ghi r l hy ngang hay khng hy ngang, nukhng ch ra sc coi l khng hy ngang

Vi cc chngt khng quy nh trong L/C, ngn hng khngc trch nhimkim tra, cc chngt mu thunvi cc iu

kin trong L/C hay mu thun vi nhau th b coi l khngph hpvi cc iukin ghi trong L/C.

Sau khi nhnchngt , ngn hng pht hnh c thi gian l 7

ngy lm vickim tra s ph hpcachngt


7/18


1. Khi nim, c im, chc nng

L/CChc nngm bo

thanh ton

Chc nngThanh ton

Chc nngTn dng

Chc nng


8/18


Th tn dng (L/C)


Ni dung2

Quy trnh nghip v3

Cc loi L/C4


9/18

2. Ni dung ch yu ca L/C

S hiu, a im v ngy m L/C

Tn, a ch ca ngi lin quan n L/C

S tin ca L/C

Thi hn hiu lc, thi hn tr tin, thi hngiao hng v thi hn xut trnh

Ni dung khc


10/18


Th tn dng (L/C)


Ni dung2

Quy trnh nghip v3

Cc loi L/C4


11/18

3. Quy trnh nghip v

S quy trnh nghip v thanh ton tn dng chng t

Ngi yu cu( Applicant )

Ngn hng pht hnh

( Issuing Bank )

Ngi hng li(Beneficiary)

Ngn hng thng bo

( Advising Bank)

(0)

(4)

(8)(5)(3)

(2)

(5)

(8)

(1)(6)(7)

(0). Hai bn k hp ng ngoi thng vi iu kin thanh ton theo phng thc L/C.(1). Gi n yu cu m tn dng v tin hnh k qu.

(2). Pht hnh L/C qua ngn hng i l cho ngi xut khu hng li.(3). Ngn hng thng bo tin hnh thng bo L/C v chuyn bn gc L/C cho ngihng li.

(4). Giao hng.

(5). Xut trnh chng t i tin Ngn hng pht hnh L/C.

(6). Ngn hng pht hnh thng kt qu kim tra chng t cho ngi yu cu.

(7). Ngi yu cu chp nhn hay t chi thanh ton.(8). Ngn hng pht hnh thng bo hay chp nhn t chi nhn chng t.


12/18

(0). Hai bn k hp ng ngoi thng vi iu kin thanh ton theo phng thc L/C.

(1). Gi n yu cu m tn dng v tin hnh k qu.

(2). Pht hnh L/C qua ngn hng i l cho ngi xut khu hng li.

(3). Ngn hng thng bo tin hnh thng bo L/C v chuyn bn gc L/C cho ngihng li.

(4). Giao hng.

(5). Xut trnh chng t i tin Ngn hng pht hnh L/C.

(6). Ngn hng pht hnh thng kt qu kim tra chng t cho ngi yu cu.

(7). Ngi yu cu chp nhn hay t chi thanh ton.

(8). Ngn hng pht hnh thng bo hay chp nhn t chi nhn chng t.


13/18


Th tn dng (L/C)


Ni dung2

Quy trnh nghip v3

Cc loi L/C4


14/18

4.Cc loi tn dng L/C

Th tn dng khngth hy ngang

Ngn hng khng csai, b sung hoc hy btrong thi gian hiu lcca n nu khng c sng ca bn lin quan.

Ghi r ch IrrevocableL/C hoc khng ghi g.

mboquynlica ccbn lin quan.

Th tn dng c thhy ngang

Ngn hng c th sa i,b sung hochybbtclc no m khng cn botrc cho ngihngli

Ghi chRevocable L/C. Ngi bn d gp ri ro,trong khi ngi mua c thchngtia.

Cn c theo cng dng ca th tn dng


15/18

Cn c vo tnh cht ca L/C

Loith tn dng c im

Th tn dng xc nhn(Confirmed Letter of Credit).

L loi L/C khng th hy ngang v c 1 ngn hng khc xc nhn.Vic yu cu xc nhn L/C xut pht t yu cu ca ngi hng li.

Th tn dng chuyn nhng(Transferable Letter of Credit)

L loi L/C khng th hy ngang, L/C ch c php chuyn nhng 1ln. Ph chuyn nhng thng do ngi hng li u tin chu.

Th tn dng tun hon(Revolving Letter of Credit)

L loi L/C khng th hy ngang. Khi L/C s dng ht kim ngch hocsau khi ht hn hiu lc L/C th t ng c gi tr nh c v tun honn khi hon tt gi tr hp ng.

Th tn dng gip lng(Back to Back Letter of Credit)

L loi L/C m da vo 1 L/C khc (gi l L/C gc). L/C gc v L/Cgip lng hon ton c lp vi nhau. L/C gc c coi l s m bo

cho vic thanh ton L/C gip lng.

Th tn dng i ng(Reciprocal Letter of Credit}

L loi L/C c quy nh l ch c gi tr hiu lc khi L/C khc ing vi n c m ra. L/C ny c s dng trong vic mua bn trnc s hng i hng.

Th tn dng d phng(Standby Letter of Credit)

L loi L/C m trong ngn hng L/C cam kt vi ngi nhp khu ls thanh ton li trong trng hp ngi xut khu khng hon thnhngha v giao hng theo quy nh trong L/C.


16/18


TEXT TEXT

NH m L/C camkt tr tin ngaycho ngi hngli khi xut trnh

b chng t hpl.Trong L/C cth yu cu ngihng li k phthi phiu tr ngay i tin.

Phng thc quinh vic thanhton din ra vomt ngy xc nh

chm hn so vingy chng tc chuyn nngn hng pht

hnh. Tuy nhin

ngy thanh ton

vn phi nm

trong thi hn chiu lc ca L/C.

L s dung 2 haynhiu phongthc khc nhautrong 1 LC.

L loi L/C c iukin cho phpngi hng cnhn mt khan

tin trc khi giaohng trn cshiphiutrn hay hiphiu km chngt chng minhrng c hng giao.

Cn c vo thi hn thanh ton ca L/C


17/18

Ri ro v li ch cc bn

Li ch Ri ro

i vi nhnhp khu

Li ch: chphi thanh ton khi nhncbchng t ph hpvi cc iukin viukhonca L/C, c ngn hng htrtrong vicmbo cho cc iukin,iukhon c tun th, d dng cngn hng ti trvvn..

Nh xut khu ch tm gianln c th xut trnh chng tgi mo cho NH ch nh thanh ton.

i vi nhxut khu

c mbo thanh ton v c thanhton nhanh nht khi tun th cc iu

khon v iukinca L/C; c gip ,tvngimthiu cc ri ro; c thchitkhu, bn , thchpbchngt cho ngnhng

Chi ph co,b tr hon thanhton hoc khng c thanh

ton do khng p ng cciukinca L/C.

ivi ngnhng pht hnh

Thu ccc khon ph dch v, to ngunthu thc hin cc hot ng kinh doanh

khc ca ngn hng.

B rngbuc trch nhim camnh i vi ngi mua v

ngi bn.


18/18

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