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Chöông 5: HEÄ THOÁNG THANH TOAÙN KHOÂNG DUØNG TIEÀN MAËT TAÏI VIEÄT NAM PowerPoint PPT Presentation


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Chöông 5: HEÄ THOÁNG THANH TOAÙN KHOÂNG DUØNG TIEÀN MAËT TAÏI VIEÄT NAM. Chöông 5:(tt). 5.1. CÔ SÔÛ PHAÙP LYÙ CUÛA HEÄ THOÁNG THANH TOAÙN KHOÂNG DUØNG TIEÀN MAËT TAÏI VIEÄT NAM 5.1.1. Moái quan heä giöõa löu thoâng tieàn maët vaø thanh toaùn khoâng duøng tieàn maët

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Chöông 5: HEÄ THOÁNG THANH TOAÙN KHOÂNG DUØNG TIEÀN MAËT TAÏI VIEÄT NAM

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Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:

HE THONG THANH TOAN KHONG

DUNG TIEN MAT TAI VIET NAM


Ch ng 5 tt

Chng 5:(tt)

5.1. C S PHAP LY CUA HE THONG THANH TOAN KHONG DUNG TIEN MAT TAI VIET NAM

5.1.1. Moi quan he gia lu thong tien mat va thanh toan khong dung tien mat

- Chu chuyen tien te trong nen kinh te hang hoa c thc hien di 2 hnh thc: chu chuyen tien mat va chu chuyen khong dung tien mat.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.1.1. Moi quan he gia lu thong tien mat va thanh toan khong dung tien mat (tt):

- Viet Nam chu chuyen tien mat c thc hien bi dau hieu tien te Viet Nam (VND), ay la tien mat van ong trong lu thong, thc hien chc nang phng tien lu thong va phng tien thanh toan. Con trong thanh toan khong dung tien mat, tien ch chap hanh mot chc nang phng tien thanh toan.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.1.1. Moi quan he gia lu thong tien mat va thanh toan khong dung tien mat (tt):

- Thanh toan khong dung tien mat la tong hp tat

ca cac khoan thanh toan tien te gia cac n v, ca nhan c thc hien bang cach tnh chuyen tien tren tai khoan,hoac bu tr lan nhau thong qua ngan hang ma khong trc tiep s dung tien mat trong khoan thanh toan o.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.1.1. Moi quan he gia lu thong tien mat

va thanh toan khong dung tien mat (tt):

S chu chuyen cua san pham hang hoa

oi hoi phai s dung tien te trong cac chc nang

cua no e thc hien cac moi quan he kinh te

phat sinh hang ngay o la mot tat yeu

mat khac oi hoi con ngi va xa hoi

phai s dung tien trong cac trng hp

thanh toan nh the nao

la hp ly va tien li.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.1.1. Moi quan he gia lu thong tien mat va thanh toan khong dung tien mat (tt):

Viec s dung tien mat hay khong dung tien mat e thc hien cac khoan thanh toan khong phai do y muon chu quan cua nha nc hay mot c quan quan ly nha nc nao o ma do yeu cau khach quan trong thanh toan oi hoi.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.1.1. Moi quan he gia lu thong tien mat va thanh toan khong dung tien mat (tt):

  • Khi nen kinh te, lu thong hang hoa trao oi, dch vu c m rong th khoi lng chu chuyen tien te cung tang len tng ng, tc thanh toan bang tien mat va khong dung tien mat eu tang len.

  • Thanh toan bang chuyen khoan tang ca ve so tuyet oi va so tng oi (ty trong).

  • Thanh toan bang tien mat th tang ve so tuyet oi nhng lai giam ve so tng oi (ty trong).


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.1.2. ac iem va tac dung cua thanh toan khong dung tien mat

  • Thanh toan khong dung tien mat Viet Nam la quan he thanh toan c thc hien va c tien hanh bang cach trch chuyen tien t tai khoan n v nay sang n v khac hoac bu tr lan nhau gia cac n v thong qua ngan hang.


Ch ng 5 tt1

Chng 5:(tt)

5.1.2. ac iem va tac dung cua thanh toan khong dung tien mat( tt)

  • ac iem:

  • S van ong cua tien te oc lap vi s van ong cua vat t hang hoa ca ve thi gian va khong gian, s van ong cua tien trong thanh toan va s van ong cua vat t hang hoa khong co s an khp vi nhau.

  • ay la ac iem ln nhat, noi bat nhat trong thanh toan khong dung tien mat can phai c nhan thc mot cach ung an.


Ch ng 5 tt2

Chng 5:(tt)

5.1.2. ac iem va tac dung cua thanh toan khong dung tien mat( tt)

  • Khac vi thanh toan bang tien mat, thanh toan bang chuyen khoan khong phai c tien hanh mot cach trc tiep theo kieu giao hang, nhan tien, ma la viec giao hang c tien hanh ni nay trong thi gian nay, nhng viec thanh toan co the c thc hien ni khac, trong mot thi gian khac.


Ch ng 5 tt3

Chng 5:(tt)

5.1.2. ac iem va tac dung cua thanh toan khong dung tien mat( tt)

ac iem:(tt)

- Trong thanh toan khong dung tien mat, vat moi gii (tien mat) khong xuat hien nh trong thanh toan bang tien mat (H-T-H) ma no ch xuat hien di hnh thc tien te ke toan (tien ghi so) va c ghi chep tren cac chng t, so sach ke toan (tien chuyen khoan).

ay la ac iem noi bat, ac iem rieng cua thanh toan khong dung tien mat.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.1.2. ac iem va tac dung cua thanh toan khong dung tien mat( tt)

ac iem:(tt)

  • Trong thanh toan khong dung tien mat, vai tro cua ngan hang la rat to ln, ay la vai tro cua ngi to chc va thc hien cac khoan thanh toan. ngi quan ly tai khoan tien gi cua cac n v mi c phep trch chuyen tai khoan cua cac n v

    Ngan hang tr thanh phong thanh toan cho xa hoi , toan bo qua trnh thanh toan c thc hien thuan loi, troi chay hay khong c quyet nh bi ngi thc hien ma trong o ngan hang ong vai tro ket thuc qua trnh thanh toan.


Ta c du ng

Tac dung:

Trc tiep thuc ay qua trnh van ong cua vat t,

hang hoa trong nen kinh te, thong qua o ma

cac moi quan he kinh te ln se c giai quyet,

nh vay, qua trnh san xuat va lu thong hang hoa

c tien hanh bnh thng.

Nh to chc cong tac thanh toan ma cho phep NH tap trung ngay cang nhieu cac khoan von tien te trong nen kinh te, lam tang them nguon von tn dung e au t vao cac qua trnh tai san xuat m rong.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.2. CAC THE THC THANH TOAN KHONG DUNG TIEN MAT VIET NAM

5.2.1. Thanh toan bang sec

5.2.1.1. Khai niem

  • Sec la lenh tra tien cua chu tai khoan, c lap tren mau do ngan hang nha nc quy nh, yeu cau n v thanh toan trch mot so tien t tai khoan tien gi cua mnh e tra cho ngi thu hng co ten ghi tren sec hoac tra cho ngi cam sec.

  • Vay sec la mot chi phieu, lap tren mau in san do chu tai khoan phat hanh giao trc tiep cho ngi ban e thanh toan tien vat t, hang hoa, chi ph dch vu


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

Tat ca cac t sec do mau Ngan hang Nha nc thiet ke thong nhat c in va ghi bang tieng Viet (sec phuc vu khach hang nc ngoai co the in them bang tieng Anh

Ngan hang, kho bac nha nc... ban sec trang cho khach hang s dung, theo ung mau sec a c duyet va ch ban sec cho khach hang nao co m tai khoan tai n v mnh.

5.2.1.2

Nguyn tc


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

Ngi phat hanh sec, la chu tai khoan hoac c chu tai khoan uy quyen. Ch c phat hanh sec trong pham vi so d tai khoan uy quyen. Ch c phat hanh trong pham vi so d tai khoan tien gi hoac bao chi, neu vi pham se b phat tien, b nh ch s dung sec hoac b truy to theo phap luat

Sec phai c viet bang th mc kho tay xoa, khong dung but ch, khong dung mc o. Cac yeu to trong sec phai ghi ay u ro rang. Cam sa cha, tay xoa tren t sec, sec viet hong can gach cheo, e nguyen khong xe ri khoi cuong t sec

5.2.1.2

Nguyn tc

(tt)


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

Khi phat hanh sec can ghi so tien bang ch va so phai khp nhau, a iem. Mot t sec hp le la sec ghi ay u cac yeu to va noi dung quy nh, co u ch ky va con dau (neu co).

T sec u ieu kien thanh toan phai la:

+ T sec hp le.

+ c nop trong thi gian hieu lc thanh toan.

+ Ch ky va con dau phai khp ung vi mau a ang ky.

+ So d tai khoan cua chu tai khoan u tien e thanh toan.

5.2.1.2

Nguyn tc

(tt)


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

Ngi phat hanh sec va ngi thu hng phai thong bao ngay cho cac ben lien quan, khi b mat sec. Can c vao thong bao mat sec, ca nhan, n v thanh toan ra lenh nh ch thanh toan oi vi t sec c thong bao, phai chu boi hoan neu e t sec b li dung lay tien ra sau khi a nhan thong bao.

Trng hp co nhieu sec c phat hanh b mot chu tai khoan c nop vao cung mot thi iem th n v thanh toan xac nh th t thanh toan theo so sec phat hanh t nho en ln

5.2.1.2

Nguyn tc

(tt)


Ch ng 5 tt4

Chng 5:(tt)

5.2.1.2Nguyn tc: (tt)

- Sec phat hanh qua so d tai khoan tien gi sec b x ly nh sau:

+ Vi pham lan au: phat tien theo quy nh x phat vi pham hp ong.

+ Phat 30% so tien phat hanh qua so d.

+ Phat cham tra: tnh tren so ngay cham tra va lai suat qua han tai n v thanh toan.

+ Vi pham lan hai: Phat tien nh lan au; nh ch phat hanh sec trong 6 thang thu hoi toan bo so sec cha s dung. Sau o neu co cam ket khong tai pham th khoi phuc quyen phat hanh sec.

+ Tai pham lan th 3: phat tien nh tren; nh ch vnh vien quyen phat hanh sec. Ten cac n v, cac nhan b nh ch, hoac nh ch vnh vien quyen phat hanh sec se c thong bao trong toan he thong ngan hang.


Ch ng 5 tt5

Chng 5:(tt)

5.2.1.2 Nguyn tc: (tt)

  • Cac oi tng co lien quan en sec:

    - Chu tai khoan: la ngi ng ten m tai khoan va la chu s hu hoac ai dien chu s hu so tien tren tai khoan o. Chu tai khoan co the la ai dien mot phap nhan hoac mot the nhan.

    - Ngi phat hanh sec: la ngi ky phat hanh sec e thanh toan cho ngi hng sec. Ngi phat hanh co the la chu tai khoan hoac ngi c chu tai khoan uy quyen.


Ch ng 5 tt6

Chng 5:(tt)

Nguyn tc: (tt)

Cac oi tng co lien quan en sec:(tt)

- Ngi thu hng sec: la ngi s hu so tien ghi tren sec, ngi thu hng se c ghi ro ho ten tren t sec (neu sec ky danh) hoac la ngi cam sec (neu la sec vo danh).

- Ngi chuyen nhng sec: la ngi chuyen nhng quyen thu hng sec cua mnh cho ngi khac theo luat nh.


Ch ng 5 tt7

Chng 5:(tt)

Nguyn tc: (tt)

Cac oi tng co lien quan en sec:(tt)

- n v thu ho: la n v c phep lam dch vu thanh toan tien hanh nhan cac t sec do ngi thu hng nop vao e thu ho tien cho ngi thu hng.

- n v thanh toan: la n v gi tai khoan tien gi cua chu tai khoan, c phep lam dch vu thanh toan. Thc hien viec trch tien tren tai khoan tien gi cua chu tai khoan e thanh toan cho ngi thu hng sec khi t sec c chuyen nhng en.


Ch ng 5 tt8

Chng 5:(tt)

Nguyn tc: (tt)

Cac oi tng co lien quan en sec:(tt)

- Ngi phat hanh va ngi thu hng sec eu co trach nhiem oi vi sec. Trach nhiem nay gom: trach nhiem thanh toan, lien i giai quyet cac khieu nai hoac khi kien khi sec b t choi thanh toan.

- Ngi thu hng sec c quyen khieu nai nhng ngi co trach nhiem e oi thanh toan so tien cua t sec trng hp khong giai quyet c khieu nai, th ngi thu hng co quyen khi kien nhng ngi co trach nhiem trc toa an e giai quyet theo phap luat.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.1.3. Cac loai sec s dung trong thanh toan

Can c vao tnh chat chuyen nhng

sec c chia lam 2 loai

Sec ky danh (named check)

Sec vo danh (Bearer Check):


Ch ng 5 tt9

Chng 5:(tt)

5.2.1.3. Cac loai sec s dung trong thanh toan (tt):

  • Sec ky danh (named check): la sec ghi ro ho, ten, a ch cua ca nhan hoac phap nhan thu hng sec. Loai sec nay c chuyen nhng theo luat bang phng phap ky hau chuyen nhng (Endorsement). Viec chuyen nhng phai ghi ro ho ten, a ch, ca nhan hoac ten, a ch phap nhan c chuyen nhng vao mat sau cua t sec.


Ch ng 5 tt10

Chng 5:(tt)

5.2.1.3. Cac loai sec s dung trong thanh toan (tt):

- Sec vo danh (Bearer Check): la loai sec khong ghi ten ca nhan hoac ten phap nhan thu hng sec. Ten t sec se ghi: "Yeu cau tra tien cho ngi cam sec (Requise Pay to The Bearer). Loai sec nay c chuyen nhng t do tc la bang cach trao tay. Loai nay tam thi cha s dung Viet Nam.


Ch ng 5 tt11

Chng 5:(tt)

5.2.1.3. Cac loai sec s dung trong thanh toan (tt):

  • Can c vao tnh chat s dung: sec chia lam 2 loai:

    - Sec chuyen khoan (Tranhsfer Check): ay la loai sec ch dung e thanh toan theo loi chuyen khoan bang cach ghi co vao tai khoan lien quan.

    - Sec chuyen khoan c gach 2 ng song song cheo goc pha tren ben trai t sec hoac c ong dau co ch "Chuyen khoan" mat trc t sec.

    -Sec tien mat (Cash check): ay la loai sec ma ngi thu hng c quyen rut tien mat tai n v thanh toan.


Ch ng 5 tt12

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec

  • Thu tuc phat hanh va thanh toan sec tien hanh theo trnh t sau:

  • Bc 1: Cac n v, ca nhan sau khi sau khi m hay a co tai khoan tien gi ngan hang, hay kho bac, khi co nhu cau s dung sec se lap giay e ngh ban sec nop vao n v thanh toan kem theo chng minh th hoac ho chieu. n v thanh toan sau khi kiem tra giay t hp le se m so theo doi ten, a ch, so hieu tai khoan cua khach hang.


Ch ng 5 tt13

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

  • Bc 2:

    - Sau khi a co sec, khach hang phat hanh sec va giao trc tiep cho ngi ban (ngi thu hng sec) e thanh toan tien mua hang hoa, dch vu.

    - Khi phat hanh sec can chu y:

    + Phat hanh sec theo ung quy nh.

    + Chu tai khoan co the uy quyen phat hanh sec (uy quyen bang van ban)

    + n v thanh toan sau khi kiem tra so d tai khoan tien gi cua chu tai khoan se thc hien lu ky tien vao tai khoan thch hp.


Ch ng 5 tt14

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 3: Khi nhan c t sec do ngi phat hanh trao cho mnh, ngi thu hng can kiem tra tnh hp le cua t sec. Neu t sec hp le th ngi thu hng sec co the x ly bang mot trong hai cach:

  • Nop sec e c thanh toan. Ngi thu hng lap bang ke nop sec kem theo t sec nop vao n v thu ho hoac nop trc tiep vao n v thanh toan trong thi gian hieu lc thanh toan cua t sec.


Ch ng 5 tt15

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 3:(tt)

- Chuyen nhng sec:

Neu ngi thu hng sec muon chuyen nhng t sec cho ngi khac e tr n hoac tra tien hang hoa, dch vu th tien hanh cac thu tuc chuyen nhng sec theo quy nh.


Ch ng 5 tt16

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 4: Khi nhan t sec kem theo bang ke nop sec cua khach hang nop vao n v tiep nhan sec can kiem tra tnh hp le cua t sec, thi han thanh toan. Neu t sec khong hp le hoac qua han th t choi vao trao t sec lai cho khach hang.


Ch ng 5 tt17

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 4:(tt)

  • Neu t sec hp le va con thi han thanh toan th n v thu ho ky nhan t sec ong thi chuyen ngay t sec va bang ke cho n v thanh toan.

  • Trng hp t sec nop trc tiep vao n v thanh toan th n v thanh toan se tien hanh thanh toan ngay cho ngi thu hng.


Ch ng 5 tt18

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 5: n v thanh toan khi nhan c bang ke kem theo t sec do n v thu ho chuyen en (hoac do ngi thu hng nop trc tiep) can kiem tra lai:

- Tnh hp le cua t sec.

- Thi han hieu lc.

- Tnh lien tuc cua day ch ky chuyen nhng (neu co).

- S khp ung gia so tien cua t sec va bang ke. Neu hoan toan hp le va khp ung n v thanh toan se thc hien thanh toan nh sau:


Ch ng 5 tt19

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 5( tt):

+ Neu t sec dung e thanh toan chuyen khoan: n v thanh toan se trch tien tren tai khoan cua chu tai khoan (hoac tai khoan ky gi e bao chi sec) thanh toan cho ngi thu hng bang cach ghi co vao tai khoan tien gi cua ngi thu hng roi bao cho ho hoac chuyen tien qua n v thu ho neu ngi thu hng co tai khoan ngan hang khac.

+ Neu t sec c thanh toan bang tien mat th n v thanh toan cho ngi thu hng lay tien mat hoac ngan phieu sau khi a kiem tra ky cac giay t lien quan.


Ch ng 5 tt20

Chng 5:(tt)

5.2.1.4. Thu tuc phat hanh va thanh toan sec( tt):

Bc 6: n v thu ho khi nhan c tien do n v thanh toan gi en quan he thong lien ngan hang hay qua bu tr th tien hanh ghi co ngay vao tai khoan cua ngi thu hng roi gi giay bao Co cho ho biet.


Ch ng 5 tt21

(2a)

Ngi phat hanh

(ngi mua)

Ngi thu hng

(ngi ban)

(2b)

(3)

(1)

(5)

(6)

(3)

(5)

n v thanh toan

(NH ben mua)

n v thu ho

(NH ben ban)

(4)

Chng 5:(tt)


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

  • Chu thch:

    (1) Ngi mua, chu tai khoan lam thu tuc xin mua sec trang tai n v mnh m tai khoan

    (2a) Ngi ban, ban hang hoac cung cap dch vu

    (2b) Ngi mua phat hanh sec giao cho ngi ban e thanh toan tien hang hoa, dch vu.

    (3) Ngi thu hng nop sec vao n v thu ho hoac nop trc tiep cho n v thanh toan, hoac chuyen nhng sec theo quy nh.

    (4) n v thu ho sau khi kiem tra hp le, se nhan thu ho roi gi t sec va ban ke sang n v thanh toan.

    (5) n v thanh toan trch tien t tai khoan cua ngi phat hanh (bao n) e thanh toan cho ngi thu hng thong qua n v thu ho.

    (6) n v thu ho ghi Co vao tai khoan cua ngi thu hng theo so tien nhan c sau khi a tr ph thanh toan roi gi giay bao Co cho ngi thu hng.


Tr ng h p ng i pha t ha nh va ng i thu h ng co ta i khoa n ta i cu ng mo t n v

(2a)

Ngi phat hanh

(ngi mua)

Ngi thu hng

(ngi ban)

(2b)

(4a)

(4b)

(1)

(3)

n v thu ho ong thi la n v thanh toan

Trng hp ngi phat hanh va ngi thu hng co tai khoan tai cung mot n v.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(1) Ngi mua Chu tai khoan lam thu tuc xin mua sec trang tai n v ni mnh m tai khoan

(2a) Ngi ban giao hang cho ngi mua

(2b) Ngi mua phat hanh sec trc tiep cho ngi ban

(3) Ngi thu hng nop sec vao n v thu ho hoac chuyen nhng sec theo ung quy nh.

(4a) n v thanh toan ghi N tai khoan cua ngi phat hanh roi gi giay bao N.

(4b) n v thanh toan ghi Co vao tai khoan cua ngi thu hng roi gi giay bao Co cho ngi thu hng hoac cho ngi thu hng rut tien mat.


Ch ng 5 tt22

Chng 5:(tt)

  • Nhng chu y quan trong

    - Neu ngi thu hng nop sec khong ung thi han v ly do khach quan hoac n v thu ho khong chuyen sec kp thi th can lap giay xac nhan do ly do bat kha khang co xac nhan cua UBND Phng, xa ni ngi thu hng c tru hay ni ong tru s cua n v thu ho e duy tr hieu lc thanh toan cua t sec o.


Ch ng 5 tt23

Chng 5:(tt)

  • Nhng chu y quan trong( tt)

    - n v thanh toan c quyen t choi thanh toan va tra lai t sec cho n v thu ho hoac ngi thu hng sec neu t sec khong u ieu kien thanh toan (khong hp le, co lenh nh ch thanh toan, phat hanh qua so d, ch ky khong ung ch ky, dau) Khi t choi thanh toan, n v thanh toan phai lap phieu t choi thanh toan gi cho ngi thu hng biet.


Ch ng 5 tt24

Chng 5:(tt)

  • Nhng chu y quan trong( tt)

    - Neu n khieu nai khong c giai quyet th ngi thu hng c quyen khi kien trc toa oi vi ngi phat hanh hoac nhng ngi chuyen nhng hoac tat ca nhng ngi o. Vu kien do Toa an giai quyet.


Ch ng 5 tt25

Chng 5:(tt)

  • Nhng chu y quan trong( tt)

    - Trng hp sec b t choi v qua han th ngi thu hng mat quyen khieu nai nhng t sec van co gia tr lam can c e yeu cau ngi phat hanh thanh toan (bang cach phat hanh t sec mi thay the t sec qua han) neu ngi phat hanh khong tra th ngi thu hng c quyen kh kien trc toa.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.2.2. Thanh toan bang uy nhiem chi hoac lenh chi

5.2.2.1. Khai niem ve uy nhiem chi

  • Uy nhiem chi la lenh chi do chu tai khoan lap tren mau in san e yeu cau ngan hang hoac kho bac ni mnh m tai khoan, trch mot so tien nhat nh t tai khoan cua mnh e tra cho ngi thu hng ve tien hang hoa dch vu hoac chuyen vao mot tai khoan khac cua chnh mnh.


Ch ng 5 tt26

(1)

Ben mua

(ben tra tien)

Ben ban

(ben thu hng)

(2)

(4)

Ngan hang

ben mua

Ngan hang

ben ban

(3)

Chng 5:(tt)

5.2.2.2. Thu tuc lap chng t va thanh toan


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

  • Chu thch:

    (1)- Ben ban xuat giao hang hoa hoac cung cap dch vu cho ben mua.

    (2)- Ben mua lap uy nhiem chi theo mau thong nhat e gi en ngan hang phuc vu mnh (ngan hang ben mua) e thanh toan tien hang hoa dch vu cho ben ban.

    (3)- Ngan hang ben mua kiem tra uy nhiem chi do ben mua chuyen en. Neu tat ca eu hp le th tien hanh thanh toan bang cach trch tien tren tai khoan cua ben mua e tra cho ben ban ngay trong ngay.

    (4)- Ngan hang ben ban ghi Co vao tai khoan cua ben ban va gi giay bao Co cho ben ban ngay sau khi nhan c tien hoac giay bao t ngan hang ben mua.


Ch ng 5 tt27

Chng 5:(tt)

5.2.3. Thanh toan bang uy nhiem thu

5.2.3.1. Khai niem

  • Uy nhiem thu la mot the thc thanh toan c tien hanh tren c s giay uy nhiem thu va cac chng t hoa n do ngi ban lap va chuyen en ngan hang e yeu cau thu ho tien t ngi mua ve hang hoa a giao, dch vu cung ng phu hp vi nhng ieu kien thanh toan a ghi trong hp ong kinh te.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.2.3. Thanh toan bang uy nhiem thu( tt):

5.2.3.1. Khai niem( tt):

  • Uy nhiem thu c ap dung pho bien trong moi trng hp vi ieu kien 2 ben mua va ban phai thong nhat vi nhau va phai thong bao bang van ban cho ngan hang ve viec ap dung the thc uy nhiem thu e ngan hang lam can c thc hien thanh toan.


Ch ng 5 tt28

Hp ong kinh te

Ben mua

Ben ban

(1)

(2)

(4b)

(5)

(2)

(4a)

Ngan hang ben mua

Ngan hang ben ban

(3)

Chng 5:(tt)

5.2.3.2. Luan chuyen chng t va thanh toan bang uy nhiem thu


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

  • Chu thch:

    (1)- Can c vao hp ong kinh te a ky ben ban tien hanh gi hang hoac cung cap dch vu cho ben mua.

    (2)- Ngay sau o ben ban lap giay uy nhiem thu kem theo cac hoa n, van n co lien quan gi en ngan hang phuc vu mnh hoac gi trc tiep en ngan hang phuc vu ngi mua e nh thu tien ho. Neu ben ban muon nhan c tien nhanh th can ghi ro vao uy nhiem thu chuyen tien bang ien va phai chu ph chuyen tien.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(3)- Ngan hang ben ban kiem tra bo giay t uy nhiem thu neu hp le va khp ung th ghi ngay, thang, nhan chng t vao cho quy nh cua uy nhiem thu, ghi ngay thang kiem soat va gi uy nhiem thu i cho ngan hang ben mua, ke toan trng ngan hang ky ten, ong dau roi gi uy nhiem thu (lien 1,2,3) va cac chng t kem theo cho ngan hang phuc vu ngi mua.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(4)- Khi nhan c 3 lien uy nhiem thu va cac chng t hoa n do ngan hang ben ban chuyen en, ngan hang ben mua can phai kiem tra ky lng e xac nh tnh hp le cua cac chng t thanh toan. Neu tat ca eu hp le, ung an va phu hp vi cac ieu kien thanh toan ma ben mua thong bao cho ngan hang th ngan hang ben mua tien hanh ghi cheo ngay nhan va ngay thanh toan vao ni quy nh cua uy nhiem thu roi trch tien tren tai khoan tien gi cua ben mua e thanh toan cho ngi ban, thong qua ngan hang ben ban theo phng thc thch hp.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(4a)- Viec thc hien thanh toan tai ngan hang ben mua phai hoan thanh trong pham vi mot (01) ngay lam viec ke t ngay nhan c uy nhiem thu. Neu tai khoan cua ben mua khong u tien e thanh toan th phai ch khi tai khoan co u tien mi thc hien thanh toan ong thi tnh so tien phat en cho ben ban hng.

  • Tien phat cham tra = So tien cua uy nhiem thu x So ngay cham tra x Ty le phat cham tra

  • Trong o: So ngay cham tra tnh t ngay ngan hang ben mua nhan c uy nhiem thu t ngan hang ben ban chuyen en ngay tai khoan ben mua co u tien e thanh toan.

  • Ty le phat cham tra tnh nh ty le phat cham tra oi vi sec tc bang 100% lai suat cho vay cao nhat.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(4b) Sau o ngan hang ben mua phai ong dau co ch a thanh toan len cac chng t hoa n, van n roi gi ve cho ben mua kem theo lien (2) giay uy nhiem thu lam giay bao N. Ben mua dung bo chng t nay e nhan hang khi hang ve ti cang.

(5)- Khi nhan c tien t ngan hang ben mua chuyen en hoac nhan c giay bao co theo phng thc thanh toan gia 2 ngan hang, ngan hang ben ban se ghi Co vao tai khoan cua ben ban roi ghi ngay, thang thanh toan vao ni quy nh cua giay uy nhiem thu va gi cho ben ban lam giay bao Co.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.2.4. Thanh toan bang th tn dung

5.2.4.1. Khai niem

  • Th tn dung la mot t lenh cua NH phuc vu ben mua (theo e ngh cua ngi mua) oi vi NH phuc vu ben ban e tien hanh tra tien cho ngi ban theo cac chng t cua ngi ban xuat trnh ve hang hoa a giao, dch vu a c cung ng cho ben mua, phu hp vi cac khoan a ghi trong th tn dung.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.4.2.

Mot

so

quy

nh

cu

the

Th tn dung c dung e thanh toan gia cac ben

mua va ban khac a phng trong he thong NH trong

trng hp ben banoi hoi ben mua phai am bao von

e chi tra ngay sau khi giao hang hoa, dch vu.

Moi th tn dung ch c dung e thanh toan

vi motngi ban duy nhat

(tc la mot ngi thu hng).

Mc tien toi thieu cua mot

th tn dung la 10.000.000 (mi trieu ong)

Thi han hieu lc cua th tn dung la

3 thang ke t ngay NH ben mua nhan

m th tn dung


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Hp ong kinh te

Ben mua

(xin m th tn dung)

Ben ban

(hng li th tn dung)

(1)

(1)

(7)

(5)

(3)

(6)

Ngan hang ben mua

(NH m th tn dung)

Ngan hang ben ban

(NH thanh toan)

(2)

Chng 5:(tt)

5.2.4.3. Thu tuc lap chng t , luan chuyen chng t va thanh toan


Ch ng 5 tt29

Chng 5:(tt)

(1)- Can c vao hp ong kinh te a ky ket vi ben ban, ben mua lap giay xin m th tn dung (lap 6 lien hoac 3 lien neu m bang ien, theo mau quy nh thong nhat) kem theo uy nhiem chi hoac n xin vay e trch tai khoan tien gi e trch tien gi hoac vay ngan han mot so tien phu hp vi gia tr gia hang hoa, dch vu can mua.


Ch ng 5 tt30

Chng 5:(tt)

(2)- Ngan hang ben mua sau khi a kiem tra cac yeu to tren cac lien cua giay m th tn dung neu tat ca eu hp le va ung th trch tai khoan cua ben mua (hoac cho vay) e chuyen vao tai khoan tien gi m th tn dung roi ghi them nhng yeu to can thiet, tnh ky hieu mat, ky ten ong dau ngan hang vao ni quy nh cua th tn dung roi gi cac lien 4,5,6, th tn dung en ngan hang ben ban ngay trong ngay. ong thi gi mot lien (lien 2) giay m th tn dung lam giay bao n cho ben mua.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(3)- Sau khi a kiem tra cac lien th tn dung do ngan hang ben mua gi en, a xac nh tnh hp le va an toan cua th tn dung th ngan hang ben ban gi mot lien giay m th tn dung cho ben ban e thong bao cho ben ban biet th tn dung a c m va a ien.

(4)- Nhan c th tn dung, ben ban can kiem tra cac ieu khoan trong th tn dung neu khong phu hp vi hp ong kinh te th yeu cau ben mua bo sung, sa oi. Neu a phu hp th tien hanh giao hang theo hp ong a quy nh phu hp vi ieu kien th tn dung.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(5)- Ngay sau o, ben ban lap bo chng t thanh toan gom: hoa n (tren hoa n phai co ch ky cua ai dien ben mua nhan hang hoa (ch ky cua n v van tai); van n va cac chng t khac trong th tn dung co noi ro; bang ke chng t (lap 4 lien).

Toan bo 4 lien bang ke kem theo cac chng t bo vao mot phong b va gi en ngan hang ben ban e thanh toan.

(6)- Nhan c bo chng t thanh toan, ngan hang ben ban kiem tra ngay neu co g sai sot khong phu hp vi th tn dung th t choi thanh toan hoac e ngh ben ben ban bo sung cho ay u. Ch khi nao a xac nh tnh hp le va ung an th tien hanh tra tien ngay cho ben ban (ghi Co tai khoan cua ben ban) roi gi 1 lien bang ke chng t lam giay bao Co cho ben ban.

Sau khi ngan hang ban lap giay bao n lien hang (3 lien) kem theo 2 bang ke chng t va cac chng t hoa n lien quan gi ngay cho ngan hang phuc vu ngi mua.


Ch ng 5 tt31

Chng 5:(tt)

(7)- Nhan c giay bao N, bang ke va cac chng t noi tren. Ngan hang m th tn dung se trch tien t tai khoan tien gi th tn dung (ghi n) va ghi co vao tai khoan thch hp thanh toan th tn dung. Sau o gi 1 lien bang ke va cac chng t hoa n, van n cho ben mua e hoan tat qua trnh thanh toan.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.5. The ngan hang

5.2.5.1. Khai niem

The NH la mot loai cong cu thanh toan

hien ai do NH phat hanh va ban cho

khach hang la cac n v va ca nhan,

e ho s dung trong thanh toan

tien mua hang hoa, dch vu... hoac rut tien mat tai cac

NH ai ly hay tai cac quay tra tien t ong


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Nhan hieu thng mai,

Thi han s dung the

Ten ngan hang phat hanh the

Ten Chu the,

So the

Cac yeu to c ban cua the tn dung


5 2 5 the nga n ha ng 5 2 5 1 kha i nie m

5.2.5. The ngan hang5.2.5.1. Khai niem

  • Vao nam 1996 Ngan hang Ngoai thng Viet Nam (VCB) a ket hp cung Ngan hang Nha nc trien khai lap at 2 chiec may rut tien t ong (ATM) au tien tai Ha Noi. T o ngay cang co nhieu ngan hang trien khai lap at may rut tien t ong tren toan quoc.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.5.2. Cac loai the ngan hang

The thanh toan (payment Card):

The tn dung (Credit Card)


5 2 5 2 ca c loa i the nga n ha ng tt

5.2.5.2. Cac loai the ngan hang( tt)

  • The thanh toan (payment Card):

    The thanh toan ap dung rong rai cho moi khach hang trong va ngoai nc vi ieu kien la khach hang phai lu ky tien vao mot tai khoan rieng tai ngan hang tc la phai ky quy trc tai ngan hang mot so tien (nhng c hng lai) va c s dung the co gia tr bang so tien ky quy o e thanh toan.


5 2 5 2 ca c loa i the nga n ha ng tt1

5.2.5.2. Cac loai the ngan hang( tt)

  • The tn dung (Credit Card)

    The tn dung la loai the ap dung cho nhng khach hang co u ieu kien c ngan hang phat hanh the cho vay von e thanh toan tien hang hoa, dch vu. oi vi nhng khach hang nay, sau khi ky hp ong tn dung vi ngan hang se c ngan hang cap cho mot the tn dung vi mot han mc tn dung theo thoa thuan c ghi vao bo nh cua the e thanh toan vi ngi ban. Sau khi s dung the khach hang phai tra n goc cho ngan hang phat hanh the trong thi gian quy nh. Nhng tre han th phai tra lai cho ngan hang.


5 2 5 3 nh ng o i t ng lie n quan e n pha t ha nh va s du ng the thanh toa n

5.2.5.3. Nhng oi tng lien quan en phat hanh va s dung the thanh toan

Ngan hang

thanh toan the:

Chu the

Ngan hang

phat hanh the

May rut

tien t ong

(ATM):

Giao dch the

n v chap

nhan the:

Ma so xac

nh Chu the (PIN):

Tai khoan the


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.5.3. Nhng oi tng lien quan

en phat hanh va s dung the thanh toan ( tt)

  • Chu the: La ngi c ngan hang phat hanh the cap the e s dung, bao gom Chu the chnh va Chu the phu.

  • Chu the chnh: La ngi ng ten xin c cap the va c ngan hang phat hanh the cap the e s dung.

  • Chu the phu: La ngi c cap the theo e ngh cua Chu the chnh.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.5.3. Nhng oi tng lien quan en phat hanh va s dung the thanh toan( tt)

Ngan hang phat hanh the: la ngan hang thiet ke cac tieu chuan ky thuat, mat ma, ky hieu... cho cac loai the thanh toan (ngi s hu the). o la cac cong ty, x nghiep, to chc va ca nhan co nhu cau s dung the thanh toan va c ngan hang phat hanh the chap nhan cho s dung cac loai the noi tren. Ngi s dung the phai tra ph cho ngan hang phat hanh the.


5 2 5 3 nh ng o i t ng lie n quan e n pha t ha nh va s du ng the thanh toa n tt

5.2.5.3. Nhng oi tng lien quan en phat hanh va s dung the thanh toan( tt)

  • Ngan hang thanh toan the: La ngan hang c ngan hang phat hanh the uy quyen thc hien dch vu thanh toan the theo hp ong; hoac la thanh vien chnh thc hoac thanh vien lien ket cua mot To chc the quoc te, thc hien dch vu thanh toan theo thoa c ky ket vi To chc the quoc te o. Ngan hang thanh toan the ky hp ong trc tiep vi cac n v chap nhan the e tiep nhan va x ly cac giao dch the tai n v chap nhan the, cung cap cac dch vu ho tr, hng dan cho n v chap nhan the.


5 2 5 3 nh ng o i t ng lie n quan e n pha t ha nh va s du ng the thanh toa n tt1

5.2.5.3. Nhng oi tng lien quan en phat hanh va s dung the thanh toan( tt)

  • n v chap nhan the: La to chc hoac ca nhan chap nhan thanh toan hang hoa hoac dch vu bang the theo hp ong ky ket vi ngan hang phat hanh the hoac vi ngan hang thanh toan the.

  • May rut tien t ong (ATM): La thiet b ma Chu the co the s dung e rut tien mat hoac tiep nhan mot so dch vu khac do ngan hang phat hanh the hoac ngan hang thanh toan the cung cap.


5 2 5 3 nh ng o i t ng lie n quan e n pha t ha nh va s du ng the thanh toa n tt2

5.2.5.3. Nhng oi tng lien quan en phat hanh va s dung the thanh toan( tt)

  • Giao dch the: La viec Chu the s dung the e thanh toan tien hang hoa, dch vu cho n v chap nhan the hoac e rut tien mat.

  • Ma so xac nh Chu the (PIN): La ma so mat ca nhan do ngan hang phat hanh the an nh cho moi the va c s dung trong mot so loai hnh giao dch the.

  • Tai khoan the: La tai khoan cua Chu the chnh do ngan hang phat hanh the m va quan ly, Chu the phu s dung cung mot tai khoan the vi Chu the chnh.


Ch ng 5 tt32

(6)

Ngan hang

phat hanh the

Ngan hang

thanh toan the

(7)

Quay tra tien t ong ATM

(1a)

(1b)

(8)

(3)

(5)

(4)

Ngi s dung

the thanh toan

(3)

Ngi tiep nhan

thanh toan bang the

(2)

Chng 5:(tt)

5.2.5.4. Qua trnh thanh toan bang the thanh toan


Ch ng 5 tt33

Chng 5:(tt)

  • Chu thch:

    (1a) Cac n v, ca nhan (ngi s dung the) theo yeu cau giao dch thanh toan, lien he vi ngan hang phat hanh the hoac ky quy hoac xin vay e c s dung the thanh toan

    (1b) Ngan hang phat hanh the phat hanh va cung cap the thanh toan cho khach hang theo tng loai cho phu hp vi oi tng va ieu kien a quy nh. Sau khi a x ly ky thuat, ky hieu mat ma va thong bao bang he thong thong tin chuyen biet cho cac ngan hang thanh toan the va cac c s tiep nhan the.


Ch ng 5 tt34

Chng 5:(tt)

(2) Ngi s dung the lien he va mua hang hoa dch vu cua cac cong ty, x nghiep ong y tiep nhan thanh toan bang the. ong thi giao the e ngi tiep nhan ky hieu mat ma, oc the va lap chng t thanh toan bang may chuyen dung.

  • Neu la the gia mao hoac b thong bao cam lu hanh hoac b thong bao mat th ngi tiep nhan khong chap nhan thanh toan ong thi thu gi tang vat va trnh bao c quan Cong an e x ly


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

(3) Ngi s dung the cung co the e ngh ngan hang thanh toan the cho rut tien mat hoac t mnh rut tien tai may tra tien t ong.

(4) Trong pham vi mi ngay lam viec n v tiep nhan the can nop bien lai vao ngan hang ai ly e oi tien kem theo cac hoa n chng t hang hoa co lien quan.

(5) Trong pham vi mot ngay lam viec ke t khi nhan c bien lai va chng t hoa n cua ngi tiep nhan nop vao, Ngan hang thanh toan the tien hanh tra tien cho ngi tiep nhan theo so tien a phan anh bien lai bang cach ghi Co vao tai khoan cua ngi tiep nhan the hoac cho lnh tien mat... (neu bien lai c lap t nhng the a c Ngan hang phat hanh the yeu cau nh ch thanh toan th ngi tiep nhan the phai chu thiet hai).


Ch ng 5 tt35

Chng 5:(tt)

(6) Ngan hang thanh toan the lap bang ke va chuyen bien lai a thanh toan cho ngan hang phat hanh the.

(7) Ngan hang phat hanh the hoan lai so tien ma ngan hang thanh toan the a thanh toan tren c s cac bien lai hp le.

(8) Khi s dung the khong con s dung hoac a s dung het so tien cua the... th hai ben ngan hang phat hanh va ngi s dung se hoan tat quy trnh s dung the (tra lai tien ky quy con tha, tra n ngan hang, bo sung han muc mi...)


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.2.6. Thanh toan bang ngan phieu thanh toan

  • Ngan phieu thanh toan la mot phng tien thanh toan thay the tien mat trong thi gian trc ay, tai cong van so 30/VC-NH1 ngay 21/1/1995, Thong oc NHNN a quy nh khong thu ph dch vu oi ngan phieu thanh toan lay tien mat va ngc lai.

  • T 01/04/2002 ngan phieu do Ngan hang Nha nc phat hanh a khong con gia tr thanh toan.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

Chng 5:(tt)

5.2.6. Thanh toan bang ngan phieu thanh toan( tt):

-Ngay 19/12/2005 NHNNVN a ban hanh Quyet nh

so 1839 ve viec thu oi ngan phieu thanh toan qua han lu hanh.

- Noi dung chnh la chap nhan oi ngan phieu thanh toan qua han lu hanh en het nam 2007 vi mc ph 5%.


Ch ng 5 tt36

Chng 5:(tt)

5.2.7. Thanh toan ien t

5.2.7.1. Khai niem

Thanh toan ien t (con goi la thng mai ien t)

la mot khai niem dung e ch qua trnh mua va ban mot san pham (hu hnh)hoac dch vu (vo hnh) thong qua mot mang ien t (electronic network), phng tien trung gian (medium) pho bien nhat cua thanh toan in t la thong qua Internet.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.7. Thanh toan ien t ( tt):

5.2.7.1. Khai niem ( tt):

-Dch v NH ien t la cac nghiep vu, cac san pham dch vu NH truyen thong trc ay c phan phoi ren cac kenh mi nh Internet, mang khong day

- Dch v NH ien t ton tai di hai hnh thc: hnh thc NH trc tuyen, ch ton tai da tren moi trng mang Internet,va mo hnh ket hp gia he thong NHTM truyen thong va ien t hoa cac dch vu truyen thong,tc la phan phoi nhng san pham dch vu cu tren nhng kenh phan phoi mi.

NH ien t tai Viet Nam chu yeu phat trien theo mo hnh nay.


Ch ng 5 he tho ng thanh toa n kho ng du ng tie n ma t ta i vie t nam

5.2.7.2. Mot so dch vu ngan hang ien t

- Hien nay dch vu ngan hang ien t c cac ngan hang thng mai Viet Nam cung cap qua cac kenh chnh sau ay: ngan hang tai nha (home-banking, Internet-banking); ngan hang t ong qua ien thoai (Phone-banking, mobile banking); ngan hang qua mang khong day (Wireless-banking)


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

  • oi vi dch vu PC-banking, tren th trng mi ch co vai ngan hang thng mai cung cap dch vu ngan hang tai nha home-banking (Vietcombank, Incombank, ACB, Eximbank...) va 2 ngan hang nc ngoai la ANZ va Citibank cung cap.

  • Dch vu Phone-banking, co cac ngan hang cung cap la VCB, ACB, Techcombank, HSBC, ANZ va Citibank

  • Dch vu Mobile-banking co ngan hang Incombank, ACB va Techcombank,


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt1

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th nhat: Dch vu NH tai nha (home-banking):

- Home-banking la kenh phan phoi dch vu cua NH ien t, cho phep khach hang thc hien hau het cac giao dch

chuyen khoan vi NH (ni khach hang m tai khoan) tai nha, tai van phong cong ty ma khong can en NH.

Khau hieu Dch vu NH 24 gi moingay, bay ngay moi tuan chnh la u the ln nhat ma mo hnh NH

hanh chnhtruyen thong khong the nao sanh c.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt2

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th nhat: Dch vu NH tai nha (home-banking): ( tt)

Bc 1: Thiet lap ket noi.

  • Khach hang ket noi may tnh cua mnh vi he thong may tnh cua ngan hang qua mang Internet, sau o truy cap vao trang web cua ngan hang phuc vu mnh (hoac giao dien ngi s dung cua phan mem). Sau khi kiem tra va xac nhan khach hang (User ID, Password), khach hang se c thiet lap mot ng truyen bao mat (https) va ang nhap (login) vao mang may tnh cua ngan hang.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt3

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th nhat: Dch vu NH tai nha (home-banking):( tt)

Bc 2: Thc hien yeu cau dch vu.

  • Dch vu NHT rat phong phu va a dang, co the la truy van thong tin tai khoan, thiet lap nghiep vu chuyen tien, huy bo viec chi tra sec, thanh toan ien t va rat nhieu cac dch vu trc tuyen khac.

  • Tren website (hoac giao dien ngi s dung) co san he thong Menu chon la va hng dan cu the cac bc e thc hien qua trnh giao dch. Tat ca moi viec khach hang phai lam ch la chon dch vu, cung cap thong tin theo yeu cau cua dch vu va cua ngan hang.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt4

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th nhat: Dch vu NH tai nha (home-banking):( tt)

Bc 3: Xac nhan giao dch, kiem tra thong tin va thoat khoi mang (thong qua ch ky ien t, xac nhan ien t, chng t ien t ):

  • Khi giao dch c thc hien hoan tat, khach hang kiem tra lai giao dch va thoat khoi mang, nhng thong tin chng t can thiet se c quan ly, lu tr va gi ti khach hang khi co yeu cau.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt5

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th 2: Dch vu ngan hang t ong qua ien thoai (Phone-banking)

  • Phone-banking la he thong t ong tra li hoat ong 24/24, khach hang nhan vao cac phm tren ban phm ien thoai theo ma do ngan hang quy nh trc, e yeu cau he thong tra li thong tin can thiet.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt6

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th 2: Dch vu ngan hang t ong qua ien thoai (Phone-banking) ( tt):

- Qua Phone-banking, khach hang co the s dung rat nhieu dch vu NH nh: hng dan s dung dch vu, gii thieu thong tin ve dch vu ngan hang, cung cap thong tin tai khoan va bang ke cac giao dch, bao n, bao co, cung cap thong tin NH nh lai suat, ty gia hoi oai, chuyen tien, thanh toan hoa n va dch vu ho tr khach hang,..thc hien moi luc moi ni ke ca ngoai gi hanh chnh.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt7

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th 3: Dch vu ngan hang qua ien thoai di ong (TD) (Mobile-banking) ( tt):

  • Mobile - banking la mot kenh phan phoi san pham dch vu ngan hang qua he thong mang ien thoai di ong. Ve nguyen tac, ay chnh la quy trnh thong tin c ma hoa, bao mat va trao oi gia trung tam x ly cua ngan hang va thiet b di ong cua khach hang (TD, Pocket PC, Palm).

  • Dch vu nay a c Ngan hang A Chau va Ngan hang ky thng trien khai trong vai nam gan ay, va cac ngan hang khac cung a va ang bat au xay dng he thong va cung ng dch vu Mobile-banking do tnh chat thuan tien, nhanh chong ac trng cua no.


5 2 7 thanh toa n ie n t tt 5 2 7 1 kha i nie m tt8

5.2.7. Thanh toan ien t ( tt):5.2.7.1. Khai niem ( tt):

Th 3: Dch vu ngan hang qua ien thoai di ong (TD) (Mobile-banking)

  • V du: Dch vu Mobile -banking

  • cua NHTMCP A Chau:

  • Dch vu cung cap thong tin san pham dch vu NH nh ty gia, gia chng khoan

  • Dch vu cung cap thong tin tai khoan ca nhan, so d, bang ke giao dch, so d lu ky chng khoan, thong bao so d t ong


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