n8-Phuong Thuc Thanh Toan Cad
Transcript of n8-Phuong Thuc Thanh Toan Cad
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BI THUYT TRNH:
GVHD: Mai Th Linh
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Ni dung thuyt trnh:1. Khi nim v phng thc2. Quy trnh thc hin3. B chng t ca phng thc CAD4. Cc bn tham gia cng vi quyn v ngha
v ca mnh5. u nhc im ca phng thc6. iu kin p dng phng thc7. im khc bit c bn
8. V tr ca CAD
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1. Khi nimPhng thc CAD (giao chng t tr tin
ngay) l phng thc thanh ton trong
nh NK yu cu NH phc v mnh m tikhon tn thc thanh ton tin cho nh XKvi iu kin nh XK xut trnh nhng chng
t theo yu cu c tha thun cho NH c thanh ton tin.
PHNG THC I CHNG TTR TIN(CAD)
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Ngn hng ncxut khu.
i din ca nhnhp khu nc
xut khu
Nh xut khu.
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3
4 6
2. Quy trnh thanh tonKhi cc bn tham gia c cng quan h vi mt ngn hng (thng l NH phc v
nh XK):
5
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PHNG THC I CHNG TTR TIN(CAD)
2. Quy trnh thanh ton
Bc 1: Nh NK yu cu NH m chomnh mt ti khan tn thc, s d ti khanbng 100% tr gi hp ng v n cdng thanh ton cho nh XK, theo ngbn ghi nh (Memorandum) tha thungia nh NK v NH .
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Bn ghi nh s l c s ngn hng dch v trtin,theo ch th ca ngi nhp khu khi thchin thanh ton bng phng thc CAD
Ni dung bn ghi nh:
-Nh nhp khu cam kt k qu 100% tr gica thng v.- Cc chng t m ngi xut khu phi xut trnhkhi lnh tin ngn hng.- Thi hn thanh ton.- Mc ph dch v m ngn hng c hng v ai
phi tr ph ny (thng nh xut khu phi tr).
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PHNG THC I CHNG TTR TIN(CAD)
2. Quy trnh thanh ton
Bc 2: NH bo cho nh XK rng nhNK k qu, ti khon k thc bt uhot ng.
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PHNG THC I CHNG TTR TIN(CAD)
2. Quy trnh thanh ton
Bc 3: Nh XK giao hng cho nh NKdi s kim sot ca i din nh NK (representative of the buyer) ti nc ngiXK.
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PHNG THC I CHNG TTR TIN(CAD)
2. Quy trnh thanh ton
Bc 4:
Nh XK xut trnh cho NH bchng tu m nh NK yu cu rt tin.
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PHNG THC I CHNG TTR TIN(CAD)
2. Quy trnh thanh ton
Bc 5:
NH kim tra tnh hp l ca bchng t v tr tin cho nh XK.
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PHNG THC I CHNG TTR TIN(CAD)
2. Quy trnh thanh ton
Bc 6: NH giao b chng t cho ngii din ca nh nhp khu.
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V D :
Cng ty nhp khu go StarwoodInternational ca M k hp ng vi cngty Mai Thnh ca Vit Nam vo ngy
21/11.Cng ty Starwood International smua 1000 tn go 5% tm vi gi1200USD/ tn, ng gi ti 10 kg, 20 kg.
NH VN l NH Agribank.
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Ngn hng VN(Agribank).
i din cty NKStarwood VN
Cty Mai Thnh.
1245
3
6
Quy trnh thanh ton
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Quy trnh thanh ton
Bc 1: Cty StarwoodInternational n NH AgribankVN k 1 bn ghi nh, ngthi thc hin k qu 1,2 t USD lp ti khon k thc.
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Bc 2:NH Agribank bo cty MT rngcty Starwood International k qu,ti khon k thc bt u H.
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Bc 3: Cty giao hng cho cty StarwoodInternational di s kim sot ca i
din cty Starwood International ti VN.
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Bc 4: Cty MT xut trnh cho NHAgribank b chng t m cty Starwood
International yu cu rt tin.
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Bc 5:NH Agribank kim tra tnh hpl ca b chng t v tr tin cho cty
MT.
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Bc 6:NH Agribank giao b chngt cho ng i din cty Starwood
International.
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PHNG THC I CHNG T TR TIN (CAD)
3. B chng t ca phng thc CAD Khi hng ha c giao trc tip cho nh NK
- Th xc nhn giao hng cho nh NK,c i din ncXK cp.- Bn sao vn n v ha n thng mi c xc nhn canh NK ti nc XK- 3 bn vn n gc- Ha n thng mi- Giy chng nhn cht lng hng ha- Giy chng nhn s lng v trng lng hng ha
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PHNG THC I CHNG T TR TIN(CAD)
3. B chng t ca phng thc CADphng thc tr ngay sau khi giao hng cho ngoiquan-Th xc nhn giao hng cho nh NK c i din ncXK cp-Bn sao ca ha n giao nhn hng ha c xc nhn cangi i din nh NK-Ha n thng mi gm 3 bn sao c xc nhn bi idin ca nh NK-Bin bn nhn hng ca kho ngoi quan trn c xc nhnv ch k ca ngi i din bn nh NK-Th yu cu chuyn tin ca nh NK t ti khon tn thc
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4. Cc bn tham gia cng vi quyn v ngha vca mnh
Bn thamgia
Quyn Ngha v
nh nhpkhu
Yu cu NH mcho mnh mtti khon tnthc, s d tikhon bng100% gi tr
hp ng thanh ton chonh XK
Phi hon thnh y ngha vthanh ton cho nh XKNh NK s tr tin trc cho nhXK mt s tin t 10%-30% gi trhp ng.Sau khi ngn hng thng bo l
nhn chng t t nh XK th nhNK c ngha v l tr nt ht s tincn li cho NH nhn c bchng t giao hng.
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Bntham
gia
Quyn Ngha v
nhxutkhu
-c nhn tin hng-TH nh NK khng honthnh ngha v thanh ton
th nh XK c quyn yucu NH bn nh NK phitr li b chng t giaohng tm cch bn l
hng cho DN khc hocyu cu hng tu ti xut lhng i nc khc hoc trli bn nc XK.
Nh XK sau khi c NHthng bo l gia h vbn nh NK tha thun
k kt mt hp ng thnh XK c ngha v lgiao hng cho nh NKtheo ng tha thun
trong hp ng, lpchng t xut trnh choNH.
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Bnthamgia
Quyn Ngha v
NH bnnh XK
Nhn ph khilm trunggian thanh
ton
-Ti tr cho nh XK thc hinthng mi quc t.- Tin hnh kim tra b chng t
thanh ton hng xut theo yu cutrong bn ghi nh nu thy phhp th thanh ton ghi c ti khonca nh XK v ghi n vo ti
khon k qu ca nh NK.- NH s chuyn chng t cho nhNK thng qua NH phc v nh NK nh NK i nhn hng.
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5. u nhc im ca phng thc u im:- i vi chuyn tin CAD nhp khu:
+Phng thc thanh ton ny rt c a chung v khph bin trn th gii vth tc t phc tp v t ri ro chonh NK.+ Cc DN NK khng chn phng thc thanh ton nhthuhoc chuyn tin bng in m thanh ton theo CAD sgip cc doanh nghip c chi nhn c chng t nhanhchng v tng cng mi quan h tt p vi cc i tc XK
do vic thanh ton din ra tc th.+ Th tc thanh ton n gin (ch cn chuyn tin voti khon k thc).+ Rt ngn thi gian thanh ton do vic x l chng t n
gin v trc tip.
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5. u nhc im ca phng thc u im:- i vi chuyn tin CAD xut khu:
+ Phng thc ny c a chung v nh XK nhn c tinnhanh (v ch khi nh NK chuyn tin k qu, th NH mithng bo cho nh XK giao hng) v th tc t phc tp.
+ Cc DN XK s dng phng thc ny s gip rt ngn thigian nhn tin do vic x l chng t n gin v trc tip bimt NH phc v nh XK.
+ Th tc thanh ton n gin (v NH thanh ton cho nh XK ch
yu cn c vo loi chng t phi xut trnh ch khng kim trani dung ca tng chng t nh phng thc LC)
+ Chi ph thp (do th tc thanh ton nhanh).
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5. u nhc im ca phng thcNhc im:- Nh NK phi c i din hay chi nhnh nc nh XK
v phi xc nhn hng ho trc khi gi.
- Nh NK phi k qu thc hin phng thc ny nn
s dn n vic ng vn NH.- Ch p dng khi hai bn phi tin tng ln nhau v hngha thuc li khan him.
- Mt s i tng xu gi danh lm bn nhp khu tm
cch v hiu ha phng thc CAD lm bn XK mttrng l hng.
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6. iu kin p dng phng thc
- Ngi mua v ngi bn c quan h mua bntt, tin tng ln nhau.
-p dng trong mua bn nhng mt hng khanhim
-- p dng phng thc tr tin ngay- p dng
trong trng hp ngi mua c i din ncxut khu gim st qu trnh giao hng
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Tiu ch Chuyn
tin.
Nh thu. CAD
Thi imgiao hng v
chng t.
Cng lc - Nh thu trn:cng lc.
- Nh thu km
chngt:giao hngtrc, giaochng t sau.
Giao hngtrc giaochng t sau.
7. iM KHC BiT C BN
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Tiu ch Chuyn tin. Nh thu. CAD
i vinh
XK
-Tr trc tin hngc giao cho
nh XK trc khinh XK giaohng => c licho nh XK.
-Tr sau : tin hngc th khngc thanh ton,thanh ton chmhoc khng y
=> ri ro chonh XK.
-Nh thu trn nh NKc th c chim
dng vn, thanh tonchm, thiu, t trithanh ton => ri rocho nh XK-Nh thu km chngt: bo v c li chca nh XK, trnhc tnh trng b nhXK chim dng vn
chm thanh ton,thanh ton khng y hoc t chi thanhton=> c li cho nhXK.
-Trong trnghp gi hng
ha tng hocb i tc KDkhng trungthc trongkhu chuyntin=> ri rocho nh XK.
-Giao hng xongnhn tin
ngay=> c licho nh XK.
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Tiu ch Chuyn tin. Nh thu. CAD
i vi
nh nhpkhu
Tr trc: TH chuyn
tin trc khi giaohng nh NK s c thgnh phi ri ro nuhng khng c giaong thi hn ng
cht lng hoc slng => ri ro chonh NK.
Tr sau cho n khi nhnc hng ng yucu th mi chuyntin c li cho nh
NK.
Nh nhp
khu chaphi thanhton tin hngnhng nmgi c
chng t nhn hng tnh chuynch c li chonh XK.
Nh NK thit
hi khi nh XKkhng giaohng khi tingi NH khngc gi li
xut => ri rocho nh NK.
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7. V tr ca CADBiu tin cy v ph tn gia nh NK v nh XK
tin cycao
Hi phiu, Sc, Kphiu, phng thc ng
trc, ghi s,chuynkhon
Ph tnthp
Vai tr caNgn hng
thp
Giao chng t tr tinngay(CAD)
P
hng thc nh thu
tin cythp
Phng thc tn dngchng t(L/C)
Ph tn cao Vai tr caNgn hng
cao
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an ton v ri ro ca cc phng thc
Nh
xutkhu
An tonnhtPhng thcng trc Ri ro nht
Nh
nhpkhu
Phng thcgiao chng t
trtin ngay(CAD)Phng thctn dng th
(L/C)Phng thc
nh thuRi ro
nht
An ton
nht
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Gii php hn ch ri ro
- C ngn hng ln nh xut khu cnnhanh ngy nm bt thng tin v tintrnh thanh ton, trnh thit thn- Cn kim tra nghim ngt ni dungbn ghi nh- Nh nhp khu c th c i din ca
mnh kim tra b chng t ngn hngnc xut khu trc khi bn xut lytin hn ch ri ro.
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Cu hi trc nghim:
Cu 1: Phng thc thanh ton CADc li cho bn no?
A. Nh nhp khuB. Nh Xut khuC. Ngn hng nc xut khu
D. C A & B
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Cu 2: iu kin p dng phng thcthanh ton CAD?
A. Ngi mua v ngi bn c quan hmua bn khng tt
B. Mua bn nhng mt hng thng thngC. p dng cho phng thc tr tin ngayD. Trng hp ngi mua khng c i
din nc xut khu
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Cu 3: Nh XK xut trnh chng t cho
Nh yu cu xin thanh ton l bc thmy trong quy trnh thanh ton CAD
A.Bc 3B.Bc 4C.Bc 5
D.Bc 6
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Cu 4.C nhng bn no tham gia trongphng thc thc thanh ton CAD 1 bn?
A. Nh NK, nh XK, NH nc XK, NH nc NK.
B. Nh NK, i din ca nh XK nc NK,NH nc XK.C. Nh NK, i din ca NK nc XK, NH nc NKD. Nh XK, i din ca nh NK nc XK,NH nc XK
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Cu 5. NH v nh NK s tha thun
l vi nhau qua loi giy t g?
A.B chng tB.Bng ghi nhC.Ha n thng mi
D.Th xc nhn
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CM N C V CC BN
THEO DI