Hi phiu l t mnh lnh v iu kin do mt ngi k pht i tin ngi khc bng vic yu cu ngi ny, khi nhn thy hi phiu hoc n 1 ngy nht nh, phi tr mt s tin nht nh cho ngi hng li quy nh trn hi phiu,hoc theo lnh ca ngi ny tr cho ngi khc, hoc tr cho ngi cm phiu.

I. Hi phiu: 1. Khi nim

2. c im ca hi phiu: Hi phiu c 3 c im a) Tnh tru tng Trn hi phiu khng ghi ni dung quan h tn dng, ch ghi r s tin phi tr v nhng ni dung c lin quan n vic tr tin. Mt khi tch khi hp ng v nm trong tay ngi th ba th HP tr thnh mt tri v c lp, ch khng phi l 1 tri v sinh ra t hp ng. Hay ni cch khc, ngha v tr tin ca HP l tru tng.

* Tnh bt buc: Ngi tr tin hi phiu phi tr tin theo ng ni dung ghi trn t phiu, tr trng hp hi phiu c lp ra tri vi o lut chi phi n.

* Tnh lu thng: Hi phiu c th c chuyn nhng mt hay nhiu ln trong thi gian ca n . S d c c c im ny, bi v hi phiu l lnh i tin ca mt ngi ny, i vi ngi khc, hi phiu c 1 tr gi tin nht nh, c mt thi hn nht nh, thi hn ny thng l ngn v c ngi tr tin chp nhn.

3. Hnh thc ca hi phiu.Mu 1: Hi phiu s dng trong phng thc tn dng chng t.No (2).. For (7). BILL OF EXCHANGE (1)

Place (3),date (4). At (5).sight of this first of exchange Second of the same tenor and date being unpaid (6) Pay to the order of..(10)... The Sum of (7) Value received as per our invoice (s) NoDated.(11) Drawn under..(12) Inrevocable L/C No..Dated(13) To(8).. Drawrs singnature(9)

Mu 2: Hi phiu s dng trong phng thc nh thu

No (2).. For (7).

BILL OF EXCHANGE (1)

Place (3),date (4). At (5).sight of this first of exchange Pay to the order of..(10).. The Sum of (7) To(8).. Drawrs signature (9)

4.Ni dung ca hi phiu: Theo ULB,mt hi phiu c gi tr cn bao gm cc ni dung ch yu sau: (1)Tiu hi phiu (2)S hiu hi phiu(Number/no) (3)a im k pht hi phiu(Place of issue) (4)Ngy k pht hi phiu(Day of issue) (5)Thi hn tr tin(Time of payment) (6)Mnh lnh thanh ton v iu kin (7)S tin(Amount) (8)Ngi tr tin hi phiu(Drawee) (9)Ngi k pht hi phiu(Drawer) (10)Ngi th hng hi phiu (11)Ha n(Invoice) (12)c k pht (13)Th tn dng

5. Chp nhn hi phiu Chp nhn hi phiu l hnh thc cam kt m bo thanh ton ca ngi tr tin i vi hi phiu khi n hn thanh ton. - Hi phiu c chp nhn khi n hn tr tin th ngi tr tin phi c ngha v thanh ton ng hn tr gi s tin ghi trn hi phiu, nu khng s chu trch nhim trc php lut. - Ngi chp nhn hi phiu: L ngi tr tin hi phiu.

- K thut chp nhn: + Chp nhn hi phiu c thc hin ngay trn vn bn mt trc gc bn tri, pha di ca t hi phiu TO + Nu mt trc y kn, ngi chp nhn tr tin c th k mt sau hoc bng mt vn bn thng bo chp nhn. + Ghi ch chp nhn: S dng Acceptance/Accepted. + K tn: VD: To: ACD Ltd.Co.154 112 WONDAI STREET TAEGV CITY. KOREA. Acceptance. Signature

- Mt s hi phiu in sn (do NH pht hnh) c in sn mt phn dnh ring cho ngi tr tin k chp nhn. - Thi hn chp nhn + Nu hai bn quy nh r th h phi c xut trnh chp nhn trong thi hn . + Nu hai bn khng quy nh th ULB quy nh thi gian l 12 thng k t ngy k pht hi phiu.

ngha: Mt hi phiu sau khi c chp nhn, s a ngi tr tin cam kt thanh ton, lm tng uy tn ca HP, nn HP c d dng lu thng chuyn nhng v chit khu ti NH.

6. K hu hi phiu: K hu hi phiu: L th tc chuyn giao quyn s hu hi phiu t ngi ny sang ngi khc. - Hi phiu c chuyn nhng t ngi ny sang ngi khc khi n hn thanh ton, ngi tr tin s thanh ton cho ngi th hng, ngi c chuyn nhng nhng ngi cm hi phiu. - Ngi k hu: L nhng th hng, ngi ang s hu hi phiu.

- K thut k hu: Vic k hu hi phiu c thc hin ngay trn vn bn hi phiu bng cch ngi k hu c chuyn nhng vo mt sau ca t hi phiu v trao cho ngi c chuyn nhng. C th: Pay to the order of: Cotibank,Neuyork For: ACD Bank Signature

- Yu cu: + Vic chuyn nhng c tin hnh trong thi gian hiu lc thanh ton ca hi phiu. + Vic chuyn nhng phi c tin hnh n gin, r rng + Vic chuyn nhng ch c p dng vi loi hi phiu theo lnh tc l trn hi phiu c ghi cu Pay to the order of + Hi phiu c chuyn nhng bao nhiu ln th mt sau hi phiu c by nhiu dng k hu.

7. Bo lnh hi phiu: Bo lnh hi phiu l s cam kt thanh ton hi phiu ca ngi th ba i vi ngi th hng khi hi phiu n hn thanh ton. Thng thng thu ph s bo lnh. Khi n hn thanh ton, ngi tr tin khng thanh ton th ng nhin nhng bo lnh s ng ra thanh ton hi phiu.

8. Khng ngh hi phiu: - Khng ngh hi phiu l mt vn bn chnh thc v vic hi phiu v xut trnh hon thnh hp l nhng khng c chp nhn v khng c thanh ton. - Bn khng ngh phi do ngi hng li lp ra trong thi hn hai ngy, k tip sau ngy ht hn nhng hi phiu. Sau khi lp xong bn khng ngh, trong vng bn ngy, ngi b t chi thanh ton phi bo co cho ngi chuyn nhng trc tip i tin v i bt k ngi no k hu chuyn nhng hi phiu v i ngi k pht hi phiu.

9. Chit khu hi phiu: Chit khu l hi phiu l hnh thc tn dng ngn hn c tin hnh bng cch Ngn hng mua li hi phiu trc khi hi phiu n hn, thanh ton vi mt s tin nh hn gi tr hi phiu. Chnh lch gia hai s tin ny chnh l li tc chit khu, hoa hng chic khu m Ngn hng c hng khi hai bn ng , nhng hng li hi phiu s thc hin nghip v k hu chuyn nhng hi phiu cho Ngn hng.

II/SC: 1. Khi nim:- Sc l mnh lnh tr tin v iu kin do ch ti khon k pht yu cu Ngn hng trch tin tr ti khon ca mnh tr cho ngi cn sc hoc ngi c tn trn sc hoc tr theo lnh ca ngi ny. - Trong thanh ton Quc t ,sc c s dng rng ri trong thanh ton v hng ha , cung ng dch v lao ng, du lch.

2. Ni dung sc:Place (2) CHECK (1) Date (3).. (4) Pay to the order of:.. The sum of (5)./USD (6) Citi bank Singapore Drawers signature(7)

789500004532

Mt t sc phi c nhng bt buc ni dung sau: (1) Tiu : Trc ht phi c tiu sc, nu khng c t chi thanh ton. (2) a im pht hnh sc (3) Ngy thng nm pht hnh sc (4) Sc l mnh lnh thanh ton v iu kin (5) S tin: Ghi r rng, ghi bng s v bng ch (6) Ngn hng pht hnh sc (7) Tn a ch, ch k ca ngi pht hnh (8) Tn, a ch ngi th hng v ti khon (nu c) (9) S s ri

3. Nhng ngi lin quan n sc

* Ngi k pht hnh sc:L ngi ch ti khon tin gi ti Ngn hng, l ngi mua, ngi mc n, pht hnh sc tr n. * Ngn hng thanh ton:L ngi trch tin t TK ca ngi pht hnh sc tr cho ngi c hng sc. * Ngi th hng sc:L ngi ghi tn trn t sc sau cm tr Pay to the order of. Ngi th hng s c thanh ton ng s tin trn t sc, l ngi cm sc.

4. Thi hn hiu lc ca sc: - T sc khi c pht hnh ch c gi tr thanh ton trong thi gian hiu lc ca n. Qu hn np sc vo Ngn hng c thanh ton th t sc s khng c ghi. - Thi gian hiu lc ca sc c tnh t ngy thng pht hnh sc v c ghi r trn t sc. - Theo ULC qui nh: + 8 ngy lm vic nu sc lu thng trong 1NC + 20 ngy lm vic nu sc lu hnh gia cc nc trong 1 Chu lc + 70 ngy lm vic nu sc lu nhng khc Chu lc - Theo lut Anh v M th khng quy nh thi hn hiu lc thi hn ca sc m phi xut trnh sc trong thi hn hp l do Ngn hng xc nh. Trong thi gian hiu lc, sc c lu thng nhng cho ngi khc thng qua th tc k nhn ging nhau hi phiu.

5. Cc loi sc: 5.1. cn c vo tnh lu chuyn ca sc: - Sc ch danh: L loi sc c ghi tn ngi hng li nhng khng theo lnh ca v hng li ny. - Sc v danh - Sc theo lnh: L loi sc ghi tr theo lnh ca ngi hng li c ghi r trn t sc .

5.2. Cn c vo c im s dng sc: - Sc gch cho O: c 2 gch cho //, khng dng rt TM, dng chuyn khon qua ngn hng. - Sc xc nhn: - Sc du lch: Cho php khch du lch thanh ton cho cc dch v, ch c a vo lu thng khi Ngn hng thanh ton nhn c s tin tng ng ca sc

III. Th ngn hng: Khi nim &m t k thut: * Khi nim: Th thanh ton hay th chi tr l mt phng tin thanh ton tin hng ha, dch v m khng dng tin mt hoc c th c dng rt tin mt ti cc NH i l hoc cc my rt tin t ng. * M t k thut: - Hu ht cc loi th quc t hin nay u bng nha cng (plastic) c hnh ch nht, chung mt kch thc c 96mm x 54mm x 0,76mm, c gc trn gm 2 mt.

Mt trc ca th bao gm: (1) Cc huy hiu ca t chc pht hnh th, tn th: Visa, Master Card, American Express . (2) Biu tng ca th: Biu tng Visa hnh con chim b cu ang bay. Biu tng Master Card: 2 phn Phn c in hnh nh qu a cu Phn cn li gm 2 vng trn vng an xen nhau (3) S th: s c dp ni ln trn th, s ny s c in li trn ha n khi ch th i mua hng.

(4) Ngy hiu lc ca th: 2 cch ghi - T ngy .. n ngy. - Ngy hiu lc cui cng ca th. (5) H v tn ch th: In bng ch ni, th khng c chuyn nhng nn: + Nu l tn c nhn: l th c nhn. + Nu l tn cng ty v tn ngi y quyn s dng th: Th cng ty. (6) S mt m t pht hnh: Khng bt buc. (7) Trn mt trc cn c 1 s c im ring ca tng loi th.

(4) Ngy hiu lc ca th: 2 cch ghi - T ngy .. n ngy. - Ngy hiu lc cui cng ca th. (5) H v tn ch th: In bng ch ni, th khng c chuyn nhng nn: + Nu l tn c nhn: l th c nhn. + Nu l tn cng ty v tn ngi y quyn s dng th: Th cng ty. (6) S mt m t pht hnh: Khng bt buc. (7) Trn mt trc cn c 1 s c im ring ca tng loi th.

Vd: Th Visa lun c ch V in sau ngy hiu lc. Mt sau ca th: (1) Dy bng t c kh nng lu tr nhng thng tin sau: + S th. + Ngy hiu lc. + Tn ch th. + Tn ngn hng pht hnh. + M s b mt c nhn. (2) Bng ch k. (3) S ca th cn c th in li 1 ln na.

2) Cc loi th: * Cn c vo cng dng th gm c: - Th rt ATM. - Th thanh ton. 3) Nhng li ch ca th: 3.1) i vi ngi s dng th. + Thun tin s dng v qun l dch v ngn hng. + An ton, nhanh chng, n gin. + Hng ph dch v u i.

3.2) i vi ngn hng pht hnh th. + NH c th cung ng nhng dch vj thanh ton mi, thun tin cho KH m khng phi u t nhiu v h tng cng ngh. 3.3) i vi ngn hng thanh ton th. + c hng hoa hng + a dng ha cch thc thanh ton, dn n c nhiu khch hng hn

IV) Phiu du lch. 1. Khi nim: Phiu du lch l chng t chng minh vic thanh ton trc ca khch du lch cho mt s dch v du lch hoc tt c cc dch v hng ha c trong chng trnh du lch m h s c s dng trong chuyn hnh trnh du lch. 2. Hnh thc ca phiu du lch. Phiu du lch thng do cc doanh nghip gi khch pht hnh theo nhng mu in sn, khi s dng ch cn in thm nhng ni dung cn thit.

3. Ni dung ca phiu du lch. Ni dung ca phiu du lch thng thng bao gm : + Tiu : Travel voucher, Hotel service voucher. + Tn, a ch, biu tng, s in thoi ca s s pht hnh voucher. + Tn, a ch ca c s m phiu du lch c n nh ti. + H, tn khch DL (hoc trng on) + S lng khch DL. + Thi gian nhn cc dch v. + Ha cam kt s thanh ton ca DN l hnh gi khch. + Ni dung ca bt buc : s tin thanh ton, s ti khon ca khch du lch.

4) Cc th loi du lch : + Phiu DL c nhn. + Phiu DL cho on. + Phiu DL cho chng trnh DL trn gi. + Phiu DL cho cc dch v c bn (lu tr, n ung). + Phiu DL cho cc dch v b sung. + Phiu DL m (khng quy nh c th a im, thi gian). + Phiu DL ng (c quy nh c th a im, thi gian).