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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 CAD
4. Cc bn tham gia cng vi quyn v nghav ca mnh
5. u nhcimca phng thc6. iukin p dng phng thc7. im khc bit c bn
8. V trca CAD
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1. Khi nimPhng thc CAD (giao chng t tr tinngay) l phng thc thanh ton trong
nh NK yu cu NH phc v mnh m tikhon tn thc thanh ton tin cho nh XKviiukin nh XK xut trnh nhngchng
t theo yu cuc tha thun cho NHc thanh ton tin.
PHNG TH C I CH NG T TR TI N(CAD)
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Ngn hng ncxut khu.
i din ca nhnhp khu nc
xut khu
Nh xut khu.
12
3
4 6
2. Quy trnh thanh tonKhi cc bn tham gia c cng quan hvi mt ngn hng (thng l NH phc vnh XK):
5
http://cad.ppt/http://cad.ppt/http://cad.ppt/http://cad.ppt/http://cad.ppt/http://cad.ppt/8/3/2019 Phng thc chng t tr tinCAD
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Bn ghi nh s l c s ngn hng dch v trtin,theo ch th ca ngi nhp khu khi thc
hin 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 aiphi tr ph ny (thng nh xut khu phi tr).
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PHNG THC I CHNG T TR TIN(CAD)
2. Quy trnh thanh ton
Bc 2: NH bo cho nh XK rng nhNK k qu, ti khon k thc btuhotng.
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PHNG THC I CHNG T TR TIN(CAD)
2. Quy trnh thanh ton
Bc 3: Nh XK giao hng cho nh NK
di s kim sot ca i din nh NK(representative of the buyer) tincngiXK.
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PHNG THC I CHNG T TR TIN(CAD)
2. Quy trnh thanh ton
Bc 4: Nh XK xut trnh cho NH bchngtu m nh NK yu cu rt tin.
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PHNG THC I CHNG T TR TIN(CAD)
2. Quy trnh thanh ton
Bc 5:NH kim tra tnh hp l cabchngt v trtin cho nh XK.
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PHNG THC I CHNG T TR TIN(CAD)
2. Quy trnh thanh ton
Bc 6:NH giao bchng t cho ngi
idinca nh nhpkhu.
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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 ngy21/11.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 Starwood
International n NH Agribank
VN k 1 bn ghi nh , ng thithc 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 idin cty Starwood International ti VN.
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Bc 4: Cty MT xut trnh cho NHAgribank b chng t m cty StarwoodInternational 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 StarwoodInternational.
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PHNG THC I CHNG T TR TIN (CAD)
3. B chng t ca phng thc CADKhi hng ha c giao trc tip cho nh NK
- Th xc nhn giao hng cho nh NK,c i din nc
XK 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
PHNG TH C I CH NG T TR TI N
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PHNG TH C I CH NG T TR TI N(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 nc
XK 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 i
din 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 mt
ti khon tnthc, s d tikhon bng100% gi tr
hp ng thanh ton chonh XK
Phi hon thnh y ngha vthanh ton cho nh XK
Nh 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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Bnthamgia
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 v
bn 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 thanhton
-Ti tr cho nh XK thc hinthng mi quc t.- Tin hnh kim tra b chng tthanh 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 thcu im:
- i vi chuyn tin CAD nhp khu:+ Phng thc thanh ton ny rt c a chung v kh ph bintrn th gii vth tc t phc tp v t ri ro cho nh NK.
+ Cc DN NK khng chn phng thc thanh ton nh thu hoc
chuyn tin bng in m thanh ton theo CAD s gip cc doanhnghip c c hi nhn c chng t nhanh chng v tng cngmi quan h tt p vi cc i tc XK do vic thanh ton din ratc th.
+ Th tc thanh ton n gin (ch cn chuyn tin vo ti khonk thc).
+ Rt ngn thi gian thanh ton do vic x l chng t n gin vtrc tip.
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5. u nhc im ca phng thcu 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 XKv phi xc nhn hng ho trc khi gi.
- Nh NKphi kqu thc hin phngthc ny nns dnn 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 haphng thc CAD lm bn XK mttrng l hng.
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6. iukin 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
7 iM KHC BiT C BN
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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 giaochngt sau.
7. iM KHC BiTC BN
Tiu ch Chuyn tin Nh thu CAD
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Tiu ch Chuyn tin. Nh thu. CAD
i vinhXK
-Tr trc tin hngc giao chonh XK trc khinh XK giaohng => c licho nh XK.
-Tr sau : tin hng
c th khngc thanh ton,thanh ton chmhoc khng y
=> ri ro chonh XK.
-Nh thu trn nh NKc th c chimdng vn, thanh tonchm, thiu, t trithanh ton => ri rocho nh XK-Nh thu km chng
t: 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 hngha tng hoc
b i tc KDkhng trungthc trongkhu chuyn
tin=> ri rocho nh XK.
-Giao hng xongnhn tin
ngay=> c licho nh XK.
i h Ch i h h CA
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Tiu ch Chuyn tin. Nh thu. CAD
i vinh nhp
khu
Tr trc: TH chuyntin trc khi giao
hng 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 yu
cu th mi chuyntin c li cho nhNK.
Nh nhpkhu cha
phi thanhton tin hngnhng nmgi c
chng t nhn hng tnh chuynch c li chonh XK.
Nh NK thithi khi nh XK
khng giaohng khi tingi NH khngc gi li
xut => ri rocho nh NK.
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7. V trca 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)
Phng 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 ton
nht
Phng thc
ng trc
Ri ro nht
Nh
nhpkhu
Phng thcgiao chng ttrtin ngay
(CAD)Phng thctn dng th
(L/C)Phng thcnh thu
Ri ro
nht
An ton
nht
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Gii php hn ch ri ro
- C ngn hng ln nh xut khu cn nhanhngy nm bt thng tin v tin trnh thanhton, trnh thit thn
- Cn kim tra nghim ngt ni dung bn ghinh-Nh nhp khu c th c i din ca mnh
kim tra b chng t ngn hng nc xutkhu trc khi bn xut ly tin hn chri ro.
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Cu hitrcnghim:
Cu 1: Phngthc thanh ton CAD cli cho bn no?
A. Nh nhpkhuB. Nh XutkhuC. Ngn hng ncxutkhu
D. C A & B
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Cu 2: iukin p dngphngthc thanh tonCAD?
A.Ngi mua v ngi bn c quan h mua bnkhng tt
B. Mua bn nhngmt hng thng thngC. p dng chophngthctrtin ngayD. Trnghpngi mua khng c idin
ncxutkhu
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Cu 3: Nh XK xut trnh chngt choNh yu cu xin thanh ton l bcthmy 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 trongphngthcthc thanh ton CAD 1 bn?
A. Nh NK, nh XK, NH ncXK, NH nc NK.
B. Nh NK, idinca nh XK nc NK,NH nc XK.C. Nh NK, idincaNK nc XK, NH nc NKD. Nh XK, idinca nh NK nc XK,NH nc XK
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Cu 5. NH v nh NK sthathun
l vi nhau qua loigiyt g?
A.BchngtB.Bng ghi nhC.Ha nthngmi
D.Th xc nhn
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CM N C V CC BN THEO DI