{"id":6229,"date":"2015-08-05T08:23:59","date_gmt":"2015-08-05T08:23:59","guid":{"rendered":"https:\/\/centax.dsoftware.vn\/?p=6229"},"modified":"2015-08-07T10:15:21","modified_gmt":"2015-08-07T10:15:21","slug":"giai-phap-nham-han-che-rui-ro-trong-phuong-thuc-thanh-toan-tin-dung-chung-tu-tai-ngan-hang-cong-thuong-dong-da","status":"publish","type":"post","link":"https:\/\/centax.dsoftware.vn\/?p=6229","title":{"rendered":"Gi\u1ea3i ph\u00e1p nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a"},"content":{"rendered":"

L\u01afU \u00dd<\/span><\/strong><\/span><\/p>\n

B\u1ea1n \u0111\u1ecdc k\u00e9o xu\u1ed1ng cu\u1ed1i b\u00e0i vi\u1ebft \u1ea5n v\u00e0o ph\u1ea7n t\u1ea3i files<\/span> \u0111\u1ec3 l\u01b0u gi\u1eef t\u1eadp tin v\u1ec1 m\u00e1y t\u00ednh c\u00e1 nh\u00e2n.
\n<\/span><\/strong><\/em><\/span>_____________________________________________<\/strong><\/span><\/p>\n

\"116-01\"<\/a><\/h2>\n

L\u1edcI M\u1ede \u0110\u1ea6U<\/strong><\/span><\/p>\n

V\u1edbi ch\u1ee7 tr\u01b0\u01a1ng ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf m\u1edf, \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh h\u1ed9i nh\u1eadp n\u1ec1n kinh t\u1ebf n\u01b0\u1edbc ta v\u1edbi c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c v\u00e0 tr\u00ean th\u1ebf gi\u1edbi, quan h\u1ec7 m\u1eadu d\u1ecbch gi\u1eefa Vi\u1ec7t Nam v\u1edbi c\u00e1c n\u01b0\u1edbc kh\u00f4ng ng\u1eebng t\u0103ng l\u00ean, trong \u0111\u00f3 ph\u1ea3i k\u1ec3 \u0111\u1ebfn nh\u1eefng \u0111\u00f3ng g\u00f3p kh\u00f4ng nh\u1ecf c\u1ee7a h\u1ec7 th\u1ed1ng NHTM n\u01b0\u1edbc ta trong vi\u1ec7c l\u00e0m trung gian thanh to\u00e1n gi\u1eefa c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u1edbi n\u01b0\u1edbc ngo\u00e0i, t\u1eebng b\u01b0\u1edbc kh\u1eb3ng \u0111\u1ecbnh ni\u1ec1m tin tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf.<\/span><\/p>\n

Cho \u0111\u1ebfn nay, c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u00e0 ngo\u00e0i n\u01b0\u1edbc khi quan h\u1ec7 mua b\u00e1n v\u1edbi nhau th\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n nh\u01b0: Chuy\u1ec3n ti\u1ec1n (Remittance), U\u1ef7 th\u00e1c thu (Collection), T\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb (Documentary Credit). N\u1ebfu nh\u01b0 hai ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ea7u \u0111\u1ec1u b\u1ea5t l\u1ee3i cho m\u1ed9t b\u00ean l\u00e0 ng\u01b0\u1eddi mua ho\u1eb7c ng\u01b0\u1eddi b\u00e1n, ng\u00e2n h\u00e0ng ch\u1ec9 l\u00e0 trung gian v\u00e0 kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c tr\u00e1ch nhi\u1ec7m ph\u1ea3i thanh to\u00e1n, th\u00ec ph\u01b0\u01a1ng th\u1ee9c t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ecf ra \u01b0u vi\u1ec7t h\u01a1n, n\u00f3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho t\u1ea5t c\u1ea3 c\u00e1c b\u00ean tham gia. Ch\u00ednh nh\u1eefng \u01b0u \u0111i\u1ec3m n\u1ed5i b\u1eadt n\u00e0y m\u00e0 ph\u01b0\u01a1ng th\u1ee9c t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb \u0111\u01b0\u1ee3c \u01b0a chu\u1ed9ng h\u01a1n. \u01af\u1edbc t\u00ednh c\u00f3 kho\u1ea3ng 80% c\u00e1c h\u1ee3p \u0111\u1ed3ng ngo\u1ea1i th\u01b0\u01a1ng tho\u1ea3 thu\u1eadn ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n b\u1eb1ng t\u00edn d\u1ee5ng th\u01b0 kh\u00f4ng hu\u1ef7 ngang.<\/span><\/p>\n

B\u1ea3n th\u00e2n ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ecf ra \u01b0u vi\u1ec7t, song n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u00e1nh \u0111\u01b0\u1ee3c r\u1ee7i ro cho c\u00e1c b\u00ean tham gia m\u1ed9t c\u00e1ch tuy\u1ec7t \u0111\u1ed1i. Th\u1ef1c t\u1ebf cho th\u1ea5y, c\u00e1c b\u00ean tham gia c\u1ee7a Vi\u1ec7t Nam b\u01b0\u1edbc v\u00e0o th\u1ecb tr\u01b0\u1eddng th\u1ebf gi\u1edbi \u0111a ph\u1ea7n l\u00e0 m\u1edbi l\u1ea1, kinh nghi\u1ec7m c\u00f2n non tr\u1ebb.Trong \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c doanh nghi\u1ec7p XNK \u0111\u00e3 g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n khi ph\u00e1t sinh nh\u1eefng r\u1ee7i ro trong vi\u1ec7c thanh to\u00e1n b\u1eb1ng TDCT, c\u00f3 tr\u01b0\u1eddng h\u1ee3p b\u1ecb thi\u1ec7t h\u1ea1i l\u00ean \u0111\u1ebfn h\u00e0ng tri\u1ec7u \u0111\u00f4la. Do v\u1eady, vi\u1ec7c ho\u00e0n thi\u1ec7n v\u00e0 ph\u00e1t tri\u1ec3n c\u00f4ng t\u00e1c thanh to\u00e1n qu\u1ed1c t\u1ebf, c\u1ee5 th\u1ec3 l\u00e0 nghi\u00ean c\u1ee9u v\u00e0 ph\u00f2ng ch\u1ed1ng r\u1ee7i ro trong thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb l\u00e0 m\u1ed9t trong nh\u1eefng m\u1ed1i quan t\u00e2m th\u01b0\u1eddng xuy\u00ean c\u1ee7a m\u1ed7i ng\u00e2n h\u00e0ng.<\/span><\/p>\n

Trong nh\u1eefng n\u0103m qua, Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a \u0111\u00e3 tri\u1ec3n khai v\u00e0 th\u1ef1c hi\u1ec7n t\u1ed1t c\u00e1c nghi\u1ec7p v\u1ee5 thanh to\u00e1n qu\u1ed1c t\u1ebf n\u00f3i chung v\u00e0 nghi\u1ec7p v\u1ee5 t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb n\u00f3i ri\u00eang, song vi\u1ec7c ho\u00e0n thi\u1ec7n v\u00e0 ph\u00e1t tri\u1ec3n nghi\u1ec7p v\u1ee5 n\u00e0y c\u00f2n g\u1eb7p kh\u00f4ng \u00edt kh\u00f3 kh\u0103n, b\u1ea5t c\u1eadp. V\u00ec th\u1ebf trong th\u1eddi gian th\u1ef1c t\u1eadp t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a, tr\u00ean c\u01a1 s\u1edf nh\u1eefng ki\u1ebfn th\u1ee9c \u0111\u00e3 h\u1ecdc v\u00e0 qua nghi\u00ean c\u1ee9u t\u00e0i li\u1ec7u, em \u0111\u00e3 m\u1ea1nh d\u1ea1n ch\u1ecdn \u0111\u1ec1 t\u00e0i \u201cGi\u1ea3i ph\u00e1p nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a<\/em>\u201d.<\/span><\/p>\n

\u0110\u1ec1 t\u00e0i t\u1eadp trung nghi\u00ean c\u1ee9u v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n TDCT t\u1ea1i NHCT \u0110\u1ed1ng \u0110a. Tr\u00ean c\u01a1 s\u1edf ph\u00e2n t\u00edch l\u00fd lu\u1eadn theo\u00a0 ph\u01b0\u01a1ng ph\u00e1p lu\u1eadn khoa h\u1ecdc l\u00f4gic v\u1ec1 th\u1ef1c ti\u1ec5n r\u1ee7i ro trong thanh to\u00e1n TDCT, \u0111\u1ec1 t\u00e0i \u0111\u01b0a ra m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n TDCT t\u1ea1i NH C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a.<\/span><\/p>\n

N\u1ed9i dung \u0111\u1ec1 t\u00e0i Gi\u1ea3i ph\u00e1p nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a\u00a0<\/em>g\u1ed3m 3 ch\u01b0\u01a1ng:<\/span><\/p>\n

Ch\u01b0\u01a1ng 1: L\u00fd lu\u1eadn chung v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb v\u00e0 r\u1ee7i ro khi \u00e1p d\u1ee5ng<\/span><\/em><\/p>\n

Ch\u01b0\u01a1ng 2: Th\u1ef1c tr\u1ea1ng r\u1ee7i ro trong thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ea1i NH C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a<\/span><\/em><\/p>\n

Ch\u01b0\u01a1ng 3: Gi\u1ea3i ph\u00e1p nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ea1i ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

K\u1ebf to\u00e1n Centax xin chia s\u1ebb b\u00e0i lu\u1eadn v\u0103n : Gi\u1ea3i ph\u00e1p nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb t\u1ea1i Ng\u00e2n h\u00e0ng C\u00f4ng th\u01b0\u01a1ng \u0110\u1ed1ng \u0110a<\/p>\n","protected":false},"author":7,"featured_media":7140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"tags":[778],"_links":{"self":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts\/6229"}],"collection":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6229"}],"version-history":[{"count":0,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/posts\/6229\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=\/wp\/v2\/media\/7140"}],"wp:attachment":[{"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6229"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centax.dsoftware.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}