Cẩm nang sản phẩm chiết khấu hối phiếu_ Ngân hàng Techcomebank

7/25/2019 Cm nang sn phm chit khu hi phiu_ Ngn hng Techcomebank

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CAM NANG

Danh cho chuyen vien quan he khach hang

SAN PHAM CHIET KHAU HOI PHIEUKEM BO CHNG T XUAT


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NI DUNG

Mc ch

Danh mc cc t vit tt

Phn 1 - Sn phm chit khu hi phiu km b chng t xut khu

1. Chit khu hi phiu km BCTXK l g? 2. Chit khu hi phiu km b chng t xut khu theo LC a. i tng khch hng

b. iu kinc. c im 3. Chit khu hi phiu km b chng t xut khu theo Nh thu a. i tng khch hng b. iu kin

c. c im

Phn 2 Quy trnh thc hin

1. Quy trnh ni b chung

2. Vai tr v trch nhim ca RM

Phn 3 Q & A sn phm

Phn 4 Cc ph lc

1. Ph lc 1 - Danh mc h s khch hng cung cp 2. Ph lc 02 Tng hp cc vn bn lin quan n chit khu 3. Ph lc 03 Mu hi phiu v cc ni dung bt buc trn b mt hi phiu

Danh cho chuyen vien quan he khach hangCAM NANG SAN PHAM CHIET KHAU HOI PHIEU KEM BO CHNG T XUAT


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Mc ch

Cun cm nang ny nhm h tr cho cc cn b quan h khch hng tip th v cung cpdch v chit khu hi phiu km b chng t xut khu.

Cc t vit tt

Chit khu theo L/C: Chit khu hi phiu km b chng t xut khu theo phng thc thtn dng

Chit khu theo Nh thu: Chit khu hi phiu km b chng t xut khu theo phngthc th nh thu

RM: Chuyn vin quan h khch hng BCTXK: B chng t xut khu SXKD: sn xut kinh doanh

3



4/24

PHN 1 SN PHM CHIT KHU HI PHIU KM B CHNG T XUT KHU

1. Chit khu hi phiu km BCTXK l g?

TCB mua hi phiu i n xut trnh km theo BCTXK theo phng thc L/C/ nh thu t khch hng trc khi nhn thanh ton.

i tng khch hng:Cc doanh nghip c chc nng sn xut, ch bin gia cng, kinh doanh hng ha xut khu. Li ch sn phm

C hi bn cho: Dch v thng bo LC xut

Dch v mua bn ngoi t Gi chit khu

i vi TCB

L mt nghip v cp tn dng tng i an ton a dng ha sn phm Doanh thu t ph, li chit khu Gia tng cc dch v lin quan n ti tr thng

mi xut khu

i vi khch hng

ng trc vn SX KD Li sut thp hn li sut cho vay thng thng Khng cn ti sn th chp m s dng ngay BCT nhn chit khu

lm TSB Quy trnh cp tn dng n gin nhanh chng hn cho vay a ra nhiu la chn thanh ton cho i tc m khng b nh hng

xu ti dng vn ca mnh => Nng cao kh nng cnh tranh

Li chit khu

Mc li: Do khi SME/CB quy nh trong tngthi k

Tnh trn d n CK & thi hn CK thc t

Ph chit khu

Loi ph B Mc ph: + CK L/C: 0.2% gi tr CK

+ CK nh thu: 0.4% gi tr CK Min: 25 USD

Max: 1000 USD



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Loi tin chit khu: VN hoc ngoi tHnh thc chit khu: c truy i

Thi hn chit khu: ph thuc vo thi gian tin c thanh ton cho b chng t t nc ngoi v khng vt qu thihn chit khu ti a theo quy nh ca Ngn hng.

T l chit khu: c xc nh da trn kh nng thanh ton cho b chng t (dng tin v), kh nng hon tr ca khchhng v khng vt qu t l chit khu ti a

2. Chit khu theo L/C

Chit khu theo L/C:l vic Techcombank mua hi phiu i n xut trnh km b chng t xut khu theo phng thc th tndng t khch hng trc khi n hn thanh ton.

a. iu kinSTT iu kin Ni dung

5

1 iu kin th trng vhng ha xut khu

Hng ha xut khu khng thuc danh mc hng ha b cm/hn ch kinh doanh vxut khu.

i vi nhng loi hng ha c yu cu v hn ngch (nh dt may, go) hoc giyphp xut khu (nh khong sn) => phi p ng quy nh trong tng thi k.

2 iu kin v hi phiui n

Ph hp vi Lut p dng, cc tp qun, thng l quc t hin hnh, ph hp vi yucu ca giao dch;

Thuc quyn th hng hp php ca khch hng; Trn Hi phiu i n khng ghi cm t Khng c chuyn nhng, Cm chuyn

nhng, Khng tr theo lnh hoc cm t khc c ngha tng t. Cn thi hn thanh ton ph hp vi thi hn ngh chit khu. C y cc ni dung bt buc theo quy nh (tham kho mu hi phiu ti Ph lc 03).

3 iu kin Ngn hngtr tin

Ngn hng tr tin l ngn hng c uy tn, c Techcombank chp nhn.



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STT iu kin Ni dung

6

4 iu kin v L/C L/C khng c cc iu khon bt li cho nh xut khu v ph hp vi UCP p dngcho L/C

L/C v cc bn sa i (nu c) c xc nhn tnh chn thc. L/C c xut trnh v chit khu ti Techcombank hoc ti ngn hng bt k hoc ti

Ngn hng ch nh khc (vi iu kin c xc nhn ng ca ngn hng pht hnh). L/C quy nh cc loi chng t yu cu xut trnh theo thng l quc t, khng c

chng t c bit hm cha cc yu t khng r rng. Trng hp L/C c th chuyn nhng phi c in xc nhn ca Ngn hng pht

hnh v vic cha c Ngn hng no khc nhn chuyn nhng L/C.

5 iu kin b chng txut khu B chng t hon ho B chng t c sai st nhng c Ngn hng tr tin chp nhn thanh ton. Hoc b chng t c sai st nhng c bng chng chc chn v kh nng thanh ton

b chng t (nh ngn hng thanh ton k hu vn n hoc bo lnh nhn hng).

b. c im Thi hn chit khu ti a

STT Loi hi phiu Thi hn chit khu ti a

1 Hi phiu tr ngay 30 ngy c s k t ngy CK HP2 Hi phiu tr ngay

km K rng buctrong thanh ton

60 ngy c s k t ngy CK HP

3 Hi phiu tr ngay caL/C chuyn nhng


4 Hi phiu tr chm T+5 v T


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T l chit khu ti a:.

STT iu kin T l chit khu ti a

7

L/C tr chm

L/C tr ngay hoc L/C tr chm nhn c in CNTT ca NHPH

p ng y iu kin nh sau: p ng y cc Quy nh ca HDCK theo L/C BCT hon ho S tin CK ti a/HP: 100, 000 USD

Thi hn CK ti a: tun theo thi hn CK ti a nhng khng qu 60ngy k t ngy CK BCT

Nh XK c xp hng B1 tr ln theo Q TCB

90%

95%

100%

1

2

3

Thi gian gii quyt h s theo SLA ban hnh ngy 07/03/2012: Trong vng 4 ting, trong trng hp NH thanh ton c chp nhn (khng phi qua Thm nh FI) v b

chng t c kim tra bi Techcombank Trong vng 13 ting trong trng hp NH thanh ton cha c chp nhn (phi qua Thm nh FI) v b

chng t cha c kim tra bi Techcombank

M sn phm: 220602

3. Chit khu hi phiu km b chng t xut khu theo Nh thu

Chit khu hi phiu km b chng t xut khu theo Nh thu l vic Techcombank mua hi phiu i n xut trnh km b chngt xut khu theo phng thc nh thu t khch hng trc khi n hn thanh ton.



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a. iu kin

STT iu kin Ni dung

8

1 iu kin Nh xut khu

2 iu kin th trng xut khu

3 iu kin hng ha xut khu

4 iu kin v Nh nhp khu

C uy tn v kinh nghim ti thiu 02 nm trong lnh vc kinh doanh xut khu; Xp loi t B3 tr ln; hoc t B theo h thng xp hng QCA.

Th trng xut khu l cc quc gia t b ri ro thanh ton, khng nm trong danh schb cm vn, khu vc khng c chin tranh hay xung t chnh tr.

Hng ha xut khu khng thuc danh mc hng ha b cm/hn ch kinh doanh vxut khu; ph hp vi chc nng kinh doanh ca KH.

i vi nhng loi hng ha c yu cu v hn ngch (nh dt may, go) hoc giy

php xut khu (nh khong sn) => phi p ng quy nh trong tng thi k. Mt hng xut khu t bin ng v gi hay t nht ti thi im xut khu khng c

bin ng.

Thuc danh sch cc Nh nhp khu/ Ngi mua c chp nhn theo cc sn phmcho vay ring.

Hoc nh nhp khu c uy tn v thanh ton i vi nh xut khu v uy tn kinh doanhtrn th trng quc t, th hin qua cc tiu ch:

+ Thnh lp v hot ng ti thiu 2 nm+ u tin cc nh nhp khu l cc tp on a quc gia, c quy m kinh doanh ln

v c cc t chc xp hng c uy tn trn th gii xp hng nh mc tn nhim 3 + Uy tn thanh ton gia nh xut khu v nh nhp khu: C quan h thng mi ti

thiu 02 nm v trong hai nm gn nht c t nht 10 hp ng/l hng thc hinthnh cng theo phng thc thanh ton ging vi phng thc thanh ton nghchit khu. Trng hp nh nhp khu l cc tp on a quc gia c uy tn v thnghiu ln trn th gii th thi gian c quan h thng mi vi nh nhp khu ti thiu01 nm v trong nm gn nht c t nht 03 hp ng/l hng thc hin thnh cngtheo phng thc thanh ton ging vi phng thc thanh ton ngh chit khu.



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STT iu kin Ni dung

9

5 iu kin v hi phiu i n

6 iu kin b chng t xut khu

Ph hp vi Lut p dng, cc tp qun, thng l quc t hin hnh, ph hp viyu cu ca giao dch; Thuc quyn th hng hp php ca khch hng; Trn Hi phiu i n khng ghi cm t Khng c chuyn nhng, Cm chuyn

nhng, Khng tr theo lnh hoc cm t khc c ngha tng t. Cn thi hn thanh ton ph hp vi thi hn ngh chit khu. C y cc ni dung bt buc theo quy nh (tham kho mu hi phiu ti Ph lc 03).

Trn BCTXK trong c xut trnh qua Techcombank cng vi bn sao Hp ngngoi thng.

Ch chp nhn chng t vn ti l vn n ng bin (B/L). Ton b B/L bn gcc xut trnh qua Techcombank. Trng hp phng thc vn ti khc, CVKHhng dn Khch hng lm th tc theo hng dn cho vay cm b bng BCT xutkhu

B chng t xut trnh phi ph hp vi yu cu trn Hp ng ngoi thng Vi phng thc D/A: Ngn hng thu h xc nhn ngy nhn chng t, ngy o

hn v c m bo tr tin khi o hn (c bo lnh thanh ton hoc xc nhn/cam ktthanh ton ca Ngn hng tr tin c Techcombank chp nhn).

Lu :

Trng hp BCTXK c gi i i tin thc t theo phng thc nh thu km chngt D/P (do TTTT xc nhn) trong khi hp ng ngoi thng quy nh phng thcthanh ton l CAD tr sau: thc hin theo quy nh chit khu hi phiu i n km bchng t xut khu theo phng thc D/P



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b. c im Thi hn chit khu ti a

Thi gian gii quyt h s theo SLA ban hnh ngy 07/03/2012: Trong vng 4 h i vi BCTXK c kim tra bi Techcombank Trong vng 7h i vi BCT cha c kim tra bi Techcombank M sn phm: 220600

STT Phng thc Thi hn chit khu ti a

10

1 D/P

2 D/A


T+5 v T


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Bc

1

Quynh /MubiuTintrnh thchinNgi thchini

vi KH CBNgi thchini

vi KH SME

Phng DVKHDN RMs -CS-CMTip nhn, thm nh

hs

Ph duyt

K kt hp ng,Kimsot hs, Gii ngn

Lu hs

Gi BCT i tin

CGPD /HDTD CGPD/HDTD

CCA v n v CCA v CS

Phng DVKHDN/Bphn Kim sot sau CM

Phng TTTMXK/

n v/CCA

Phng TTTMXK/

Phng DVKHDN

Phng TTTMXK/

CS/CCA

Phng TTTMXK/

CS

No

Yes

Truy i trong trng hpchm hoc tchi thanh ton

Phng TTTMXK/

n v/CCAPhng TTTMXK/

CS/CCA

Theo di tin v, hchton thu n, tt ton

0149/2011/HD

0150/2011/HD

MB01-HD.E03/TD42/02

Bc

2

Bc

3

Bc

4

Bc

5

Bc

6

Bc

7

Bc

8

Bc

9

Bc

10

Bc11

NucnNhn xt tnh trng

BCT

Thm nh ngnhng trtin

Phng TTTMXK Phng TTTMXK

Phng TCTC Phng TCTC

0149/2011/HD

0150/2011/HD

0328/2010/QT

0329/2010/QT

Ti thm nh (nu c)Ti thm nh

khi SME(khng c)

0149/2011/HD

0150/2011/HD

0149/2011/HD

0150/2011/HD

0042/2011/Q1

0328/2010/QT

0329/2010/QT

0149/2011/HD

0150/2011/HD

0149/2011/HD

0150/2011/HD

0328/2010/QT

0329/2010/QT

Kim sot thm nhLnh o n v/Gim c vng

0149/2011/HD

0150/2011/HDRMs-CM

MB01-QT.TDC/04

Thng bo/lp ttrnhchit khu

Phng DVKHDN CM MB01-QT.TDC/04

Quy trnh chit khu hi phiu km b chng t xut khuPHN 2 QUY TRNH THC HIN

1. Quy trnh ni b chung



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2. Vai tr v trch nhim ca RM

a. Vai tr ca RM:RM c vai tr tm kim KH, bn sn phm v kt ni cc b phn ni b cung cp dch v cho KH

mt cch tt nht. b. Trch nhim ca RM trong quy trnh chit khu

12

Tip nhn, thm nh h s khch hng - Tip th v tip xc khch hng:

+ Tm hiu nhu cu ca KH v t vn cho KH s dng dch v chit khu.+ Tip nhn h s BCT chit khu v hng dn khch hng lp ngh chit khu.+ i chiu vi Danh mc h s khch hng cung cp theo PL01-HD.E03/TD42/02 ca Hng

dn chit khu, nu thiu yu cu khch hng b sung y . - Kim tra s lng bn gc chng t v loi chng t c xut trnh so vi ngh chit khu/Hp

ng xut khu. - K nhn vic nhn ngh chit khu v ton BCT xut khu km theo, ghi r ngy gi nhn v k

xc nhn, sau chuyn li cho KH 01 bn. - Thm nh thng tin v h s php l; h s ti chnh ca KH (i vi KH giao dch ln u hoc khi

c s thay i) - i chiu v thm nh cc iu kin chit khu theo quy nh ti hng dn chit khu (p dng cho

tng phng thc thanh ton L/C hoc Nh thu). - Kim tra hn mc tn dng ca khch hng m bo khng vt hn mc. - Chuyn ton b h s chit khu cho Phng TTTMXK qua a ch email:

[email protected] Phng TTTMXK kim tra v nhn xt v BCT chit khu.

Lu : Trng hp KH c nhu cu chit khu, y nhanh tc phc v khch hng, ngay khi tipnhn L/C xut v cc bn tu chnh (nu c), n v c trch nhim gi ln Phng TTTMXK ngh xc nhn tnh chn thc ca L/C thay v i khi y BCT mi gi km.

Bc 1



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Thng bo/ Lp t trnh chit khuSau khi nhn c nhn xt tnh trng b chng t TTTMXK, RM thc hin: - Trng hp BCT khng iu kin chit khu: lp thng bo t chi chit khu (M03-HD.E03/TD42/02

Hng dn chit khu) v gi cho khch hng trong c nu r l do khng chit khu. - Trng hp BCT c iu kin chit khu: lp T trnh chit khu theo mu MB01-QT.TDC/04 ca

Quy trnh ny v trnh cc cp kim sot h s chit khu.

Son tho hp ngSau khi nhn c ph duyt cho b h s chit khu: - Cn b thc hin chu trch nhim son tho hp ng chit khu vi KH bo m ng mu quy nh

v y ni dung ph duyt ca cp c thm quyn. CVKH son tho hp ng chit khu chu trchnhim k nhy ln tng trang ca Hp ng chit khu (theo mu MB04-HD.E03/TD42/02 km Hngdn chit khu).

- Chuyn ton b h s chit khu sau ph duyt sang CCA, phi hp vi CCA thc hin kim sot trckhi gii ngn v hon thin cc hp ng cn k kt vi khch hng.

Gii ngn chit khu - Trng hp gii ngn tin mt, Phng DVKH/CS gii ngn pht tin vay t ti khon gii ngn cho khch

hng. - Trng hp gii ngn chuyn khon trong nc, Phng DVKH/CS thc hin chuyn khon theo yu cu

ca khch hng.

Lu h s chit khu - Sau khi thc hin cp tn dng, Phng DVKH DN chuyn h s cp tn dng sang B phn Kim sotsau ca n v thc hin lu h s (trng hp n v c B phn Kim sot sau) hoc trc tip luh s (trng hp n v cha c B phn Kim sot sau).

Theo di tin v, thu n v tt ton khon chit khu - Truy vn thng tin cc khon tin v ca cc BCT chit khu do Phng TTTMXK thng bo hng

ngy; lp ngh thu n gi CCA kp thi thu hi n

Bc 3

Bc 7

Bc 8

Bc 9

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i tin trong trng hp i tc nc ngoi chm hoc t chi thanh tonSau khi nhn c thng bo t TTTMXK v khon chit khu b chm tr/ t chi thanh ton t pha Ngnhng thanh ton/ngi mua:

- Cn b thc hin chu trch nhim lp thng bo v vic Ngn hng thanh ton/ngi mua chm trhoc t chi thanh ton BCT v gi khch hng trong vng 01 ngy lm vic k t ngy nhn c inthng bo chm tr hoc t chi chp nhn/t chi thanh ton t pha ngn hng thanh ton/ngi muado Phng TTTMXK chuyn n v. Thng bo gi khch hng phi xc nh r thi hn ti a khchhng phi thanh ton ngha v tr n cho Techcombank l 10 ngy k t ngy Tehcombank pht hnhthng bo v vic Ngn hng thanh ton/ ngi mua nc ngoi chm tr hoc t chi thanh ton.

- Trng hp sau thi hn 10 ngy ny m khch hng khng thc hin ngha v thanh ton, PhngDVKHDN/CM gi ngh CCA thc hin chuyn n qu hn ca khon chit khu vi li sut phtbng 150% li sut cho vay tng ng trong hn. Vic phn loi n, trch d phng x l ri ro, thc hincc bc thu hi, x l n chit khu tun theo cc quy nh hin hnh ca Techcombank.

Bc 11

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PHN 3 Q & A SN PHM

Q1:TCB c thc hin vic chit khu BCTXK khng ? Tun th quy nh ca Php lut Vit Nam, Techcombank ch thc hin vic chit khu hi phiu km BCTXK. Trng hp

khch hng yu cu chit khu BCTXK, RM t vn cho KH b sung hi phiu (nu c th) hoc hng nhn lm th tc vaym bo bng khon phi thu t BCTXK.

Q2:T l chit khu theo L/C c g c bit ? T l chit khu ti a vi trng hp LC tr chm: ln n 90% C th chit khu n 100% nu p ng iu kin ca hng dn, b chng t hon ho; s tin chit khu ti a 100.000

USD; Thi hn chit khu khng qu 60 ngy; v khch hng xp loi ti thiu B1. S tin chit khu khch hng c nhnl s tin chit khu sau khi tr ph d tnh t Ngn hng nc ngoi

Q3:iu kin v khch hng xut khu trong Hng dn chit theo L/C c g mi ? Quy nh n gin hn so vi hng dn c nh sau Khch hng l cc doanh nghip c chc nng sn xut, ch bin gia

cng, kinh doanh hng ha xut khu, c iu kin cp tn dng theo Chnh sch tn dng v p ng cc iu kin theoquy nh ti Hng dn; c nhu cu chit khu hi phiu i n km theo b chng t xut khu theo phng thc thanh tonbng th tn dng (L/C) xut trnh qua Techcombank

Q4:iu kin v L/C trong Hng dn chit khu theo L/C c im mi g so vi hng dn c? B sung quy nh chit khu trong trng hp L/C gii hn xut trnh v chit khu/thanh ton ti ngn hng pht hnh/ngn

hng ch nh ko phi l Techcombank (available with issuing bank/nominated bank by negotiation/by payment/by acceptance)th phi c xc nhn ng ca ngn hng pht hnh khi Techcombank i in xin yu cu ch nh li Techcombank l ngnhng chit khu.

Sa i quy nh i vi L/C chuyn nhng: Nu Techcombank khng c ch nh l Ngn hng chuyn nhng; ch chitkhu vi iu kin c in xc nhn ca Ngn hng pht hnh v vic cha c Ngn hng no khc nhn chuyn nhngL/C.

Q5:Mu ngh chit khu c truy i hi phiu i n km b chng t xut khu mi c g thay i? Quy nh mt s trng hp KH y quyn cho TCB sa i mt s li sai st ca cc chng t. Ni dung y quyn ny khng

rng buc trch nhim ca Ngn hng trong trng hp Ngn hng nc ngoi t chi chp nhn/ t chi thanh ton => Vic

y quyn ny s cho php giao dch c thc hin nhanh chng hn

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Q6:Trng hp H ngoi thng quy nh phng thc thanh tan CAD nhng BCT theo thc t c gi i i tin theophng thc D/P c NH chp nhn CK theo D/P ; Khch hng c cn iu chnh li phng thc thanh ton l D/Ptrong hp ng ko?

Khng cn iu chnh

Q7:Quy trnh chit khu hi phiu km b chng t xut khu c nhng im thay i g so vi quy trnh c? Hng dn trnh t v thm nh ngn hng tr tin Hng dn cc bc x l lin quan n B chng t khng ph hp B bc ti thm nh i vi chit khu theo L/C Thay i trch nhim son tho h s chit khu c thc hin ti n v Hng dn c th cc ni dung kim sot ti CCA Hng dn v nguyn tc thu n B sung cc quy nh cn c khc m quy trnh chit khu hin ti cha a vo nh lu h s, gi b chng t i i tin

Q8:Trung tm thanh ton tip nhn h s ngh chit khu kim tra v nhn xt tnh trng b chng t xut khu quaknh no?

Qua a ch email: [email protected]

Q9:X l ca Trung tm thanh ton trong trng hp b chng t c sai bit nh th no? i vi BCT sai bit m KH y quyn cho ngn hng sa, n v v TTTT ch ng phi hp sa nhng sai bit c kh

nng sa cha. TTTT thc hin thng bo cho KH kt qu cui cng v tnh trng BCT sau khi thc hin sa cha. i vi BCT c sai bit m KH khng y quyn sa cho ngn hng hoc sau khi ngn hng sa nhng vn cn sai bit bt

buc KH phi sa, TTTT s gi thng bo kt qu kim tra cho KH, thng bo ton b sai bit ca BCT KH sa cha, bsung. TTTT ng thi s thc hin nh gi, nhn xt v tnh trng BCT gi n v, trong ghi r tnh trng BCT tham chiu theo

thng bo kt qu kim tra chng t ngy no tin tham chiu sau ny. Trng hp KH gi li BCT sau khi sa cha/b sung theo thng bo kt qu kim tra BCT ca ngn hng, n v c trch

nhim gi chuyn tip n TTTT thc hin kim tra li BCT theo yu cu ca khch hng. Thng bo kt qu kim tra BCT theo ln ngh kim tra cui cng s c ghp chung vi b h s trnh chit khu lm

tham chiu v tnh trng BCT.

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Q10:u mi chu trch nhim gi xut thm nh Ngn hng tr tin ti Khi Qun tr ri ro?Trung tm thanh ton. C th trng hp Ngn hng tr tin thuc i tng phi trnh qua Phng T CTC theo quy nhti Hng dn la chn Ngn hng tr tin, TTTT chu trch nhim lp t trnh gi Phng T CTC.

Q11:Trch nhim kim sot h s ca CCA gm nhng g?Kim tra tnh y ca h s do n v cung cp theo Danh mc h s khch hng cung cp theo PL01-HD.E03/TD42/02ca Hng dn chit khu; Yu cu n v b sung cc h s cn thiu.

Kim sot tnh hp php v hp l ca h s php l v theo ng ph duyt ca cp c thm quyn; Thm quyn ph duyt Kim tra hn mc ca khch hng (nu c) Kim sot m bo thc hin ng cc iu kin chit khu/cc h s cn b sung i vi khon chit khu (nu c) theo

ph duyt ca CGPD c thm quyn. Kim sot cc hp ng k kt vi khch hng

Trng hp chit khu c yu cu v TSB, CCA cn kim sot thm cc iu kin v TSB theo ph duyt.

Q12:Tng thi gian cam kt thc hin Quy trnh chit khu? Chit khu theo Phng thc L/C

17

Thi gian ti thiu (gi)

(Trng hp khng phi qua Phng thm nh nh ch ti chnh v B chng t ckim tra bi Techcombank)

Thi gian ti a (gi)

(Trng hp Ngn hng tr tin khng thuc danh sch c Techcombank chp nhn,

phi qua Phng Thm nh nh ch ti chnh v B chng t cha c kim tra)

3.83

13.33

Thi gian ti thiu (gi)

(Trng hp B chng t c kim tra bi Techcombank)

Thi gian ti a (gi)

(Trng hp B chng t cha c kim tra bi Techcombank)

3.83

6.83

Chit khu theo Phng thc nh thu



18/24

Cng vic thc hin

Tip nhn, thm nh h s, son nhpt trnh v hp ng chit khu (L/C vNh thu)

Hon thin t trnh chit khu

Lnh o n v kim sot thm nh

Hon thin hp ng

Thi gian(pht) (Mc cam kt 95%)

30

10

20

10

Thi gian (pht) (Mc cam kt 5%)

60

20

40

20

Q12:Cam kt ca n v/ Khi CB?

18



19/24

TT

I

i vi Doanh nghip mi ln u chit khu/vay vn ti Techcombank

1

2

3

456

7

8

II

1

2

Doanh nghip

DANH MC H S YU CU

H s php l

Giy php thnh lp (nu thnh lp trc ngy 01/01/2000), ng k kinh doanh, Giy phphnh ngh i vi cc loi hnh kinh doanh c giy php theo quy nh ca php lut.

Giy chng nhn ng k thuQuyt nh b nhim Gim c, k ton trngBin bn hp sng lp vin (nu c)

iu l hot ng ca Cng tyQuy ch qun l ti chnh v cc h s khc (nu c)Giy u quyn ca Cng ty cho ngi c php k thay Gim c/ k ton trng cc giyt giao dch chit khu vi Techcombank (nu c)Chng minh nhn dn/H chiu ca ngi i din Doanh nghip

H s ti chnh

Bo co ti chnh ca nm gn nht.Bo co ti chnh/ bo co nhanh thi im gn nht

Loi

Sao ySao y

Sao ySao ySao ySao ySao yGc

Copy

Sao ySao y

PHN 4 CC PH LC KM THEO

1. Ph lc 1 - Danh mc h s khch hng cung cp

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20/24

III

i vi hnh thc chit khu theo L/C

1

2

3

4

i vi hnh thc chit khu theo D/A, D/P

1

2

3

4

IV

1

2

3

H s chit khu

Giy ngh chit khu b chng t hng xut khu (theo mu biu MB-CKXK/01/01 hocMB-CKXK/01/02)Th tn dng xut khu L/C, cc tu chnh khc (nu c) v Thng bo th tn dng xut khuB chng t hng xut khu gc (gm Hp ng ngoi thng v cc chng t nh L/C yucu xut trnh) km theo hi phiu i nBn gc hoc bn sao t khai hi quan xut khu c c quan hi quan k xc nhnthng quan hoc t khai in c c quan hi quan k v ng du thng quan in t

trong trng hp thng quan in t. Trong trng hp bn sao, yu cu xut trnh bn gc i chiu vi bn sao

Giy ngh chit khu b chng t nh thu hng xut khu (theo mu biu MB-CKXK/01/03)Hp ng ngoi thngB chng t nh thu gc (gm cc chng t nh hp ng quy nh) km theo hi phiu i nBn gc hoc bn sao t khai hi quan xut khu c c quan hi quan k xc nhnthng quan hoc t khai in c c quan hi quan k v ng du thng quan in ttrong trng hp thng quan in t. Trong trng hp bn sao, yu cu xut trnh bn gc i chiu vi bn sao

H s khc

H s chng minh v doanh s xut trnh chng t thanh ton quc t v/hoc doanh s chitkhu qua TCTD khc trong nm gn nht, s ln giao dch vi ngi mua thnh cng trongnm gn nht (nu c)Giy php xut khu (i vi cc mt hng Nh nc qun l theo hn ngch hoc Nh nc

hn ch xut khu)H s ti sn m bo (nu Ngn hng yu cu)

Gc

GcGc

Sao y

GcSao yGcSao y

Copy

Sao y

Gc

TT Doanh nghipDANH MC H S YU CU Loi

20



21/24

Lu :

Bn Gc: l h s gc.

Bn Copy: l h s do cn b ngn hng thc hin vic copy t h s gc ca Khch hng hoc l h s do Khch hngcung cp v c cn b ngn hng i chiu vi bn gc.

Bn sao: h s do Khch hng cung cp c ch k ca lnh o v con du xc nhn ca n v, c ng du sao y bnchnh ca n v, hoc h s c cng chng/chng thc ca c quan c thm quyn.

Trong trng hp L/C/ quyn i n pht sinh t Hp ng ngoi c cm c ti Techcombank trc , th trn Giy ngh chit khu b chng t hng xut khu phi c xc nhn ca CCA, v trong h s chit khu gi ln TTTT&TTTMkhng cn thit phi c L/C bn gc

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22/24

2. Ph lc 02 Tng hp cc vn bn lin quan n chit khu

22

STT iu kin ng link

Quy nh chit khu cng c chuynnhng ti Techcombank

Hng dn chit khu hi phiu km theoBCTXK theo phng thc th tn dng

Hng dn chit khu hi phiu km theoBCTXK theo phng thc nh thu

HD cho vay bo m bng khon phi thut BCTXK theo phng thc L/C

HD cho vay bo m bng khon phi thut BCTXK theo phng thc D/P, D/A,TTR,CAD

Quy trnh chit khu hi phiu km bchng t xut khu

Hng dn la chn ngn hng tr tintrong NVCK c truy i hi phiu i nkm b CTXK theo phng thc L/C vNHPH trong NV xc nhn L/C XK

Quyt nh v vic ban hnh cam kt chtlng ca cc b phn lin quan trongvic thc hin quy trnh chit khu hiphiu km BCTXK

S vn bn

0030/2011/Q1

0149/2010/HD

0150/2011/HD

0171/2011/HD

0170/2011/HD

0267/2011/QT

0194/2011/HD

55/Q-TG

1

2

3

4

5

6

7

8

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=ceb66c0047bf81acbb91ff1ed83486a6

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=9d92a80047633b958bb38b2449b21ba3

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=fbfc4a80476121f8bbccbfb375e1ec9f

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=27da980047954830a5f8a5e382e43462

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=8d37620047953c50a469a4e382e43462

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=b4ca9b804983478bb360fbef03f1d0f3

http://intranet.techcombank.com.vn/wps/portal/docman/detail?id=7e9af90048100007a3e3f71158022237

outlook:\\Public Folders\All Public Folders\03 - Hthng vn bn\01 - Vn bn Vn phng\06 - Nm2012\01- CV Ban iu hnh\02 - Quyt nh\05 -Quyt nh khc



23/24

3. Ph lc 03 Mu hi phiu v cc ni dung bt buc trn b mt hi phiu

GII THCH

BILL OF EXCHANGE

No 1: .................................................................... Date 2: ................................................................For 3: ....................................................................

At 4. sight of this First Bill of Exchange (second of the same tenor and date being unpaid) pay to the order of 5

....................................................................................................................the sum of 6 .......................................................................Value received and Charge the same to account of 7..................................................Drawn under 8 .......................................................................Documentary Credit No /Contract No9: Dated 10To11: ........................................................................................................... Authorized Signature & Company stamp12

1. Thng ly s Invoice2. Ngy hi phiu3. Loi tin v s tin bng s4. Tr ngay hay tr chm (sight or xxx days after sight)5. Techcombank ( nu l hi phiu ca L/C) hoc tn nh xut khu (nu l hi phiu nh thu)6. Loi tin v s tin bng ch7. Tn ca ngi m L/C(applicant)/ nh nhp khu8. Ngn hng pht hnh L/C/ nh nhp khu9. S LC hoc s ca hp ng ngoi10. Ngy pht hnh LC/ha n11. Ngn hng thanh ton LC/ nh nhp khu12. Tn ca ngi hng li LC (Beneficiary)/ nh xut khu

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