i Tng

Paying Bank Accepting bank Reimbursing Bank Opening Bank Tranfering Bank Advising Bank Nominating Bank

Negotiating Bank

Confirming bank

Importer

Exporter

Imtermediater

Quy trnh thng bo

NH phc v NK Nh nhp khu yu cu lp L/C NH phc v NK kim tra, k qu NH phc v NK lp v tu chnh
L/C

NH phc v XK

Tip nhn , kim tra L/C Thng bo v thu ph bn XK

Quy trnh thanh ton

NH phc v NK NH phc v XK BCT Nhn v Kim tra BCT Nhn v kim tra BCT X l BCT i tin NH bn NK. Thng bo cho KH Thanh ton cho NH bn Chit khu - thanh ton BCT cho nh XK XK K hu B/L ho
$

B h s lp L/C
Giy ngh m L/C theo mu ca ngn hng H s php l Phng n kinh doanh Quota nhp Hp ng ngoi thng Bo co ti chnh H s ti sn m bo Mt s chng t khc.

Thm nh v k qu
Cc ngn hng quy nh t l k cn c vo :
Uy tn thanh ton ca doanh nghip Mi quan h ca doanh nghip i vi ngn hng. S d ngoi t trn ti khon ca doanh nghip Cng n ca doanh nghip nhp khu Tnh kh thi trong phng n kinh doanh hng nhp khu

K qu da vo vn t c ca DN

Lp v tu chnh L/C
Sau khi hon tt h s , NH lp 2 bn LC v giao bn gc cho khch hng.

Ngn hng phc v Xut Khu

Tip nhn L/C Kim tra tnh chn tht ( Th, Telex, SWIFT) Kim tra ni dung L/C Thng bo cho khch hng ( L/C bn gc) Thu ph v chuyn L/C

Quy trnh thanh ton

Nh xut khu sau khi giao hng, hnh thnh B chng t v np vo ngn hng thanh ton/ngn hng chit khu /ngn hng xc nhn. Nh nhp khu Nh xut khu
Hng ha

Quy trnh thanh ton

NH phc v NK Nhn v kim tra BCT Thng bo cho KH Thanh ton cho NH bn XK K hu B/L hoc bo lnh nhn hng
BCTcoveri ng letter

NH phc v XK Nhn v Kim tra BCT X l BCT i tin NH bn NK. Chit khu - thanh ton BCT cho nh XK

Ngn hng phc v bn Xut khu

1. Tip nhn v kim tra b chng t . H s :
Th yu cu thanh ton hoc th yu cu chit khu b chng t L/C ( bn gc), Tu chnh L/C Hp ng ngoi thng ( bn sao) B chng t bn gc

B chng t hon ho
Ngn hng gi BCT n NH pht hnh km theo ch th thanh ton ( Covering letter). L/C khng cho i tin bng in
NH chit khu l NH thanh ton NH m LC l NH thanh ton

L/C cho php i tin bng in.

NH tr tin l NH m L/C NH tr tin khng l NH m L/C

Sai st sa cha c
NH yu cu bn XK sa cha BCT hoc tu chnh L/C. NH chit khu vi iu kin bo lu.
Ngi xut khu k chp nhn bo lu, NH vn xc nhn BCT ph hp. Nu pht hin qu nhiu li, NH s gi b chng t v chit khu vi NH pht hnh.

Sai st khng sa cha c

NH in bo bt hp l cho bn NH pht hnh, yu cu bn XK k chp nhn bt hp l. Gi b chng t v yu cu NH pht hnh chit khu vi bn NK. Gi chng t trn c s nh thu, v yu cu khch hng k chp nhn nh thu.

Chit khu v thanh ton

NH chit khu vi t l chit khu Max l 95% Tuy nhin NH co th t chi chit khu v BCT c th c sai st, thm ch nu L/C ch nh NH l ngn hng chit khu. Phn loi
Chit khu b chng t c quyn truy i. Chit khu b chng t khng c quyn truy i.

Lu h s

Ngn hng phc v bn Nhp khu

Tip nhn v kim tra BCT nhn c t NH phc v bn XK. Thng bo BCT n khch hng
Lp th thng bo chng t hng nhp theo L/C Lu gi bn sao BCT trong h s Trng hp BCT bt hp l. Lp thng bo bt hp l gi cho KH (3 bn) KH t chi thanh ton => tr li BCT hoc ch ch th NH bn XK

Thanh ton cho NH bn XK

TH : L/C tr ngay
L/C khng cho php i tin bng in:
NH trch tin k qu thanh ton. NH ghi n TK tin gi KH thanh ton, nu khng , yu cu KH gi thm tin hoc vay thanh ton L/C.

L/C cho php i tin bng in

NH pht hnh thanh ton ngay theo ch th ca in i tin Khi nhn c BCT=> thng bo cho KH v tin hnh thanh ton vi nh NK.

Thanh ton cho NH bn XK

TH : L/C thanh ton bng chp nhn hi phiu
Sau khi kim tra BCT hon ho. Nh NK ng thanh ton -> NH k chp nhn hi phiu. Sau , thng bo cho NH nc ngoi v theo di thu n nh NK.

TH: L/C cam kt tr chm

Tng t, NH ng ra cam kt tr chm thay v chp nhn hi phiu

K hu B/L hoc bo lnh cho KH nhn hng

Nhn B/L trc khi hng n cng
Nh NK n thanh ton v yu cu NH pht hnh L/C k hu B/L bn NK nhn hng .

Hng n trc B/L n sau

KH lm n cam kt thanh ton v iu kin tr gi l hng . NH xem xt v pht hnh Th bo lnh nhn hng - Shipping Gaurantee- n v NK nhn hng

Lu h s