Nghien Cuu Khoa Hoc

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Thc trng v gii php pht trin nghip v bao thanh ton ti cc NHTM ca Vit Nam

MC LCMC LC...................................................................................................................................1 LI M U.............................................................................................................................5 Tnh cp thit ca ti..............................................................................................................5 Mc ch nghin cu...................................................................................................................5 i tng v phm vi nghin cu...............................................................................................6 Phng php nghin cu.............................................................................................................6 Ni dung kt cu ca bi nghin cu:.........................................................................................6 CHNG I: C S L LUN V BAO THANH TON......................................................7 1.1. Nhng vn c bn v nghip v bao thanh ton.............................................................7 1.1.1. C s ra i ca bao thanh ton ..................................................................................7 1.1.2. Khi nim, bn cht ca bao thanh ton.......................................................................7 1.1.2.1 Quan im ca FCI.................................................................................................7 1.1.2.2. Theo cng c UNIDROIT...................................................................................8 1.1.2.3. Theo quyt nh s 1096/2004/Q NHNN........................................................8 1.1.2.4. Theo quan im nh nghin cu............................................................................8 1.1.3. Phn loi bao thanh ton...............................................................................................9 1.1.3.1. Phn loi theo ngha bo him ri ro thanh ton.................................................9 1.1.3.2. Phn loi theo phm vi thc hin...........................................................................9 1.1.3.3. Phn loi theo phng thc bao thanh ton.........................................................10 1.1.3.4. Cn c vo cch thc thc hin...........................................................................11 1.1.4. Quy trnh thc hin bao thanh ton ph bin trong thc t........................................11 1.1.4.1. H thng mt n v bao thanh ton....................................................................11 1.1.4.2. H thng hai n v bao thanh ton.....................................................................13 1.1.5. Tin ch v ri ro khi s dng cng c bao thanh ton...............................................15 1.1.5.1. Tin ch ca bao thanh ton.................................................................................15 1.1.5.2. Ri ro khi thc hin bao thanh ton.....................................................................20 1.2. So snh bao thanh ton v cc hnh thc tn dng khc.....................................................21 1.2.1. So snh bao thanh ton vi cho vay thng thng.....................................................21 1.2.2. So snh bao thanh ton v chit khu giy t c gi..................................................22 1.2.3. So snh bao thanh ton vi nghip v bo lanh..........................................................23 1.2.4. So snh bao thanh ton v cho thu ti chnh.............................................................24 1.3. Kinh nghim v hot ng bao thanh ton trn th gii....................................................25 1.3.1. Kinh nghim thnh cng ca Php.............................................................................25 1.3.2. Kinh nghim thnh cng ca c...............................................................................25 1.3.3. Kinh nghim thnh cng ca M................................................................................25 1.3.4. Kinh nghim ca Trung Quc.....................................................................................26 1.3.5. Kinh nghim ca Nga.................................................................................................26 1.3.6. Kinh nghim n .....................................................................................................27 1.3.7. Kinh Nghim ca Nht Bn........................................................................................27 1.3.8. Kinh nghim ca i Loan.........................................................................................28 1.3.9. Kinh nghim Thi Lan................................................................................................28 Tng kt chng I.....................................................................................................................28 CHNG II: THC TRNG V BAO THANH TON TI CC NHTM CA VIT NAM.........................................................................................................................................29 2.1. Quy nh v bao thanh ton ti Vit Nam..........................................................................29 2.1.1. Cc vn bn php lut hin hnh................................................................................29 2.1.2. i tng thc hin v s dng bao thanh ton.........................................................29 2.1.3. Li v ph trong hot ng bao thanh ton..................................................................31 2.1.4. Cc khon phi thu khng c bao thanh ton.........................................................31 1

Thc trng v gii php pht trin nghip v bao thanh ton ti cc NHTM ca Vit Nam 2.2. Tnh hot ng ca cc NHTM ti Vit Nam....................................................................32 2.2.1. Nng lc ti chnh ca cc ngn hng thng mi.....................................................32 2.2.1.1. Vn iu l...........................................................................................................32 2.2.1.2. Mc an ton vn..............................................................................................35 2.2.1.3. T l n xu trn tng d n ..............................................................................36 2.2.1.4. Hiu qu hot ng kinh doanh v kh nng sinh li..........................................37 2.2.1.5. Tng mc huy ng vn ca h thng ngn hng...............................................37 2.2.1.6. Tng d n tn dng ca ton h thng ngn hng..............................................38 2.2.2. Tnh hnh chung thc hin nghip v bao thanh ton ti Vit Nam...........................42 2.3. Tnh hnh bao thanh ton c th ti cc NHTM.................................................................47 2.3.1. Thc trng bao thanh ton ti VCB............................................................................47 2.3.1.1. Nhu cu pht trin hot ng bao thanh ton ti VCB........................................47 2.3.1.2. Nguyn tc bao thc hin bao thanh ton............................................................48 2.3.1.3. Thc trng hot ng bao thanh ton ti VCB....................................................56 2.3.2. Thc trng bao thanh ton ti VIB..............................................................................59 2.3.2.1. Nguyn tc thc hin bao thanh ton ti VIB......................................................59 2.3.2.3. Thc trng hot ng bao thanh ton ti VIB .....................................................65 2.4. nh gi vic thc hin nghip v bao thanh ton ti Vit Nam......................................66 2.4.1. Kt qu t c.........................................................................................................66 2.4.1.1. Nghip v bao thanh ton c bn hnh thnh v ang dn pht trin theo hng a dng v chuyn nghip hn...............................................................................66 2.4.1.2. Nghip v bao thanh ton gp phn thc y s pht trin ca cc dch v khc ca ngn hng ...................................................................................................................67 2.4.1.3. Nghip v Bao thanh ton gp phn thc y s pht trin ca cc doanh nghip, c bit l cc doanh nghip xut nhp khu Vit Nam...................................................68 2.4.2. Hn ch v nguyn nhn.............................................................................................68 2.5.2.1. Hn ch cn tn ti...............................................................................................68 2.4.2.2. Nguyn nhn xut pht hn ch...........................................................................69 Tng kt chng II:...................................................................................................................73 CHNG III: GII PHP PHT TRIN BAO THANH TON TI CC NHTM CA VIT NAM...............................................................................................................................75 3.1. Gii php v mt v m......................................................................................................75 3.1.1. Nhanh chng hon thin khung php l cho hot ng bao thanh ton.....................75 3.1.2. Xy dng trung tm iu tit qun l thng tin tn dng, nh gi cht lng cc bn nhm cung cp nhng thng tin xc thc cho cc n v BTT. ..........................................78 3.2. Gii php vi m .................................................................................................................79 3.2.1. Xy dng sn phm ph hp v chin lc marketing...............................................79 3.2.2. Chnh sch h tr v gi v ph khi tham gia hnh thc BTT...................................81 3.2.3. Xy dng quy trnh la chn v kim sot bn bn....................................................82 3.2.4. Xy dng quy trnh la chn v kim sot bn mua ................................................85 3.2.5. Qu trnh qun l khch hng.....................................................................................87 3.2.6. Qun l cc khon phi thu.......................

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