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ĐẠI HỌC KINH TẾ QUỐC DÂN ----------oOo---------- HOẠT ĐỘNG THANH TOÁN QUỐC TẾ TRONG NGÂN HÀNG THƯƠNG MẠI GVHD: Ths. Nguyễn Thị Diệu Chi SV: Trần Xuân An Nguyễn Nhật Anh Nguyễn Thị Vân Anh Nguyễn Tuấn Anh Đoàn Thị Ngọc Ánh Trần Huy Đạt Vũ Tiến Đạt Nguyễn Nghĩa Tuyên Hà Nội, tháng 3 năm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`N4+ 4aa/V'%2/$%"%L/%X!E/><b:1c6*I48 4!/<-deB/9'' I7/%#48 [<$/6=' I7/%#6(d!<f1'-'<$/6=E%# &%g/V'%2F2/!/<-/%# )/>Z'<5']! 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MỞ ĐẦU ><d&%'l/<)'c h!%2!Ig=%mBE%/(. &'/(F)o /(/p/ I( 6&%0Z%/p/'l'-'. &'%!/>k/(%Z%"%2/!16q65/<$/6=/1$% . &'/(Fk)6c 0)'<%6hF)'<6H/p/I( /><'%(Fn'B-//>%7 E%/('3!1a></1$%. &'/(g'h1=/0G/>P(/]9'. !/>ihF) 1r/oP'/><0%2''rB&%0)/s'6tI'-'<$/6=E%Q<!E-''3!* )E%Q<!<$%/2g/)%/>no p/mBEt gdl<Fq*)/>< <$%/g/:'H f0& I6=65'd%2/F)0&<$%/2u W. !<$/6=/!/<-. &'/(g'-'*)/1$%'h']v Ew6G0G/('3!1x/>H/>H. &'/(g/:/ mB0)B-//>%7 6G/><1W%/>H'$/>!\<6h0%2'E%2/<)0)*'!<%2 . l<$/ 6=/!/<-. &'/(F)Ik 'c /Ho Ik0)d9'/%(/6&%0Z%1y%* )/1$%h%>%k0)/<)d=2/&*)/1$%"%2/!1 h%' Chương 1: Tổng Quan Về Thương Mại Quốc Tế Và Ngân Hàng Thương Mại 1.1 Khái quát chung về Thương mại quốc tế 1.1.1 Khái niệm của Thương mại quốc tế 1$%. &'/(KNF)]V/>!<6%)h!0)QG'0R%b!'-'. &' %!g/W. !1 !d-gFpI/%#/2F)11W%%Z%/ */L< Ik/r'/>!<6% !%-e16!F$%Fn%P''<'v'dH F)1=//><b<$/6='P0)'dl'3!. !2E%/(. &' /(>!6H%/S>p/]Z1gd!6c 'jF)]V/>!<6%)h!6/ c%b!'-' /%!1!. &'/G'E-'! f&''3!hF%k. !6(0%2'%l1 '%BP]lo p/g1z>=]lo p/g' Ik1Wh!QV!/>k']zFn%/(]<]- ></(%Z%%26$%g%b0!%/>@(/]9'. !/>i0)'c/%(/'< 0%2'/V'%2' Ik1Wh!676$/%2 . lE%/('!</><#'W%2B %26$%h/7h%%2!Ig%b1=/0G/>P/> /*1/><. !2E%/( . &'/( 1.1.2 Đặc điểm của Thương mại quốc tế 'hb65'6%71%dm/E-'0Z%/1$%/><Z'b6%71 'dl]! Một là:<$/6=d Wd-0n/>!<)%d%k%Z%. &'%!)h!'h/7 Q%' I7/SZ')I. !Z'E-'E-%%21)I'{'j1!/P 'p//6&%dz%1 !d-)h!'<H%Z'<)%6!]%]&z1=/ . &'%!'{'h/7'<%F)<$/6=o p/Et + Hai là:!1%!0)<F)bH%'h. &'/G'E-'! g/ I%k E-%%21)I'{EW'Po-'/ I2/6&%0a/><6%# E%2%2!Igz'-' Z'/>k/(%Z%g67B*d%2/0)E%Q<!/><Z'gH%/!]|QR I( /&Fq/g%'/>s<5'/>R]z/!I0aI( /&. &'/G' Ba là:f/%#/!/<-F)<$%/26&%0Z%1=/dk<5''l!%dk ></H%6$%)I!IgEW'h#E%/(. &'%!)<'h/7/f/$%6=' FmB1)dr/d ='Bl%/!1%!<$/6=d!<f1b<$/ 6=]! } p/mBEt )<-b aK Ik0m/F%2 g1-I1h'g/%(/dGg F/V'g/V'Bt1g)/%k Q~N } p/mBEt )<-0WaK'-'dP. I(/'W2gdeB-/1% ]-'(gBc1#10%/PQG'0RFrB65/g' I7%!<'W2gQ FG'guN Y%!'W/ k'<Z'<)%0)/ kZ'<)%%!'W -%o p/Et KmB)>f%o p/]!Z'/9g<5''j/V'%2'-' QG'0R0m/l%. -'lgF E<dq%gdl<. luN } p/Et /$%'y' 'pB)<-QG'0R'<<$%%!<6<)gE-' Q FG'. &'/(u 1.2 Khái quát chung về Ngân hàng thương mại 1.2.1 Khái niệm : ><2/&*)g*)/1$%KNF)1=//><b *)>!6H%/S]Z1g/c1E<l' &%/(E`?gd!6c 6hF)bQ<! %2BE%Q<!/%#/2go p/B-//S 'c ' I76%gQG'0Rdl<. l0) '<0!I0)d$''o!)I!Ig'-'6h'hbdZ'/%(0n/dm']< 0Z%o p/o9d!6c g0Z%%2B0RE%Q<!B<Bsg''p /'9'>=FZg u L<JYCCJ!G )g%-</>a•*)/1$%€g}X$% i',%/(. &'Q*g4^^O•*)/1$%F)'-'/'9'/)%'P' 'pB1=/Q!1R''-'QG'0R/)%'P6!Q$p/T65'd%2/F)/PQRg/%(/ E%21gQG'0R/!/<-0)/V'%2%# '9':/)%'Pp/]<0Z%dp/E• 1=//'9'E%Q<!/><#E%/(€ L< m/'-'/'9'/PQR]&^OUAAOd!))I4U4UAAO/a •*)/1$%F)1=/F<$%a/'9'/PQR6n'/V'%2/<)d= <$/6=*)0)'-'<$/6=E-''hF%k. !><6h/'9'/P QRF)F<$%aQ<!%2B6n'/)FmB/L<F m/)I0)'-'. I6GE-' '3!B-BF m/F%k. !67<$/6=E%Q<!/%#/2gF)1QG'0R*)0Z% =%Q m/%#|%0)]|QR/%#|%67'pB/PQR0)' 9'-'QG'0R /!/<-€ 8 h1F$%g. !'-'E-%%21E-'! 0#*)/1$%6q6n'6#'mB z/>kg/!'h/7E-%. -/F$%F)Q<!%2B65'd%2/E%Q<!F<$% )h!65'd%2/6hF)/%#/2g/W. !<$/6=/PQRg/!/<-g/%(/ E%21ue11R'6P''PF)6-B9 'c 0#0&'3!Q*'67/ Fn% m 1.2.2 Chức năng của Ngân hàng thương mại 1.2.2.1 Trung gian tài chính h/7h%g6*IF)'9':'dlp/'3!g/7%2/c1. !/>i '3!h6&%0Z%#E%/(*)/V'%2'9':/> %!/)%'P de'-' I6= f0&)>y%'3!oq=%e11R'6P'EP'/P'. - />aF *' I70&67/-%]lo p/1z>=g6f/H%6!/%(/E%216(0Z%6c //>kB$10%/<)oq=% <$/6='3I( '3!*)F)' I7/%(/E%21/)6c //W. !]V /%(Bos'%b!!%F<$%'-*0)/'9'/><#E%/(hF)b'-*g /'9'/$1/H%/*1R/'%/%k g'cd] 0&0)b'-*g/'9' /5Q'%/%k g'h/%#67/%(/E%21CV/f/$%'3!!%F<$%'-*0)/'9' )I<)/<)6='FmB6h%0Z%*)%# /p/I( F)/%#]‚' I7/Sh1 bH%/%(/E%21]!h1bH%6c /. !2/PQR />V'/%(B)IdG%Z%$Q<>)d ='0#. I1Wg/H%%!gEW%!uS6h lI]%/> %!/)%'P> %!/)%'PF)1/:/ mB'<H%/%(/ E%k1g/S6hE I(EP'/%(/E%21g6f/H%%l1BP//PQR'<H%6c /g/S6h'{E I(EP'6c /> %!/)%'P6q/mBnB6n'H% /%(/E%210)6c /g%l%. I(/6n'1* / ƒ'3!/PQR/>V'/%(Bde'-']| QRE„/ m/%2B0R67$'(gB*/->3%><0)%l1'%BP%!<QG' c (/F…/ I(/%26$%6# %l%/P']V/f/$%'3!*)de'-''j >!]VEW<)l<'3!2/&/)%'Pw$'-'E<l/PQR0) '9E<-EW/7'%!v67/p/'l1i%H%6# 'h/71 !/a*) ' 'pBQG'0Rge1'%!v'9E<-6h/)bE<lvg BR'0R'<)/>%2 H% *)]†])'pBm'-'E<l0!I'<0!I>3%><0)B-/) '9E<-P/>3%><67/v!1q 'c /!E<l'3!E-') Xk'$6hg*)'@/V'%2/&/'9':/> %!/)%'Pdz% El:/t16G/&//W/%g/S6h'h/76-%-0)FV!'i'-'/G/>Hg 'W'R1!F$%Fn% mpBQƒp/'<'lE-')0)*) 1.2.2.2 Tạo phương tiện thanh toán %#[0)'h1=/'9':. !/>iF)F)1B/%2/!/<--' *)6qEW/$<6n'/%#E%1F<$%-'*)/n0)/$<B /%2/!/<-E%B-/)%pImn0Z%E-')Y%pImnQ<* )B-/)0Z% 6%71p/6G6q/>z/)B/%2/!/<-/!I ; '</%#E%1F<$%QV!/>k]&Fn/%#E%1F<$%6!r1%b"Z%%# /(g QcQc%pIn'3!*)6q/!I/(/%#E%1F<$%F)1B/%2F /W 0)B/%2'p//>bgh/>z/)/%#%pI "%2'%/%#1!F$%Fn% m>p/FZg6f/H%0Z% 'c 'h6f/%#. &' %!Q Ip/6qQƒ6(0%2')Z'/mB/> . I#FV'B-/)K%N/%# %pI0)<1=//'9'<5'F)X=)%'ZF)*)> S6h'p1 Q9/0%2''-'*)/1$%/$<>!'-'%pId$''3!>%k1a ><6%# E%2B-//>%7!/<-. !*)g'-'E-')m/pI ( i'h6n']&Q/>k/)%E<l/%#|%/!/<-gi'h/7'%/>l67'h 6n')<-0)'-'QG'0R/L<Ik 'c L<. !6%71%26$%g6$%Fn /%#/2d!<f1%# d=Bm ,%*)'<0!Ig]&Q/>k/)%E<l/%#|%/!/<-'3!E-') /:FkgE-')'h/7Q~671 !)0)QG'0R\<6hgde0%2''< 0!IK!I/$</PQRN'-'*)6q/$<>!B/%2/!/<- <)d=2/&*)'{/$<B/%2/!/<-E%'-'E<l /%#|%6n'1z>=/S*))I6(*)E-'/>k']z'<0!I ,%E-')/$%1=/*)]|QRE<l/%#0!I67'%/>l/a]‚/$<k E<l/ K/9'F)1/:]&Q/%#|%N'3!1=/E-')E-'/$%1=/* )E-'/S6h/$<>!'-'E<l'<0!I1Z% 1.2.2.3 Trung gian thanh toán *)/>z/)/> %!/!/<-FZp/%2!I'3!c (/'-' . &'%!!I15/E-')g*)/V'%2/!/<-%-/>G)h!0) QG'0R70%2'/!/<-!'hg/ m/%20)/%(/E%21'%BPg* )6!>!'<E-')%# a/9'/!/<-E-'! /!/<- de]D'g3I%21'%gH/ g'-'F<$%/‡u' 'pB1$FZ%/!/<-6%2 /|gE(/&%'-'. ˆ0)' 'pB/%#%pIE%E-')'c-'*)'@ /V'%2/!/<-d~/>S0Z%! /W. !*)> <5'/W . !'-'/> /*1/!/<-W2/!/<-. !'-'*)')6$/ 6n'%2 . l'!<E%. %1W]|QR'W26h')6n'1z>=Xz%0mIg 'W2/!/<-%26$%. !*)/H6n''-'). lF…-BQR >=>q%%# a/9'/!/<-6n'' th!6qhBBc/$</P/& p//></!/<-gEW'j%b!'-'*)/><1=/. &'%!1)'@ %b!'-'*)/>k/(%Z%-'/> /*1/!/<-. &'/(6n'/%(/FmB hBBcF)1/:%2 . l'3!/!/<-. !*)gd%(*)/>z /)/> /*1/!/<-. !/>i0)'h%2 . lgBR'0R6r'FV''<# E%/( O Chương 2: Hoạt Động Thanh Toán Quốc Tế Trong Ngân Hàng Thương Mại 2.1 Khái niệm hoạt động Thanh toán quốc tế trong Ngân hàng thương mại ></H%6$%%2!Ig. !2. &'/(%b!'-'. &'%!d!<f1%# F„ 0V'E%/(g'P/>Gg<$%%!<g0:h!gE<!i'E„/ m/u/a/><6h . !2E%/(0ƒ'%(10!%/>@'36$<0)F)']z'<'-'. !2. &'/(E-' /f/$%0)B-//>%7 !2E%/(. &'/()I')B-//>%7g 'c '%/>l 0)/!/<-%b!'-''3/7z'-'Z'E-'! ')/:g/S6*Ia/) <$/6=/!/<-. &'/(KNg1)*)F)'c &%%b!'-'dk<$/ 6=>!6H%g/>z/)1=//><bQG'0R. !/>ip//><1l E%Q<!6&%<$%'3! 6n'%7 F)0%2'/V'%2'-'„!0R'%/>l0). I#zFn%0# /%#/2B-/]%/>k']z'-'<$/6=E%/(0)B%E%/(%b!'-'/'9'g'- *Z')I0Z%/'9'g'-*Z'E-'g!I%b!1=/. &'%!0Z%/'9' . &'/(g/W. !. !2*)'3!'-'Z'F%k. ! ( 'j6#'mB6('-'. !2/!/<-B-/]%/><F„0V'E%/(0) /)%'P/!'h/76G„!]! •F)0%2''%/>l'-'„!0RIk 'c 0#/%#/2B-/]%/S'-'. !2 E%/(g/1$%g/)%'Pg/PQR%b!'-'/'9'E%/(. &'/(g%b!'v' hg%b!'-''-*'3!'-'Z'E-'! 67E(//s'1=/' />a<$/ 6=/><F„0V'E%/(6&%<$%de'-'a/9'' I7/%#!Id~/>S />H'v'/)%E<l/$%'-'*)€ %b'9':*). &'/('3!*)/1$%h6n' a/)0)B-//>%7/>k']zB-//>%7<$%/'3!1=/Z'0)* )/1$%6n')Z'%!<'<6='. I#F)1'W/-'/!/<-)I ? \<0mIg'-'%!<QG'/!/<-/><<$%/6# Bl%/W. !* )*IF)%2B0R6@%v%/>a6=' Ik1Wg9QR'W2* )g/$<]V!/<)0)%2 . l6&%0Z%0)'-'Q<!%2Bo p/mB Et 2.2 Vai trò Thanh toán quốc tế của Ngân hàng thương mại trong Thương mại quốc tế F)E* /L'&/' &%'~EDBEP1=/' E•1 !d-)h!!I />!<6%QG'0R"%2'/!/<-/%#)6n'!'hg'Po-'g!/<) F)6l1dl<%l%. I(/6n'1&%. !2F /Wh![/%#/2%b!H%1 ![ H%d-"#15/E%Q<!g/!/<-/%#)/7%2'p/FnE% Q<!gh%Fk%2 . lE%/(0#/)%'P/><<$/6='3!Q<!%2B Đối với NHTM, TTQT thể hiện những vai trò quan trọng như sau: Một là:/$<6%# E%2/ s/E-')g1z>=/G/>H ,-')/a16(*)0Z%1<1 &6n'/v!1q'-' 'c 0# QG'0R/)%'P><6%# E%2%2!Igd Wd-E%Q<!gQ FG'g6c /g u6q0n/>!Ev%d%k%Z%'3!. &'%!g 'c 6&%0Z%'-''-*g/ '9')I')FZ5/E-'g/><' =''$/>!!Ir/%b!'-'* )g0%2'6-B9EGB/H%g6cI63 'c '3!E-')F)1=//><b 1R'/%k 1)'-'*)Z6(ge1/ s/E-')0)'%(1F„/G />H Hai là:/$<El:/:Q<!/ 0)Fn% m ,%E-')6(0Z%*))I')%# /aFn%P''3!*) )I')/:,WbQ<!/ '3!*)/:Fk/ I2/6&%1) bE<l/ BP'{/:Q<' 'pB6n'%# '-'QG'0R'<E-' )g6%# 6hy/>n'<<$/6=E-''3!*)/k1B-//>%7S6h *)'h6%# E%2/:/k1 f0& I6=g/$<6%# E%21z>=. 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