dCu 1: (1,5 im) So snh phng thc cho vay theo hn mc tn dng v cho vay tng ln?

Theo anh (ch) phng thc cho vay no c p dng ph bin ti cc ngn hng thng mi Vit Nam hin nay? Ti sao? Cu 2: (1,5 im) Khi nhn c mt yu cu ngh cp tn dng t pha khch hng, b phn tn dng ti ngn hng phi tri qua nhng bc cng vic no ? L nhn vin thm nh tn dng ti ngn hng, trong bi cnh thc t ti vit nam hin nay, anh / ch quan tm n ni dung no nht? Hy gii thch. Cu 3: Trch mt s iu khon ca th tn dng nh sau: FR: BANK FOR FOREIGN TRADE OF VIETNAM, HOCHIMINH CITY BRANCH TO: BANK OF CHINA BRANCH, TAIWAN 40A: FORM OF DOCUMENTARY CREDIT: IRREVOCABLE 20: L/C NUMBER: 092809ILC2008 31C: DATE OF ISSUE : 30 AUG 2008 31D: DATE AND PLACE OF EXPIRY: 30 NOV 2008 IN TAIWAN 50: APPLICANT: SAIGON FOOD CO., LTD 80 HAU GIANG STR DIST.6 HOCHIMINH CITY, VIETNAM 59: BENEFICIARY: TOPER INTERNATIONAL - ASIA LTD FERDINAD STR. TAIWAN 32B: CURRENCY CODE, AMOUNT: USD 100,000.00 CIF HOCHIMINH CITY PORT VIETNAM. MORE OR LESS 10% 41D: AVAILABLE WITH:ANY BANK BY NEGOTIATION 42C: DRAFT AT: SUGHT FOR 100 PCT OF INVOIE VALUE 42A: DRAWEE: BANK FOR FOREIGN TRADE OF VIETNAM HOCHIMINH CITY BRANCH 27 BEN CHUONG DUONG ST DIST.1, HOCHIMINH CITY, VIETNAM PARTIAL SHIPMENTS:ALLOWED ON BOARD: ANY PORT FORM TAIWAN FOR TRANSPORTATION TO: HOCHIMINH CITY PORT, VIETNAM 44C: LATEST DATE OF SHIPMENT: 15 OCT 2008 DOCUMENTS REQUIRED: IN TRIPLICATE IN ENGLISH SHOWING L/C NUMBER UNLESS OTHERWISE STATED: PERIOD FOR PRESENTATION: DOCUMENTS MUST BE PRESENTED FOR NEGOTIATION WITHIN 15 DAYS AFTER SHIPMENT DATE BUT WITHIN THE VALIDITY OF L/C Cho bit: Ngy giao hng 10/10/2008, ha n s EX1379/06 ngy 12/10/2008, s tin 110,000.00 USD, ngn hng thng bo l ngn hng phc v nh xut khu. 1. V s v trnh by quy trnh thc hin L/C ni trn (1,5 im) 2. Lp Hi phiu ph hp vi ni dng L/C trn (1,5 im)

Cu 4: (4 im) Ngy 14/08/2010 cng ty Ngc Minh c nhu cu vn thc hin d n c tng d ton chi ph l 90300.000.000 ng. Ngun vn u t cho d n ny c cng ty tnh ton nh sau: Tin mt hin c :1.500.000.000 ng S tin nhn c t vic ngh ngn hng K chit khu cc giy t c gi theo bng k sau:( ngn hng K ng chit khu ngay trong ngy 14/08/2010) Mnh ngi Ngi Ngi Chng t Ngy pht Ngy o gi Pht thanh th hnh hn (USD) hnh ton hng Tri phiu 32.000 Cng ty A Cng ty Cty Ngc 01/09/2005 01/09/2010 1 A Minh Hi phiu 53.700 Cng ty H Cng ty B Cty Ngc 24/06/2010 14/11/2010 2 Minh K phiu 45.000 Ngn Ngn Cty Ngc 26/01/2009 26/01/2011 4 Hng K Hng K Minh Cng ty vay ngn hng K s tin cn thiu thc hin d n Bit rng: Tri phiu 1 c li sut 6% /nm, tr li v vn mt ln vo ngy o hn tri phiu. K phiu 4 c li sut 5%/ nm, tr li tri phiu vo ngy pht hnh Li sut chit khu ti ngn hng K l 6,5%/nm. Ngn hng tnh li chit khu ngy chit khu nhng khng tnh li ngy o hn chng t. Tin li chit khu c tnh trn s tin m ngn hng K thanh ton cho ngi ngh chit khu. Thi hn ti thiu tnh tin li chit khu l 15 ngy. Yu cu: 1. Xc nh s tin Cng ty Ngc Minh nhn c t vic chit khu cc chng t c gi trn (1,5 im) 2. Trnh by quy trnh nghip v chit khu Hi phiu 2 (0,5 im) 3. Cng ty Ngc Minh quyt nh bn s tin nhn c t vic chit khu cc Chng t c gi trn cho ngn hng K ly VND s dng cho d n. Trong ngy giao dch, t gi ngn hng K nim yt nh sau: USD/VND = 20.292 - 20.350. Sau khi thm nh d n, ngn hng K ng ti tr cho khch hng thc hin d n du t ny. Tnh s tin cng ty cn vay thn t ngn hng K thc hin d n. (0,5 im) 4. S tin vay dc ngn hng K gii ngn mt ln, hp ng tn dng tha thun thi hn tr n l 3 nm, 6 thng thanh ton n 1ln vo cui k theo phng thc k khon c nh, tin li tnh trn s d n u mi k vi li sut 16%/ nm. Hy lp bng k k hoch tr ni cho khon vay ny.(1,5 im)