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TRUING DAI HOC KINH TE QUOC DAN - BDoOcaca DAI HOC KTQD TT THONG TIN THV WEN PHONGLUAN AN-TU LIEU NGUYEN THI TRANG NHUNG NGHIEN Cl'i'U NHUNG CO SO DE HOAN THIEN HOAT DONG THANH TOAN • • • QUOC TE O NGAN HANG THUONG MAI CO PHAN DAI • DUONG Chuyen nganh: Kinh te va quan ly thuong mai LUAN VAN THAC SY KINH TE N’guoi huong dan khoa hoc: PGS.TS NGUYEN VAN TUAN HA NOI, NAM 2012 DANH MUC CAC KY TU" VIET TAT • • Tieng Viet STT Ky hieu CBNV CNTT 10 11 KTT NH NHK NHNN NHTM NK 12 13 14 15 16 17 PGD TCTD TGD TTQT XK XNK Can bo nhan vien Cong nghe thong tin Chinh phu He thong phan mem ngan hang loi Hoi dong quan tri Khoi Thanh toan Ngan hang Ngan hang khac Ngan hang Nha nudc Ngan hang thuong mai Nhap khau CP FCC HDQT A ' ' NghTa day du ■ i • Phong giao dich •> To chuc tin dung Tong Giam doc Thanh toan quoc te Xuat khau Xuat nhap khau Tieng Anh STT NghTa Tieng Viet Van don duong bien Nho thu tra cham Nho thu tra Documents against Payment Thu tin dung Letter of Credit Chuong trinh luan Message Route chuyen dien Ngan hang thuong mai OceanBank Ocean Commercial Joint co phan Dai Duong Stock Bank Society for World-wide Interbank Hiep hoi vien thong SWIFT lien ngan hang va tai Financial Telecommunication chinh quoc te Uniform Rules for Collections Quy tac thong nhat ve URC nho thu Ky hieu B/L D/A D/P L/C MR NghTa Tieng Anh Bill of Lading Documents against Acceptance UCP Uniform Customs and Practice 10 ISBP International Standard Banking Practice 11 IEFTP 12 CHIPS International Electronic Funds Transfer System Clearing House Interbank Payment System Ban quy tac va thuc hanh thong nhat ve tin dung chung tir Tieu chuan quoc te ve thuc hanh ngan hang theo phuong thuc tin dung chung tir He thong chuyen tien dien tu quoc te He thong toan bu trir quoc te MUC LUC • • DANH MUC CAC KY TV VIET TAT DANH MUC BANG, BIEU DO, DO THI, SO DO TOM TAT LUAN VAN LCD mV DAU .1 Chirong 1: LY LUAN CHUNG VE NHLNG CO SO DE HOAN THIEN HOAT DONG THANH TOAN QUOC TE TAI NGAN HANG THUONG MAI 1.1 Nhirng co* so' de hoan thien hoat dong toan quoc te tai ngan hang thirong mai 1.1.1 Khai niem, dac diem, phuomg thuc cua hoat dong toan quoc te tai ngan hang thuong mai 1.1.2 Nhung co so de hoan thien hoat dong toan quoc te tai ngan hang thuong mai 15 1.2 Vai tro cua nhirng co’ so doi voi hoat dong toan quoc te tai Ngan hang thuong mai 24 1.2.1 Vai tro cua hanh lang phap ly 25 1.2.2 Vai tro cua he thong mang toan lien Ngan hang SWIFT 25 1.2.3 Vai tro vat chat ky thuat cua ngan hang 26 1.2.4 Vai tro cua nguon nhan luc 27 1.3 Cac nhan to anh hirong den co* so hoan thien hoat dong toan quoc te tai Ngan hang thirong mai 28 1.3.1 Cac nhan to chu quan 28 1.3.2 Cac nhan to khach quan 30 Chirong 2: THVC TRANG CO SO CHO HOAT DONG THANH TOAN QUOC TE TAI NGAN HANG THUONG MAI CO PHAN DAI DUONG 33 2.1 Thirc trang hoat dong toan quoc te cua ngan hang OceanBank 33 2.1.1 Ket qua hoat dong kinh doanh chung cua ngan hang OceanBank 33 2.1.2 Ket qua hoat dong toan quoc te cua ngan hang OceanBank 43 2.2 Thye trang cac co so cho hoat dong toan quoc te cua Ngan hang OceanBank 54 2.2.1 Thue trang hanh lang phap ly cua hoat dong toan quoc te 54 2.2.2 Thue trang toan bang he thong mang lien ngan hang SWIFT 55 2.2.3 Thue trang co so vat chat ky thuat cho hoat dong toan quoc te 57 2.2.4 Trinh chuyen mon, dao dure nghe nghiep cua CBNV ngan hang OceanBank 59 z z 2.3 Danh gia thuc trang co' so* cho hoat dong toan quoc te cua ngan hang OceanBank 62 2.3.1 Nhung tun dat dirge co so cho hoat dong TTQT tai OceanBank 62 2.3.2 Nhung van de ton tai co so cho hoat dong toan quoc te tai OceanBank 68 2.3.3 Nhung nguyen nhan chu quan 71 2.3.4 Nhung nguyen nhan khach quan 72 (huong 3: GIAI PHAP TANG (LONG CO SO DE HOAN THIEN HOAT DONG TTQT TAI NGAN HANG TMCP DAI DUONG 75 3.1 Muc tieu, dinh huong phat trien cua ngan hang OceanBank thoi gian tdi 75 3.1.1 Muc tieu, dinh huong phat trien chung cua toan he thong ngan hang OceanBank 75 3.1.2 Muc tieu, dinh huong phat trien nhung co so cho hoat dong toan quoc te 76 3.2 Giai phap tang cuong co* so* de hoan thien hoat dong TTQT tai Ngan hang TMCP Dai Diro*ng 78 3.2.1 Hoan thien he thdng phap ly, chinh sach toan quoc te 78 3.2.2 Hoan thien, nang cao he thong mang toan lien ngan hang SWIFT 80 3.2.3 Nang cap co so vat chat ky thuat nham phuc vu tot nhat cho hoat dong TTQT tai ngan hang OceanBank - 82 3.2.4 Day manh cong tac boi duong nghiep vu cho can bo cong nhan vien 84 3.2.5 Phat trien cac chinh sach da dang hoa va nang cao chat luong dich vu hoat dong TTQT 88 3.3 Kien nghi nham hoan thien va nang cao hoat dong TTQT 91 3.3.1 Kien nghi doi vdi Ngan hang Nha Nude 91 3.3.2 Kien nghi doi vdi Nha Nude 93 PHAN KET LU AN 96 TAI LIEU THAM KHAO 97 DANH MUC BANG, BIEU DO, DO THI, SO DO BANG Bang 1.1 So sanh rui ro giua cCc phuong thuc toCn hoat dong TTQT 15 Bang 2.1 So lucmg chi nhanh va PGD qua cac nam 40 Bang 2.2 Tong quan lch rdiuan cua hoat ddng TTQT qua ctic nam 44 Bang 2.3 Tong ihu, cch cua hoat dong iharni Ioan quoc it qua cac ndm 45 Bang 2.4 So lan chuyen tien di nuoc ngoai va chuyen tien ve tu nuoc ngoai qua cCc nam 46 Bang 2.5 GiC tri chuyen tien di nuoc ngoai va chuyen tien ve tu nuoc ngoai qua ccc nam 47 Bang 2.6 So lan nhd ihu NK va XK qua cac nam .49 Bang 2.7 GCa trl nhd thu NK qua cac nam 50 Bang 2.8 GCa rri nh^o thu XK qua cac nam 50 Bang 2.9 So lan ihhrc ihen L/C NIK va XK qua cccc nam 51 Bang 2.10 GCa trl L/C NK-qua cac nam 51 Bang 2.11 GCa trl L/C XK qua c^cic nam 52 Bang 2.12 Sc lan thuc hitn va gic tri thong bCo bao lanh nuoc ngoai qua ccc nam 53 Bang 2.13 Co cau idian isr iheo irirdi 60 Bang 2.14 So lan chuyen tidn quoc ie di va den qua SWIFT 63 Bang 2.15 Gia irr chuyen tien di nude ngoai qu sach quan ly ngoai hdi, tien tdi xoa bo quan ly han ngach nhap khau ma thay the bang viec ap dung cac bien phap ve thue Kip thdi phat hien cac lech lac thuc thi song can mem deo linh hoat tao dieu kien cho cac doanh nghiep duoc chu dong hoat dong kinh doanh nhung van dam bao dn dinh kinh te dat nudc 96 PHAN KET LUAN r a r a a Trong xu huong hoi nhap kinh te toan cau, hau het cac nuoc deu tham gia thuong mai quoc te nham tan dung loi the so sanh cua nuoc minh de tang phuc loi cho xa hoi Mot nhung nhan to quan de thuc day hoat dong thuong mai quoc te cua quoc gia la hoat dong TTQT Chuong va chuong trinh bay ly luan chung va thuc trang cua nhung co so hanh lang phap ly, he thong mang toan lien ngan hang SWIFT, co so vat chat ky thuat va nguon nhan luc hoat dong TTQT cua ngan hang thuong mai noi chung va cua OceanBank noi rieng da cho thay ngan hang da no luc phat trien nhung co so nhien van nhieu han che tinh chat phuc- tap, doi hdi nhieu ky nang va mang tinh nhay cam cao cua hoat dong TTQT Tu thuc tien do, luan van da dua nhung de xuat va giai phap nham nang cao va hoan thien cac co so hoat dong TTQT nhu xay dung khung phap ly r r r hoan chinh cho hoat dong TTQT phu hop voi thong le, tap quan quoc te, nang cap he thong phan mem cong nghe dap ung cac yeu cau cua to chuc SWIFT, day manh cong tac boi duong nghiep vu cho can bo cong nhan vien, mo rong va tang cuong quan he ngan hang dai ly Luan van su dung phuong phap nghien cuu tong hop da neu len duoc nhung luan cu khoa hoc va cac giai phap hoan thien nhung co so de phat trien hoat dong TTQT Luan van da hoan duoc nhiem vu chu yeu sau: Mot la, tong hop va he thdng hoa co chon loc ly luan co ban ve nhung co so de hoan thien hoat dong toan quoc te va vai tro cua nhung co so hoat dong TTQT cua NHTM A Hai la, dua tren co so ly luan ve nhung co so de hoan thien hoat dong TTQT, khoa luan da phan tich danh gia thuc trang mot cach toan dien, sau sac nh&ng co so tai OceanBank Qua rut nhung tuu cung nhu han che va nhung nguyen nhan gay kho khan hoat dong TTQT Ba la, luan van da dua nhung co so de hoan thien, nang cao va kien nghi de day manh hoat dong TTQT, gop phan phat trien va hoan thien nghiep vu tai ngan hang, nang cao hieu qua canh tranh cua OceanBank tren thi truOng 97 TAI LIEU THAM KHAO Ngan hang TMCP Da i Duong (2007 2008 2009 ^010 2011.2012) Bao cao thuang nien, Ha Noi Ngan hang TMCP Dai Duong (2227, 2228, 22291 22121 2211), Bao cao tai chinh Ha Noi Ngan hang TMCP Dai Duong (2212 2211, 2212) Bao cao dinh ky cua Khdi TTQT, Ha Noi David Cox (1997), Nghiep vu ngan hang hien dat NXB Chinh tri Qudc gia Ducley G Luckett (2221), Money and Banking Me Graw - Hill Book Company Frederic S Mishkin (1994) Tien te, Ngan hang va Thi truang Tai chinh NXB Khoa hoc va ky thuat Ha Noi Phan Thi Thu Ha (2227) Ngan hang thuang mai NXB Dai hoc Kinh te Qudc dan, Ha Noi Nguyen Minh Kieu (2221), Thi truang ngoai hoi va TTQT, NXB Dai hoc Qudc gia, TP Hd Chi Minh Qudc hoi (2210) Luat cac to chuc tin dung 12 Le Thi Phuong Lien, Nang cao hieu qua hoat dong toan qudc te cua r r cac ngan hang thuang mai Viet Nam luan an tien si kinh te, ma sd 62.31.12.21, dai hoc Kinn t eQuuc ddn 11 Do Tat Ngcc, Giai phap hoan thien moi truang luat phap nghiep vu toan qudc te cua ngan hang Thuang mai Viet Nam de tai nghien cuu khoa hoc cap nganh, ma sd: KNH.23.26 f Ngan hang TMCP Dai Duong (2212), Quy trinh ve nghiep vu chuyen tien A 12 A Qudc te Ha Noi A 13 Ngnn hang TMCP Dai Duong (2212), Quy trinh ve nghiep vu nha thu chung tu TTQT tai ngan hang TMCP Dai Duang Ha Noi 14 Ngnn hang TMCP Dai Duong (2212), Quy trinh ve nghiep vu toan bang hinh thuc thu tin dung tai ngan hang TMCP Dai Duang Ha Noi 15 Ngnn hang TMCP Dai Duong (2212), Quy dinh ve nghiep vu TTQT tai ngan hang TMCP Dai Duang, Ha Noi 98 16 Ngan hang TMCP Dai Duong (2012), Quy trinh dao tao tai ngan hang TMCP Dai Duomg, Ha Noi _ 17 r r •> Ngan hang TMCP Dai Duong (2012), Quy che ve co cau to chuc va chuc nang nhiem vu cua Khoi TTQT, Ha Noi A 18 Ngan hang TMCP Dai Duong (2012), Quy trinh ve quan ly va su dung chuong trinh Message Route, Ha Noi 19 Peter Rose (1999), Quan tri ngan hang thuong mai, NXB Tai chinh 20 Dinh Xuan Trinh, (2002), Giao trinh TTQT ngoai thuong, NXB Giao due 21 Nguyen Huu Tuu (2002), Ky thuat nghiep vu ngoai thuong, NXB Giao due TIENG ANH 22 Frederic S.Miskin (1992), The Economics of Money, Banking, and Financial and Market, New York 23 The ICC Uniform Rules for Demand Guarantees 24 UCP 500, ICC’s Rules on Documentary Credits 25 UCP 600, ICC’s New Rules on Documentary Credits Websites 26 Website NHNN Viet Nam: Quyet dinh so 309/2002/QD-NHNN ve viec ban hanh Quy che toan dien tu lien ngan hang http://www.sbv.gov.vn/wps/portal/iut/pZc5/04_SB8K8xLLM9MSSzPv8xBz9CP0os 3hnd0cPE3MfAwN3r0BnA093r2ALEydDAwMLM lwkA7cKgxMIfIGOICigb6fR 35uqn5Bdnaao6OiIgCws9R4/dl3/d3/L3dDb0EvUU5RTGtBISEvWUZSdndBISEv N19DROFINDdMMDBPSEQ5MEk4SktMVDFQMOYvMO!!/ 27 Website Ngan hang TMCP Dai Duong: http://www.OceanBank.vn/Ngan-Hang-Ca-Nhan/Thanh-Toan-Quoc-Te/Index.html http://www.OceanBank.vn/Ngan-Hang-Doanh-Nghiep/Thanh-Toan-Quoc-Te/Index.html 28 Cong thong tin dien tu Chinh phu: Luat cac to chuc tin dung http://vanban.chinhphu.vn/portal/page/portal/chinhphu/hethongvanban7class id=l& mode=detail&document id=96074 29 Ngan hang the gidi: http://siteresources.woridbank.or2/EXTAML/Resources/ArKlreassen-RemittanceServiceProviders
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