Phát triển đại lý trong thanh toán quốc tế của ngân hàng thương mại cổ phần ngoại thương việt nam

I ' \ TRVCJNG DAI HOC KINH t£ QU(5c DAN -DA/ HOC KTQD TT THONG TIN THUVIEN PHONGLUAN AN-TV LIEU | NGO THI THU HIEN PHAT TRIEN DAI LY TRONG THANH TOAN QUOC TE CUA NGAN HANG THinjNG MAI CO PHAN NGOAITHWJNG VIET NAM CHUYEN NGANH: KINH TE THE GIOI VA QUAN HE KINH TE QUOC TE (KINH TE DOI NGOAI) LUAN VAN THAC SY KINH TE • • 77/5 6550 NGUOI HUOTMG DAN KHOA HOC: PGS TS NGUYEN THL ONG LANG HA NOI - 2011 fe (f L()’I CAM DOAN Toi xin cam doan luan van "Ph at trien dai ly toan quoc te cua Ngan hang Thwang mai Cd phan Ngoai thwang Viet Nam'” la ket qua cua qua trinh hoc tap, nghien cuu khoa hoc doc lap, nghiem tuc Cac so lieu luan van co nguon goc ro rang, dang tin cay va duoc xu ly khach quan, trung thuc Cac giai phap neu luan van duoc rut tu nhung co so ly luan va qua trinh nghien cuu thuc tien Ha Noi, thang nam 2011 Hoc vien Ngo Thi Thu Hien L()’I CAM 0N De hoan ban luan van nay, em xin chan cam om su huong dan tan tinh cua PGS.TS Nguyen Thuong Lang suot qua trinh viet va hoan luan van Em xin bay to ldng biet on toi cac thay co giao Hoi dong Khoa hoc Truong Dai hoc Kinh te Quoc dan, Khoa Thuong mai va Kinh te Quoc te, Vien dao tao Sau dai hoc, Truong Dai hoc Kinh te Quoc dan da tao dieu kien va giup em hoan luan van Ha Noi, thang nam 2011 Hoc vien Ngo Thi Thu Hien MUC LUC • • DANH MUC CAC TU VIET TAT DANH MUC CAC HINH VE DANH MUC BANG TOM TAT LUAN VAN MdDAU 1 Tinh tat yeu cua de tai Muc tieu nghien curu Doi tuong va pham vi nghien cuu Phuong phap nghien cuu Cac nghien cuu lien quan Ket cau cua de tai CHUONG 1: LY LUAN VE DAI LY TRONG THANH TOAN QUOC TE CUA CAC NGAN HANG THUONG MAI • VA KINH NGHIEM • .4 1.1 > •> r •> r r Dac diem va su* can thiet phat trien dai ly toan quoc te cua cac ngan hang thuong mai 1.1.1 Khai niem dai ly 1.1.2 Phan loai dai ly ' 1.1.3 Dac diem cua dai ly 1.1.4 Su can thiet phat trien dai ly toan quoc te cua cac ngan hang thuong mai 1.2 •> r r Can cu phat trien dai ly toan quoc te cua cac ngan hang thuong mai 11 1.2.1 Can cu phat trien dai ly toan quoc te cua cac ngan hang thuong mai 11 1.2.2 Yeu cau de tro dai ly toan quoc te cua mot ngan hang thuong mai 13 1.3 Phuong huong va dich vu cua dai ly toan quoc te cua cac ngan hang th iron g mai 15 1.3.1 Phuong huong phat trien dai ly toan quoc te 15 1.3.2 Dich vu chu yeu cua cac dai ly toan quoc te 16 1.4 Kinh nghiem cua mot so ngan hang nirffc ngoai va bai hoc doi vol cac ngan hang thirong mai Viet Nam 17 1.4.1 Kinh nghiem cua mot so ngan hang Trung Quoc 17 1.4.2 Kinh nghiem cua ngan hang JPmorgan Chase Bank, New York 19 1.4.3 Bai hoc doi voi cac ngan hang thuong mai Viet Nam 21 CHUONG 2: THUC TRANG PHAT TRIEN DAI LY TRONG THANH TOAN QUOC TE CUA NGAN HANG THUONG MAI CO PHAN NGOAI THUONG VIET NAM 23 2.1 Tinh hinh hoat dong kinh doanh va cac nghiep vu toan quoc te cua Vietcombank 23 2.1.1 Khai quat ve Vietcombank 23 2.1.2 Tinh hinh hoat dong cua Vietcombank giai doan 2006 - 2010 25 2.1.3 Mot so dich vu chu yeu dupe thuc hien tai cac dai ly 30 2.1.4 Mot so thda thuan dune ky ket giua cac dai ly thanhtoan quoc te 38 2.2 Tinh hinh phat trien dai ly toan quoc te cua Vietcombank 40 2.2.1 Can cu lira chon dai ly toan quoc te cua Vietcombank 40 2.2.2 Quy trinh thiet lap quan he dai ly tai Vietcombank 42 2.2.3 Tinh hinh phat trien so luong dai ly cua Vietcombank 46 2.2.4 Tinh hinh phat trien dai ly cua Vietcombank theo chieu sau 48 2.2.5 Thuc trang cong tac phat trien dai ly cua Vietcombank 53 2.2.6 Mang luoi dai ly cua Vietcombank 56 2.3 Danh gia tinh hinh phat trien dai ly toan quoc te tai Vietcombank 57 2.3.1 Nhtrng ket qua dat duqc 57 2.3.2 Nhtmg han che viecphat trien dai ly 59 CHUONG 3: PHUONG HU'O’NG VA GIAI PHAP PHAT TRIEN DAI LY TRONG THANH TOAN QUOC TE CUA VIETCOMBANK 63 3.1 Muc tieu va phuong huoig phat trien dai ly toan quoc te cua Vie't^^i^lb^nlc 63 3.1.1 Nhung thuan loi doi voi Vietcombank 63 3.1.2 Nhung kho khan doi voi Vietcombank 69 3.1.3 Muc tieu phat trien cua Vietcombank .70 3.1.4 Phuong huong phat trien dai ly toan quoc te cua Vietcombank 71 3.2 Giai phap phat trien dai ly toan quoc te cua Vietcombank 74 3.2.1 Hoan thien mo hinh to chuc va cung co phat trien mang luoi ngan hang dai ly 75 3.2.2 Thanh lap mot so chi nhanh chuyen phuc vu cac dinh che tai chinh nuoc va ngoai nuoc 75 3.2.3 Hoan thien Quy trinh quan he dai ly 76 3.2.4 Thanh lap chi nhanh, van phong dai dien o mot so nuoc co hoat dong toan quoc te nhieu voi Viet Nam 76 3.2.5 Ky ket cac thoa thuan song phuong, da phuong voi cac ngan hang dai ly 79 3.2.6 Quan ly von tap trung tai cac ngan hang dai ly 79 3.2.7 Tiep tuc doi moi cong nghe thong tin .80 3.2.8 Xay dung nguon luc nguoi phuc vu cong tac phat trien dai ly 80 3.2.9 Tang cuong quang ba hinh anh thuong hieu Vietcombank 81 3.3 Mot so kien nghi 82 3.3.1 Kien nghi voi nha nude 82 3.3.2 Kien nghi voi Ngan hang nha nuoc 83 3.3.3 Kien nghi voi cac doanh nghiep xuat nhap khau 84 KET LUAN 85 TAI LIEU THAM KHAO 87 PHU LUC DANH MUC CAC TU- VIET TAT Tieng Viet Chir viet tat Nghia day du BLDU* Bao lanh doi ung HSC Hoi sd chinh NHHT Ngan hang hoan tra NHNN Ngan hang Nha nude NHPH Ngan hang phat hanh NHTM Ngan hang thuong mai QHNHDL Quan he ngan hang dai ly SGD Sd Giao dich TCTD To chuc tin dung ■> X Thuong mai co phan TMCP Tieng Anh Chir viet tat Nghia day du Tieng Anh Tieng Viet ATM Automated Teller Machine Diem phuc vu giao dich tu dong BIC Bank Identification Code Ma nhan dien ngan hang BROKER Dai ly Internet Dich vu ngan hang qua mang Banking Internet L/C Letter of Credit Thu tin dung RMA Relationship Management He thong quan ly quan he dai ly Application SWIFT Society for Worldwide Interbank He thong vien thong tai chi'nh lien Financial Telecommunication Vietcombank ngan hang toan cau Joint Stock Comercial Bank for Ngan hang Thuong mai co phan Foreign Trade of Vietnam Ngoai thuong Viet Nam 76 3.2.3 Hoan thien Quy trinh quan he dai ly Tien hanh hoan thien quy trinh quan he dai ly dam bao sat thuc te va nhanh gon hon Ban lanh dao Ngan hang TMCP Ngoai thuong giao cho phong Cac Ngan hang dai ly nghien cuu va xay dung qui trinh ngan hang dai ly Qui trinh can dua bieu phi va each tinh phi cung nhu nhung uu dai danh cho khach hang la cac dinh che tai chinh Tuy nhien, co nhieu van de phuc tap lien quan den nhieu nghiep vu nen Phdng chua hoan thien duoc mot each chi tiet qui trinh ngan hang dai ly 3.2.4 Thanh lap chi nhanh, van phong dai dien & mot so nudc co hoat dong toan quoc te nhieu voi Viet Nam Viet Nam co quan he toan quoc te vdi rat nhieu nudc tren the gidi nhu My, Trung Quoc Nhat Ban Due Viec md rong dai ly gop phan thuc day hoat dong chuyen tien quoc te tang thi phan xuat nhap khau cua Viet Nam Md rong vice phat trien dai ly sang thi trudng Trung Quoc bao gom ca viec Vietcombank md chi nhanh tai Trung Quoc va xuc tien viec toan quoc te (cac giao dich thu tin dung, chuyen tien quoc te) bang dong nhan dan te (RMB) vdi Trung Quoc Can can thuong mai giua Viet Nam va Trung Quoc tang manh nhung nam gan day.Viet Nam la nudc nhap khau ldn nhat tu thi trudng nay, vdi cac mat hang may moc, thiet bi phu tung gia dung, quan ao vdi kim ngach nhap khau cua ca nudc nam 2010 dat gan 21 ty USD, xuat khau dat gan 10 ty USD Ben canh thi phan xuat khau cua Vietcombank vdi Trung Quoc la 8.55%, thi phan nhap khau la 6.44% Chinh vi hoat dong toan nhap khau vdi thi trudng rat ldn nen de tranh tinh trang khan hiem ngoai te Do la My nhu hien nay, va khac phuc tinh trang dola hoa ma Dang va nha nudc ta dang tim each thao go viec Vietcombank md chi nhanh tai Trung Quoc va cho phep tat ca cac chinh nhanh dupe toan chuyen tien di sang Trung Quoc bang dong Nhan dan te la mot giai phap rat huu hieu Xuc tien viec toan quoc te ( bao gom giao dich thu tin 77 dung va chuyen tien qudc te bang dong Nhan dan te (RMB) voi Trung Qudc Hien tai, viec toan sang thi truong Trung Qudc bang dong Nhan dan te chi duqc thuc hien thdng qua hinh thuc toan bien mau qua chi nhanh Mong Cai Hien Vietcombank Mong Cai duoc Vietcombank cho phep true tiep toan bien mau bang dong ban te vdi cac ngan hang Trung Qudc Day la dich vu chuyen tien toan duoc thuc hien rat nhanh chong, an toan va tien lqi cho cac doanh nghiep hai nudc Viet -Trung, dong thdi mang lai khoan thu phi dich vu ldn Theo qui trinh hien nay, Vietcombank dang ap dung, cac chi nhanh ngan hang Vietcombank tiep nhan lenh chuyen tien va ho so chuyen tien cua khach hang, sau dd se lien he vdi chi nhanh Mong Cai dd xac dinh ty gia mua Nhan dan te Sau chi nhanh thdng nhat ty gia vdi khach hang, chi nhanh Fax lenh chuyen tien cua khach hang dong thdi dien MT 199 xac nhan ho so chuyen tien day du, hop le, thdng bao dia chi lien he cua khach hang cho chi nhanh Mong Cai va yeu cau chuyen tien theo lenh cua khach hang Chi nhanh Mong Cai se lap hop dong mua ban RMB giua chi nhanh Mong Cai va khach hang gui cho khach hang qua dudng Fax va Email Chi nhanh Mong Cai can cu vao lenh chuyen tien va hop dong mua ban RMB, thuc hien trich no tai khoan khach hang de hach toan ban RMB, chuyen RMB cho ngubi hudng va thu phi chuyen tien theo qui dinh hien hanh va cac thda thuan toan bien mau da ky vdi ngan hang Trung Qudc Vietcombank can md them chi nhanh tai Frankfurt vi day la trung tarn tai chinh cua chau Au va Due Chi nhanh cua Vietcombank thuc hien day du chuc nang cua mot ngan hang qudc te de chung to ngan hang dap ung duqc chuan muc qudc te Tiep den la vdi hon 150 ngan kieu bao tai Due, day la thi trudng rat tot Ngubi Viet Nam da co ngan hang tu que huong de lam noi giao dich, chuyen tien, vay von kinh doanh Hon nua mb chi nhanh tai chau Au, Vietcombank se tiep can duqc nhieu nha dau tu nudc ngoai, co dieu kien cai thien co cau cho vay hien 78 Khi mang ludi duoc md rong, cac ngan hang cua Viet Nam d nudc ngoai cd the tu van cho cac doanh nghiep d nudc ngoai ve thue, phap luat, thu tuc xuat nhap khau, cac dich vu toan quoc te, bao lanh, chuyen tien nudc ngoai de tang them kha nang thu hut vdn dau tu nudc ngoai vao Viet Nam Quan he dai ly vdi cac ngan hang tai cac thi trudng kho tinh va rui ro nhu Cuba, Bangladesh, Pakistan., Hungari, Jordan Thuc hien chinh sach cua Dang va Nha nudc, Vietcombank luon uu tien va chu hoat dong toan xuat khau, nham thu duoc khoan ngoai te ldn dap ung nhu cau nhap khau cho cac doanh nghiep.Cac doanh nghiep xuat khau cua Viet Nam dang gap phai su canh tranh khoc liet viec xuat khau hang hoa tu thi trudng Trung Quoc, An Do, Thai lan ve gia ca va chat luong san pham Do do, cac doanh nghiep Viet Nam dang tim each xuat khau sang cac thi trudng kho tinh va nhieu rui ro nhu Cuba, Pakistan, Bangladesh de cai thien can can toan xuat nhap khau Day la nhung thi trudng dac biet, va rui ro cao vi su bat on ve kinh te chinh tri cua cac nudc nay, xuat khau sang cac nudc doi hoi rat nhieu giay td phuc tap nhu Hoa don phai duoc ky bdi ngudi ban va Cue Lanh su cua nudc sd tai d nudc ngoai, hoac phai cd bao cao tai chinh ve tinh hinh hoat dong cua doanh nghiep xuat khau, giay chung nhan xuat xu phai cd xac nhan cua Cue lanh su hoac Dai su quan Cac thi trudng cd nhu cau nhap khau ldn mot so mat hang cua Viet Nam nhu che, ca phe, san lat, ho tieu, cac thiet bi han Tuy nhien thuc te cho thay, cac doanh nghiep cua Viet Nam xuat khau sang cac nudc thi viec doi tien rat kho khan va cham tre vi ho thudng hoat dong theo each rieng cua minh ma khong tuan thu thdng le va tap quan quoc te Do do, Vietcombank can md van phong dai dien tai day de ho tro cac Phong nghiep vu viec tim hieu thi trudng, cung cap nhung thdng tin can thiet ve cac ngan hang ma dang cd quan he vdi minh, tra soat cac khoan tien den han toan, nguyen nhan gay toan cham tre de cac phong nghiep vu co the an tarn va tu van cho khach hang, tranh nhung rui ro va thiet hai cd the xay Vi vay, Vietcombank nen md van phong dai dien tai cac nudc de tim hieu thi trudng, nang cao chat luong toan quoc te va tu van cho doanh nghiep 79 xuat khau lap ky ket hap dong dam bao quyen lgi cua minh,ho trg cho hoat dong toan quoc te 3.2.5 Ky ket cac thoa thuan songphuong, daphicang vdi cac ngan hang dai ly Theo thong le quoc te giao dich thu tin dung chung tir, cac ngan hang co lam viec de kiem tra chung tir, de quyet dinh xem chung tir co vai dieu kien va dieu khoan cua thu tin dung, neu chung tir phii hgp ngan hang se phai toan theo yeu cau cua L/C Tuy nhien, de Vietcombank tiep tuc gifr vung thi phan toan quoc te, thu hut dugc nhieu khach hang hoat dong toan quoc te, tac gia mong muon Phdng chuc nang cua Vietcombank se nghien cuu, dam phan de ky dugc thda thuan vdi ngan hang dai ly cua minh viec se dam bao toan nhanh han lam viec neu chung tir cua Vietcombank xuat trinh phii hgp Dieu rat co lgi cho cac doanh nghiep xuat khau cua Viet Nam viec dap ung cac nhu cau ve von de thu mua hang xuat khau Thay vi cac doanh nghiep xuat khau Viet Nam dgi sau lam viec mdi nhan dugc tien thi ky Thoa thuan nay, cac doanh nghiep cd the nhan dugc tien vong lam viec ke tir xuat trinh chung tir phii hgp tdi Vietcombank 3.2.6 Quan ly von tap trung tai cac ngan hang dai ly Trudc day, Vietcombank md rat nhieu tai khoan tai cac ngan hang khac gay rat nhieu kho khan viec quan ly ngudn ngoai te d nude ngoai Thang va thang vua qua, Vietcombank da dan ddng cac tai khoan ngoai te la USD d cac thi trudng Nhat, Singapore, chi tap trung vao thi trudng My, cu the la Vietcombank da ddng tai khoan USD tai Ngan hang Sumito Mitsui Banking Corp, Japan va Ngan hang United Oversea Bank, Singapore, ddng tai khoan EUR tai Ngan hang IngBank, Bi, Intesa Sanpaolo SPA, Millan Vietcombank dang xem xet lap Phdng thdng tin thi trudng chiu trach nhiem nghien cuu, tim hieu nhung bien dong hang xay tren the gidi lien quan den hoat dong ngan hang, thudng xuyen cap nhat nhung vu lua dao, manh khoe cua cac ddi tugng lua dao de cac chi nhanh tham khao, rut kinh nghiem.Co he 80 canh bao thi truong: doi voi cac thi trudng co nhieu bien dong ve tinh hinh kinh te chinh tri 3.2.7 Tiep tuc doi mdi cong nghe thdng tin Cong tac cong nghe thong tin ngan hang dong gop vai trd quan doi vdi nhung tuu ma Vietcombank dat duoc thdi gian qua, phan nao dap ung duoc cac yeu cau ve quan tri dieu hanh, bat kip xu the phat trien dich vu ngan hang noi rieng va xa hoi noi chung, xay dung va ban hanh mot so qui trinh, qui che dam bao dap ung yeu cau cua co quan quan ly va hoat dong cdng nghe thong tin bao mat, an toan phuc vu cac hoat dong kinh doanh cua ngan hang Tuy nhien, Cong nghe thong tin chua dap ung mot so van de nhu chua tinh duoc chi phi tung san pham, dich vu dong gop vao ket qua chung, chua cung cap cac so lieu bao cao quan tri ho tro quyet dinh, do Vietcombank can tap trung vao cdng tac quan tri ngan hang, doi mdi cong nghe 3.2.8 Xay dung ngudn lire ngirdiphuc vu cdng tacphat trien dai ly Phat trien nguon nhan luc tren cu sd phat trien he thdng dao tao noi bo nham nang cao nang lire chuyen mon cho doi ngu can bo he thdng Thuc hien danh gia, qui hoach bo nhiem theo dung nang lire va trinh cua can bo Vietcombank luon xac dinh ngudi la mot cac ngudn lire quan hang dau quyet dinh su cdng cua doanh nghiep.Trong nhung nam qua, cung vdi viec md rong mang ludi thi ngudn nhan luc cung gia tang dang ke ca ve sd luong lan chat luong Vietcombank da tao dieu kien thuan lgi va khuyen khich nhan vien hoc tap tai nudc ngoai de tich luy kinh nghiem, nang cao trinh chuyen mon nghiep vu Doi vdi hoat dong phat trien dai ly, de cd duuc mot doi ngu can bo gidi thi can d ho sir tich cue viec nghien cuu, hoc hoi, trau doi ve phap luat, thdng le qudc te , gidi ngoai ngu, thuc hien cdng viec nhanh chong, cd ky nang giao tiep, umg xu Vi vay, ngan hang can xay dung mot chien luge ngudi rd rang va nang dong dap ung duoc nhung doi hoi cua thi trudng Cu the la: • Thudng xuyen to chuc cac ldp tap huan, cac dut sat hach kiem tra kien thuc 81 ■> tv nghiep vu, to chuc cac budi toa dam, hoi thao giua cac chi nhanh de trao doi kinh nghiem thuc tien • Co che khuyen khich can bo nhan vien hoc nhieu ngoai ngu nhu tieng Anh, tieng Phap, tieng Trung To chuc thi ngoai ngu de cu nhung can bo co trinh gioi nuac ngoai hoc tap • Tao dieu kien cho can bo dugc nude ngoai tham quan, tim hieu ngan hang ban, tim hieu thi truang de co dinh hudng phat trien dai ly 3.2.9 Tang cudng quang ba hinh anh thuong hieu Vietcombank Nha nude, Bo chu quan da xay dung nhieu tieu chi da dang va phong phu de ton vinh cac ddng gop cua cac doanh nghiep tung linh vuc cu the, ma khong gi khac han la thdng qua cac giai thudng de ton vinh thuong hieu cua doanh nghiep, ton vinh gia tri cua doanh nghiep; cung la mot each de quang ba thuong hieu bien giai doan hien Tuy nhien, doanh nghiep phai lam gi de gia tri cua cac giai thudng khong dung lai d pham vi hep va thdi gian ngan nhu d cac budi le trao giai thudng, d mot bai viet dugc dang tren bao chi ma nd phai cd su lan toa sau rong cdng chung - nhung chu the don nhan gia tri dich thuc cua thuong hieu ay qua cac giai thudng - vdi pham vi rong ldn han va thdi gian lau dai han Tai Vietcombank, cd the noi vdi nhung ddng gop va tich to ldn linh vuc tai chinh ngan hang, Vietcombank da va dang sd huu nhieu giai thudng cd uy tin cac To chuc nude va quoc te trao tang, cd the ke day mot vai giai thudng ma Vietcombank da dat dugc thdi gian qua nhu: Ngan hang nude tot nhat ve tai trg thuong mai nam lien 2009, 2010, 2011; Ngan hang cd dich vu ngan hang dien tu tot nhat nam 2010; Topten thuong hieu manh Viet Nam 2011; Thuong hieu quoc gia ddi vdi the Vietcombank Connect24 nam lien nhien x r r r dieu tran trd nhat la lam de cac giai thudng dugc biet den mot each rong rai, khong chi noi bo CBCNV Vietcombank de tu hao vdi nhung gi chung ta dang cd, de phan hon cdng viec ma quan han la lam cho cac khach 82 hang va doi tac khac cua Vietcombank biet den cac gia tri cua cac giai thuong de ho co niem tin manh liet hon vao Vietcombank Do Phdng dau moi Hoi So Chinh Vietcombank can cap nhat thuong xuyen va day du cac giai thuong cua Vietcombank qua tung nam de thong tin kip thdi cho toa he thdng biet va ca cac ngan hang nuoc va quoc te khac Dong thdi thdng qua cac hoi nghi hoi thao Vietcombank nen danh mot thdi gian nhat dinh de truyen thdng va quan ba thuong hieu cua Vietcombank vi day la co hoi tot de khach hang va doi tac cung nhin nhan 3.3 Mot so kien nghi 3.3.1 Kien nghi voi nha nudc Thanh toan quoc te la mot nhung nghiep vu kinh doanh ngan hang cang phat trien va phuc tap vi hoat dong lien quan den rat nhieu ben tham gia gom nha nhap khau, nha xuat khau, cac ngan hang phuc vu nha xuat khau/nhap khau, dong thdi chiu su dieu chinh bdi rat nhieu cac van ban phap luat nhu hop dong kinh te hop dong dan su, luat thuong mai, luat quoc te nhu Cac qui tac thdng nhat ve thu tin dung chung tu cua phdng thuong mai quoc te (UCP 600), Cac qui tac thdng nhat ve nhd thu (URC 522), luat quan ly ngoai hoi cua ngan hang nha nuoc Hoat dong cung tiem an rat nhieu rui ro nhu rui ro thi trudng, rui to ty gia, rui ro tac nghiep rui ro thi trudng rat kho kiem soat vi mdi mot nudc co phong tuc tap quan rieng, doi hoi phai tim hieu ky ve nudc doi tac Do do, vai tro cua cac dai ly toan quoc te la rat quan nen Nha nudc Viet Nam can chu phat trien dai ly toan quoc te gop phan kiem soat rui ro, nang cao hieu qua hoat dong kinh doanh cho cac ngan hang thuong mai Tac gia xin dua mot sd kien nghi sau: • Giu vung on dinh kinh te chinh tri, tao mdi trudng kinh doanh thuan loi cho cac doanh nghiep va cac td chuc tin dung Mdi trudng kinh te chinh tri on dinh la dieu kien rat quan trong qua trinh tang trudng va phat trien cua cac ngan hang thuong mai Mdi trudng on dinh thi cac ngan hang mdi hoat dong on dinh thu hut 83 dupc von, cong nghe, trinh quan ly tu cac ngan hang nudc ngoai • Hoan thien mdi trudng phap ly: Hoat dong phat trien dai ly cua cac NHTM nam mot mdi trudng phap ly Nha nudc quy dinh, chiu su tac dong cua he y r •> A thdng phap luat ve kinh doanh ngan hang Vi vay, mdi trudng phap ly on dinh, dong bo la dieu kien thuan lpi de cac NHTM hoat dong kinh doanh cd hieu qua theo dung quy dinh cua luat phap Nha nudc can cd chinh sach thdng thoang hon, cho phep cac ngan hang thuong mai phat trien dai ly nudc ngoai, tiep tuc soat, sua doi cac van ban phap luat giua cac Bo, Nganh lien quan cho thdng nhat, tranh bi chong cheo nhu Luat ve thue, hai quan vdi Luat ngan hang r 3.3.2 Kien nghi vdi Ngan hang nha nudc 3.3.2.1 Hoan thien van ban phap ly lien quan den hoat dong dai ly toan qudc te cua cac to chuc tin dung Hien tai, Ngan hang nha nudc ban hanh rat nhieu cac Nghi dinh, Thdng tu lien quan den cac dinh che tai chinh nudc de ho tro cho cac ngan hang thuong mai hoat dong cua minh Tuy nhien, hien cd mot sd Nghi dinh mdi da dupe ban hanh nhung van chua cd Thdng tu hudng dan gay lung tung cho cac ngan hang thuong mai viec xu ly ho so Ngan hang nha nudc can cd chinh sach khuyen khich cac to chuc tin dung md rong mang ludi, phat trien dai ly nudc ngoai de tiep can dupe cdng nghe hien dai, nang cao nang luc va trinh quan ly, hoc hoi them nhieu san pham dich vu mdi dap ung nhu cau cang cao cua cac doanh nghiep 3.3.2.2 Thu hai, ngan hang nha nude can tang cuong he thong tra, kiem tra giam sat hoat dong doi vdi viec phat trien dai ly cua cac ngan hang thuong mai Ngan hang nha nudc da chung to la ngudi dung dau viec xay dung va dieu hanh, quan ly giam sat hoat dong tien te tin dung, thuc hien tot chinh sach tien te qudc gia va hoat dong hieu qua Tuy nhien, ngan hang nha nudc can giam sat chat che hon nua doi vdi cac to chuc tin dung va an toan he thdng ngan hang dai ly de co bien phap ung kip thdi trudc nhung bien dong kinh te kho luong tu ben 84 ngoai xu the toan cau hoa Ngan hang nha nudc can dat hang thang, hang quy cu cac doan tra, kiem toan de giam sat hoat dong ngan hang dai ly vi day la doanh nghiep dac biet, can duoc quan ly mot each dac biet, tiep can vdi thdng le quoc te va cac yeu cau dam bao viec md rong chi nhanh nudc ngoai r r 3.3.3 Kien nghi vdi cac doanh nghiep xuat nhap khau Su cong cua cac doanh nghiep xuat nhap khau anh hudng ldn den su cong cua cac ngan hang thuong mai Cac doanh nghiep trudc ky ket hop dong can hieu ro luat phap, thdng le quoc te va tim hieu ky doi tac de dat duoc nhung thoa thuan cd loi Thuc te cho thay cac doanh nghiep ky hop dong mua ban vdi doi tac nudc ngoai khong hieu rd luat quoc te nen da ky ket nhung dieu khoan bat loi, tham chi khong the thuc hien dung hop dong dan den viec bi phat vi pham hop dong Dong thdi, doanh nghiep tich cue tham gia cac khoa hoc tap, dao tao Phdng Thuong mai va Cong nghiep Viet Nam td chuc de cap nhat nhung kien thuc mdi, Luat mdi Cac doanh nghiep bat buoc phai cd trinh ngoai ngu tot, dac biet la Tieng Anh de tu tin giao tiep vdi nudc ngoai Ngoai cac doanh nghiep nen co dinh hudng phat trien dai ly theo chieu sau va chieu rong de md rong he thdng toan 85 KET LUAN Chuang luan van da lam ro duac khai niem dac diem va tarn quan cua dai ly toan quoc te cua cac ngan hang thuong mai Cac dai ly cung ung nhieu san pham dich vu tien ich va phong phu cho cac ngan hang thuong mai giup cac ngan hang co co hoi khai thac va su dung hieu qua lgi the cua cac hoat dong ngan hang hien dai da chuc nang co the su dung von cong nghe kinh nghiem quan ly tu cac dai ly Nha cac dai ly, cac ngan hang thuong mai tiep can dugc thi truang tai chinh quoc te de dang han hieu qua tang len cac giao dich toan quoc te; dong thdi phat trien tot dai ly toan giup cac ngan hang phan ung nhanh nhay linh hoat han theo tin hieu thi trudng nude va quoc te nham tdi da hoa lgi nhuan va giam thieu rui ro Viec phat trien dai ly toan quoc te giup cac ngan hang md rong mang ludi hoat dong cua minh nham dap ung nhu cau cang cao va phuc tap cua cac doanh nghiep xuat nhap khau Chuang phan tich va danh gia thuc trang phat trien dai ly toan quoc te cua Vietcombank Vdi mang ludi chi nhanh phdng giao dich va dai ly rong khap nude va nude ngoai, Vietcombank da va dang khang dinh vi the vung chac cua minh linh vuc toan quoc te Co dugc vi tri vung chac la Vietcombank luon chu hoan thien qui trinh nghiep vu toan quoc te cung nhu qui trinh phat trien dai ly toan tai cac thi trudng diem nhu My, Nhat Ban, Trung Quoc, Chau Au, khong ngirng tham gia cac dien dan nude va quoc te de ky ket dugc nhung thda thuan dai ly ho trg tot han cho nghiep vu toan quoc te vdi cac dai ly nude ngoai Vietcombank cung chu phat trien cac san pham toan quoc te mdi phu hgp vdi nhu cau cua cac doanh nghiep xuat nhap khau cung nhu kha nang dap ung cua cac dai ly Ben canh nhung cdng, Vietcombank cung co nhirng han che nhat dinh viec phat trien dai ly cua minh nhu mang ludi dai ly chua phan bo rong khap he thdng CNTT nhieu bat cap chua phuc vu tot cdng tac du bao canh bao rui ro; chua cd bo phan chuyen trach phan tich danh gia hoat dong cua cac dai ly mot each chi tiet va cap nhat theo tirng thdi ky 86 Chuang luan van da dua phuong hudng, muc tieu va cac giai phap phat trien dai ly toan quoc te cua Vietcombank, chu den cac giai phap hoan thien qui trinh quan he dai ly; lap van phdng dai dien tai cac nudc cd hoat dong toan qudc te nhieu vdi Viet Nam; ky ket thda thuan song phuong vdi cac ngan hang co uy tin linh vuc toan qudc te; doi mdi he thdng CNTT nham nang cao hoat dong du bao va canh bao rui ro thi trudng; dao tao va nang cao chuyen mon ve toan qudc te cho doi ngu can bo nhan vien nham dap ung yeu cau cang cao cua thi trudng Luan van cung dua cac de xuat, kien nghi doi vdi Nha nudc, Ngan hang Nha nudc nham cung cd, hoan thien hanh lang phap ly cho hoat dong toan qudc te Ngoai ra, luan van cung dua cac kien nghi doi vdi cac doanh nghiep xuat nhap khau nham han che nhung rui ro cho doanh nghiep thuc hien cac nghiep vu toan qudc te qua he thdng ngan hang 87 TAI LIEU THAM KHAO Tieng Viet Ngan hang Dau tu va phat trien Viet Nam (BIDV), Ngan hang Nong nghiep va phat trien Viet Nam (Agribank),Bao cao thudng nien, 2008-2009 Ngan hang Nha nuoc Chi nhanh tinh Thai Binh- De an so 02 Phat trien mang ludi hoat dong ngan hang Thdi Binh giai doan 2010-2015 Ngan hang nha nuoc Viet Nam, nam 2011 Thdng tu sd 41/2011/TT-NHNN hudng dan nhan biet va cap nhat thdng tin khach hang tren cor sd rui ro phuc vu r \ cong tac phdng, chong rua tien Ngan hang nha nuoc, nam 2006, Nghi dinh 160/2006/ND-CP 28/12/2006 qui dinh chi tiet thi hanh phap lenh ngoai hoi Ngan hang nha nudc,nam 1999, Thdng tu 01/1999/TT-NHNN hudng dan thi hanh Nghi dinh 63/1998/ND-CP ve quan ly ngoai hoi ngan hang nha nudc ban hanh Ngan hang nha nudc, nam 2008, Quyet dinh so 13/2008/ND-NHNN ve mang ludi hoat dong cua ngan hang thuorng mai I Ngan hang thuong mai co phan Ngoai thuong Viet Nam, Bao cao thudng nien r r r va bao cao tong ket toan quoc te nam 2006-2010 Ngan hang thuong mai co phan Ngoai thuong Viet Nam, Quy trinh chuyen tien di nudc ngoai Ngan hang thuong mai co phan Ngoai thuong Viet Nam, Quy trinh toan xuat nhap khau theo hinh thuc tin dung chung tu va nhd thu chung tu he thdng Ngan hang Ngoai thucrng Viet Nam 10 Ngan hang thuong mai co phan Ngoai thuong Viet Nam, tap chi Ngan hang TMCP Ngoai thucrng Viet Nam cac sd nam 2010 va 2011 II Nghi dinh cua Chinh phu so 45/2000/ND-CP 06/9/2000 qui dinh ve van phdng dai dien, chi nhanh cua thuorng nhan nudc ngoai va cua doanh nghiep du 88 lich nuac ngoai tai Viet Nam 12 Nguyen Thi Kim Thanh (2007), Nang cao hoat dong cua cac ngan hang thuong mai dieu kien mai, Tap chi thi truang tien te, trang 21-24 13 Le Van Te (2003), nghiep vu tin dung toan quoc te, Nha xuat ban Ho Chi Minh 14 Nguyen Van Tien (2005), toan quoc te va tai tra ngoai thuong, Nha xuat ban thong ke Ha Noi 15 Dinh Xuan Trinh (1998), Giao trinh toan quoc te ngoai thuong, Nha xuat ban giao due Ha Noi, trang 1-30 Tieng Anh 16 17 18 David Cox (1997), Nghiep vu ngan hang hien dai, NXB Chinh tri quoc gia, Ha noi Global Corporation and Investment Bank, Inherent Risks and Trade Products, Citigoup Global Transaction Services, Cash Management Trade Services and Finanace Services, Daniel, Citigoup International Chamber of Commerce (1995), Uniform Rules for Bank-to-Bank reimbursement under Documentary Credits, Paris International Chamber of Commerce (1995), Uniform Rules for Collections, Paris International Chamber of Commerce (2007), Uniform Customs and Practices for Documentary Credits, Paris 22 JPmorgan Clearing product solutions- Vietnam training Program, Winnie Chen, Product sales specialist, treasury service 23 Standard Release 2009 24 Swift -Nhirng mau dien thudng gap, Vietcombank thang 1/1995 25 The management of correspondent banking- Union of Arab Bank PHAN PHU LUC PHU LUC 1: Vi du ve Danh muc BIC cua Ngan hang JPMorgan Chase Bank, New York cung cap cho cac ngan hang su dung dich vu cua minh JPMorganChase Payments Path Name |BANK OF CHINA HEAD OFFICE Address ( Acdreos 3: [ |noifuxingmenheidajie ' \ (• From Left' ’ C Contains Cfc Ibeuing State: | Courtly: | SWIFT ID IbucHCNBJ Authenticated CHIPS MERf (CHINA CFmeDDA ,0011165206 SoachReaAi ► Fed ABA iBank Name MPS HID | ,138679 Pay THough Bar* | |Chare DDA |Ciy 0011165X6 Reference lod Beijing |SWIFT ID BKCHCNBJ BANK OF CHINA BEUWG 7BKCHCNBJ110 BANK OF CHINA TIANJIN BKCHCNBJ 200 BANK OF CHINA TIANJIN BKCHCNBJ21A BANK OF CHINA SHIJIAZHUANG (HEBEI) :BKCHCNBJ220 BANK OF CHINA QINHUANGDAO BKCHCNBJ23A BANK OF CHINA TANGSHAN BKCHCNBJ23H BANK OF CHINA GUIYANG/GUIZHOU PROV BKCHCNBJ240 BANK OF CHINA YINCHUAN BANK OF CHINA XINING/QINGHAl PROV BKCHCNBJ280 BANK OF CHINA SHANGHAI BKCHCNBJ 300 BANK OF CHINA GUANGZHOU GUANGDONt BKCHCNBJ 400 BANK OF CHINA SHANTOU BANK OF CHINA CHAOZHOU ;BKCHCNBJ41P BANK OF CHINA GUANGZHOU BKCHCNBJ42A BANK OF CHINA GUANGZHOU BANK OF CHINA MAOMING BANK OF CHINA YANGJIANG BKCHCNBJ42W BANK OF CHINA ZHAOQING BKCHCNBJ43A BANK OF CHINA-ZHANJIANG ZHANJIANG BKCHCNBJ43P BANK OF CHINA FOSHAN BKCHOJBJ44A BANK OF CHINA SHUNDE BKCHCNBJ44B BANK OF CHINA SANSHUI BKCHCNBJ 44C BANK.a.F CHINA FOSHAN BKCHCNBJ44E iBKCHCNBJ260 BKCHCNBJ41A BKCHCNBJ42G 'BKCHCNBJ42P 101123 >9 Start Vt fil NO1DUNGLV fe QUI TRINH □ Ntrowft Office ’ EupgidLrt JFt-brganChasePay (Ngudn: Chuang trinh cua Ngan hang JPMorgan Chase Bank, New York) | L20W PHU LUC 2: Mau dien MT 103 l:F01BFTVVNVXAXXX.SQ SEQ }{2:I103CHASUS33XXXXN}{4: :20:0019542011001020 :23B:CRED :32A:110121USD23350, :50K:/00681370010164 NHAN DAN NEWSPAPER 71 HANG TRONG STREET HANOI, VIETNAM :57A:BKCHCNBJ :59:/0095 630 809 3014 PEOPLE S DAILY IN CHINA : 70 ENDOWMENT 1/2011 :71A:OUR :72:/FND//PREADV (Nguon: mau dien chuyen tien cua Vietcombank)