I. Tong quan ve Ngan hang Dau tu va Phat trien Viet Nam:
3.4Phdng Thanh toan quoc te:
d. Thue hien cdng tac khach hang nhu nghien ciru thi trudng, nam bat, phat hien nhu ciu vl tin dung, djch vu cua ngan hang de tham muu cho ban GD ddng tbdi tham gia
3.4Phdng Thanh toan quoc te:
Phdng Thanh toan qudc tl cd cbiirc nang tham muu cho Giam doc vl nghiep vu thanh toan qudc tl va boat ddng kinh doanh ddi ngoai theo budng din, chi dao ciia Ngan hang Diu tu va Phat triln Viet Nam
Tren co sd cac ban muc, khoan vay, bao lanh da dugc phe duyet, true tilp thuc hien cac tac nghiep trong hoat ddng thanh toan quoc tl, tai trg thuong mai phuc vu cac
giao dich thanh toan xuit nhap khau cho khach hang cd nhu cau... tuyet ddi an toan theo quy dinh bien hanh eiia Ngan hang Nha nude Viet nam, ciia Ngan hang Dau tu & Phat trien Viet nam va dung tbdng le qudc te, bao gdm:
• Md va thanb toan hang nhap khau bang hinh thirc thu tin dung (L/C)
• Thanh toan bd cbung tir hang xuit khau theo hinh thirc thirc tin dung (L/C)
• Thanh toan hang xuat khau bang hinh thuc nbd thu tron (see, hdi phieu...); nbd thu kem chumg tir.
• Thanb toan bang nhap khau bing hinh thuc nbd thu tron (sec, hdi phieu...); nbd thu kem chirng tir.
• Chilt khiu bd chirng tir hang xuit.
• Chuyen nbugng Thu tin dung hang xuat.
• Thdng bao Thu tin dung hang xuit hoac thdng bao Thu bao lanh do Ngan hang nude ngoai phat hanh.
• Thay mat khach hang ddi tiln boi thudng theo bao lanh ciia Ngan bang nude ngoai
• Thanh toan bing hinh thirc Tiln - chung tir hang xuit (Cash Against Documents CAD), hang ddi hang.
• Va cac nghiep vu thanb toan quoc tl va tai trg thuong mai khac.
• Ho trg phdng Dich vu khach hang trong chuyin - nhan tien kieu hoi, thanb toan chuyin tiln di-din vdi nude ngoai bing dien, bing thu theo chi dao cua Giam ddc
+ True tiep bach toan ndi bang, ngoai bang cac giao dich nghiep vu thanh toan quoc tl va tai trg thuang mai.
+ Thuc hien tu vin cbo khach hang cd nhu ciu trong boat ddng thanh toan qudc tl va tai trg thuong mai.
+ La dau mdi tai Chi nhanh trong quan he vdi cac ngan hang dai ly nude ngoai, eac ben ddi tac nude ngoai cd lien quan din cae giao djch thanh toan qudc tl va tai trg thuong mai. Thu thap va tong hgp thdng tin, phan tich danh gia ve thj trudng nude ngoai, cac ngan bang dai ly, cung cap dich vu thdng tin ddi ngoai dl tham muu cho Ban giam ddc va cung cap cho eac phdng, don vi cd lien quan.
+ Tham gia xay dung ke hoach kinh doanh chung cua Chi nhanh va true tilp xay dung, tbuc hien ke hoach kinh doanh trong ITnh vuc thanh toan qudc tl va tai trg thuang mai eua Phdng. Phdi hgp vdi eac phdng chirc nang nghien cuu, de xuat phuong hudng, giai phap md rdng khach hang va thi phan ve thanb toan qudc tl, tai trg thuang mai cua Chi nhanh.
+ To cbiirc tbuc hien cdng tac khach hang thudng xuyen: phuc vu va khai thac tilm nang cua khach hang truyin thdng, tim kilm, md rdng khach hang mdi trong ITnh vuc thanb toan qudc tl va tai trg thuong mai. Thuc hien cdng tac tiep tbj cac san phim djch vu thanh toan qudc tl, kinh doanh ddi ngoai cua ngan hang ddi vdi khach hang.
-t- Thudng xuyen cai tiln phuong phap lam viec, dao tao ren Iuyen can bd vl phong each giao djcb van minh, lich sir, nang cao ky nang nghiep vu dl nang cao chit lugng phuc vu khach hang dap irng yeu ciu phat triln va giu* tin nhiem, tao hinh anh, in tugng tdt dep vl Ngan hang Diu tu va Phat triln Viet Nam; nghien curu dl xuit nang cao irng dung cdng ngbe thdng tin vao nghiep vu va quan ly cua phdng. Thudng xuyen tu kilm tra qua trinh thuc hien nghiep vu dugc phan cdng.
+ Thudng xuyen, djnb ky hoac dot xuit bao cao tinh binb cdng tac cd lien quan den chirc nang, nhiem vu cua Phdng.
+ Thue hien cac nhiem vu khac do Giam ddc Chi nhanh giao.
3.5 Phdng Dich vu khach hang 1, 2:
+ De xuat tham muu, giup viec Giam doe xay dung ke hoach, chuong trinh cdng tac, bien phap, giai phap trien khai nhiem vu thudc pham vi cua Phdng, cac van ban hudng dan thudc ITnh vuc nghiep vu dugc giao.
+ Tham muu cbo Giam ddc cac bien phap dam bao an toan trong boat ddng dich vu khach hang.
+ De xuat, tham muu vdi Giam ddc Cbi nhanh ve chinh sach phat trien san pham djch vu ngan hang mdi, cai tien quy trinh giao dich, phuc vu khach hang
+ Xay dung ke hoach va td chuc trien khai ke hoach kinh doanh thang, quy, nam thudc pham vi phdng minh phu trach.
+ True tiep thue hien nhiem vu giao djcb vdi khach hang la td chirc va ca nhan (tir khau tilp xiic, tiep nhan yeu ciu sur dung dich vu Ngan hang eua khach hang, hudng dan thu tuc giao dich, md tai khoan, giri tien, rut tiln, thanb toan, chuyin tien...); tiep thj gidi thieu san phim dich vu Ngan hang; tiep nhan cac y kien phan hdi eua khach hang la td chuc ve nghiep vu lien quan, nlu cd vudng mic de xuit lanh dao Cbi nhanh
bien phap xir ly, tilp thu, dk xuit hudng dan cai tiln dk khdng ngimg dap ung sir bai
Idng cua khach hang.
+ True tiep thuc hien, xir ly, tac nghiep va bach toan kl toan eac giao dich vdi khach bang la td chirc (vl md tai khoan tiln gui, nit tiln, chuyin tien, thanh toan, ngan quy, cac giao djcb mua ngoai te giao ngay...) va cac dich vu khac. (adsbygoogle = window.adsbygoogle || []).push({});
+ Thue hien giai ngan vdn vay cho khach hang la to chii-c va cd nhan tren co sd hd so giai ngan da dugc duyet. Thuc hien thu ng, thu lai tiln vay ddi vdi khach bang la td chuc tren co sd cd su phoi hgp chat che vdi Phdng Tin dung.
+ Chju trach nhiem hoan toan vl tinh chinh xac, diing din ciia cac giao dich, dam bao an toan tien vdn, tai san eiia Ngan hang va khach hang; thuc hien dung quy trinh nghiep vu, dung thim quyln va thuc hien diy du cac bien phap kilm soat ndi bd trudc khi boan tit mot giao dich vdi khach hang.
+ Thuc bien viec quan ly thdng tin (luu trii*, bao mat va cung cip) thudc nhiem vu ciia phdng va lap cac bao cao nghiep vu theo quy dinh.
+ Thuc hien diing chuc trach phoi hgp vdi cac phdng khac theo qui trinh nghiep
vu.
+ Thudng xuyen cai tiln phuong phap lam viec, dao tao ren Iuyen can bd vl
phong each giao dich van minh, lich sir, nang cao ky nang nghiep vu dk nang cao chit
lugng phuc vu khach hang dap irng yeu cau phat triln va giit tin nhiem, tao hinh anh, an tugng tdt dep ve Ngan hang Dau tu va Phat trien Viet Nam; nghien cuu de xuit nang cao iimg dung cdng nghe thdng tin vao nghiep vu va quan ly cua phdng, Thudng xuyen tu kilm tra qua trinh thuc hien nghiep vu dugc phan cdng.
+ Thudng xuyen, djnh ky hoac dot xuat bao cao tinh hinh cdng tac cd lien quan din chirc nang, nhiem vu ciia Phdng.
+ Thuc hien cac nhiem vu khac dugc Giam doe Chi nhanh giao.