This document provides information about international payment methods, including bills of exchange, trade bills, promissory notes, checks, and cards. It focuses on bills of exchange, defining them, describing their key characteristics of abstraction, compulsory payment, and negotiability. The document outlines the forms of bills of exchange, contents, acceptance, endorsement, guarantees, protests, and discounting. It also provides brief information on promissory notes, including examples of on-demand and term promissory notes.

1. TRƯỜNG ĐẠI HỌC KINH TẾTHÀNH PHỐHỒCHÍ MINH
KHOA NGÂN HÀNG
279 Nguyễn Tri Phương, phường 05, Quận 10, TP. HồChí Minh.
Telephone: +84.8.8551776, +84.8.8530561 – Fascimile: +84.8.8551777
Email: bankingfaculty@ueh.edu.vn - Website: http://www.fob.ueh.edu.vn/
Baøi giaûng moân hoïc
THANH TOAÙN QUOÁC TEÁ
Người trình bày: PGS. TS. Trần Hoàng Ngân
ngankdtt@yahoo.com, ngannh@ueh.edu.vn,

2. Chöông hai:

3. PHÖÔNG TIEÄN
THANH TOAÙN QUOÁC TEÁ
• Thöông phieáu- Trade bill
• Hoái phieáu- Bill of exchange
• Leänh phieáu – Promissory notes
• Seùc- Cheque
• Theû- Card

4. I. HOÁI PHIEÁU: (Bill of exchange - Drafts)
• Luaät hoái phieáu Anh 1882 (Bill of Exchange Act
of 1882).
• Luaät thöông maïi thoáng nhaát cuûa Myõ naêm 1962
(Uniform Commercial Codes of 1962 UCC)
• Luaät thoáng nhaát veà hoái phieáu (Uniform law for
bills of exchange – ULB), ñöôïc kyù taïi Giô-ne-vô
(Geneve) naêm 1930.
• Uûy ban thöông maïi quoác teá cuûa Lieân hôïp quoác
kyø hoïp thöù 15 taïi New York – thoâng qua vaên
kieän A/CN 9/211 ngaøy 18/2/1982 veà hoái phieáu vaø
leänh phieáu quoác teá (International Bills of
Exchange and Promissory notes)

5. 1. Khaùi nieäm :
Hoái phieáu laø moät meänh leänh ñoøi tieàn voâ
ñieàu kieän do ngöôøi xuaát khaåu , ngöôøi baùn ,
ngöôøi cung öùng dòch vu,… kyù phaùt ñoøi tieàn
ngöôøi nhaäp khaåu, ngöôøi mua, ngöôøi nhaän
cung öùng dòch vuï vaø yeâu caàu ngöôøi naøy
phaûi traû moät soá tieàn nhaát ñònh, trong moät
thôøi gian xaùc ñònh cho ngöôøi höôûng lôïi quy
ñònh trong meänh leänh aáy .

6. No……… BILL OF EXCHANGE
----2004
For
At …………………. date sight of this FIRST Bill of
Exchange (Second of the same tenor and date being
unpaid) Pay to the order of
…………………………………………………………..
the sum of…………………………………………
……………………………………………………………………………………..
Value received as per our invoice (s) No(s)126EX05
…
Dated ………………………………………
Drawn under …………………………………
Confirmed / irrevocable / without recourse L/C No
……………………………
Dated / wired ……………………………………
To ………………………… Drawer
…………………………………

7. No……… BILL OF EXCHANGE
----2004
For
At …………………………… sight of this Second Bill of
Exchange (First of the same tenor and date being
unpaid) Pay to the order of
BANK FOR FOREIGN TRADE OF VIETNAM
the sum of…………………………………………
……………………………………………………………………………………..
Value received as per our invoice (s) No(s) …
Dated ………………………………………
Drawn under …………………………………
Confirmed / irrevocable / without recourse L/C No
……………………………
Dated / wired ……………………………………
To ………………………… Drawer
…………………………………

8. 2.Ñaëc ñieåm cuûa hoái phieáu :
• Coù 3 ñaëc ñieåm
 Tính tröøu töôïng cuûa hoái phieáu
 Tính baét buoäc traû tieàn hoái phieáu
 Tính löu thoâng cuûa hoái phieáu

9. 3.Hình thöùc cuûa hoái phieáu: trg 109
No……… BILL OF EXCHANGE
----2004
For
At …….. sight of this FIRST Bill of Exchange (Second of the
same tenor and date being unpaid) Pay to the order of
BANK FOR FOREIGN TRADE OF VIETNAM the sum
of…………………………………………
……………………………………………………………………………………..
Value received as per our invoice (s) No(s) ……………
Dated ………………………………………
Drawn under …………………………………
Confirmed / irrevocable / without recourse L/C
No ……………………………
Dated / wired …18/10/2005…………………………………
To B………………………… Drawer A
…………………………………

10. 4.Noäi dung cuûa hoái phieáu:
No……… BILL OF EXCHANGE
20/05/-2005
For………………….
At ……..sight of this Second Bill of Exchange (First of the
same tenor and date being unpaid) Pay to the order of
…………………………………………………….
the sum of…………………………………………
……………………………………………………………………………………..
Value received as per our invoice (s) No(s) ………
Dated 20 /05/2005…………………………………
Drawn under …………………………………
Confirmed / irrevocable / without recourse L/C
No so hieu lc
Dated / wired ……………………………………
To (L/C –NH mo L/C) Drawer
(Collection-NK) XK

11. Caùch vieát soá tieàn
+ USD 10,880.00
US Dollars ten thousand eight hundred and eighty
only.
+ USD 111,165.00
United states dollars One hundred eleven thousand
one hundred and sixty five only
+ USD 244,543.20
United states dollars Two hundred forty four
thousand five hundred forty three and cents
twenty only
+ USD 8,092,542.55
United states dollars eight million ninety two
thousand five hundred forty two and cents fifty
five only.

12. Traû tieàn sau thì coù nhieàu caùch thoûa thuaän:
• Neáu phaûi traû tieàn sau bao nhieâu ngaøy nhaän
hoái phieáu thì seõ ghi laø “X ngaøy sau khi nhìn
thaáy …” (At 90 days after sight …)
Neáu phaûi traû tieàn sau bao nhieâu ngaøy khi
giao haøng thì seõ ghi laø “X ngaøy sau khi kyù
vaän ñôn …” (At … days after bill of lading
date).
Neáu phaûi traû sau bao nhieâu ngaøy kyù phaùt hoái
phieáu, thì ghi “X ngaøy keå töø ngaøy kyù phaùt hoái
phieáu” (At 90 days after bill of exchange
date)

13. 5.Chaáp nhaän hoái phieáu (Acceptance)
 Chaáp nhaän hoái phieáu laø moät thuû tuïc phaùp lyù
nhaèm xaùc nhaän vieäc ñoàng yù (ñaûm baûo) thanh
toaùn cuûa ngöôøi traû tieàn hoái phieáu.
 Hình thöùc chaáp nhaän- accepted, kyù goùc döôùi
beân traùi, maët sau, ñoùng daáu ngay giöõa, chaáp
nhaän baèng tôø giaáy rôøi.

14. 6.Kyù haäu hoái phieáu (Endorsement)
• Kyù haäu hoái phieáu laø moät thuû tuïc phaùp lyù ñeå
chuyeån nhöôïng hoái phieáu töø ngöôøi höôûng
lôïi naøy sang ngöôøi höôûng lôïi khaùc.
• Hình thöùc kyù haäu chuyeån nhöôïng:
– Kyù haäu ñeå traéng (Blank endorsement)
– Kyù haäu theo leänh (To order endorsement)
– Kyù haäu haïn cheá (Restrictive endorsement)
– Kyù haäu mieãn truy ñoøi (Without recourse
endorsement)

15. 7.Baûo laõnh hoái phieáu (Guarantee)
Baûo laõnh laø söï cam keát cuûa ngöôøi thöù ba
(thoâng thöôøng laø caùc toå chöùc taøi chính)
nhaèm ñaûm baûo traû tieàn cho nguôøi höôûng
lôïi neáu nhö ñeán kyø haïn maø ngöôøi traû
tieàn khoâng thanh toaùn.
Baûo laõnh bí maät hay baûo laõnh coâng khai.

16. 8.Khaùng nghò (Protest)
Khaùng nghò laø moät thuû tuïc phaùp lyù
nhaèm baûo veä quyeàn lôïi cho chuû nôï, ñoù laø
baûn tuyeân boá cuûa coâng chöùng vieân
(ngöôøi ñaïi dieän cô quan phaùp luaät), xaùc
thöïc tình traïng khoâng traû nôï cuûa con
nôï.

17. 9.Chieát khaáu hoái phieáu (Discount)
Chieát khaáu hoái phieáu laø nghieäp vuï cho
vay cuûa Ngaân haøng thöông maïi. Ngöôøi
baùn hoaëc ngöôøi höôûng lôïi hoái phieáu xuaát
trình hoái phieáu chöa ñeán haïn traû tieàn cho
Ngaân haøng ñeå nhaän tröôùc moät khoaûn tieàn
thaáp hôn soá tieàn ghi treân hoái phieáu .

18. II.Leänh phieáu (Promissory notes)
Leänh phieáu laø lôøi höùa, lôøi cam keát thanh
toaùn cuûa ngöôøi traû tieàn .

19. Maãu 1: Leänh phieáu traû ngay
NewYork 30 December 2004
USD 5,000.00
US Dollars I promise to pay bearer on
demand the sum of five thousand only.
Mr Agassi

20. Maãu 2: Leänh phieáu coù kyø haïn
NewYork 24 January 2004
5000 USD
Three months after date I promise to pay
David Henry or order the sum of five
thousand US Dollars.
David Cantona