Hoàn thiện hoạt động thanh toán quốc tế theo phương thức tín dụng chứng từ tại ngân hàng Sacombank - chi nhánh Bình Dương: Khóa luận đại học chuyên ngành tài chính - ngân hàng / Nguyễn Lý Trường Thành ; Trần Hồng Hà người hướng dẫn khoa học

BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM

TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP.HCM

NGUYỄN LÝ TRƢỜNG THÀNH

HOÀN THIỆN HOẠT ĐỘNG THANH TOÁN QUỐC TẾ THEO PHƢƠNG

THỨC TÍN DỤNG CHỨNG TỪ TẠI NGÂN HÀNG SACOMBANK – CHI

NHÁNH BÌNH DƢƠNG

KHÓA LUẬN TỐT NGHIỆP

Chuyên ngành: Tài chính – Ngân hàng

Mã ngành: 7340201

TP.HỒ CHÍ MINH, NĂM 2020

2

BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM

TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP.HCM

NGUYỄN LÝ TRƢỜNG THÀNH

HOÀN THIỆN HOẠT ĐỘNG THANH TOÁN QUỐC TẾ THEO PHƢƠNG

THỨC TÍN DỤNG CHỨNG TỪ TẠI NGÂN HÀNG SACOMBANK – CHI

NHÁNH BÌNH DƢƠNG

KHÓA LUẬN TỐT NGHIỆP

Chuyên ngành: Tài chính – Ngân hàng

Mã ngành: 7340201

NGƢỜI HƢỚNG DẪN KHOA HỌC

THS. TRẦN HỒNG HÀ

TP.HỒ CHÍ MINH, NĂM 2020

i

ABSTRACT

Nowadays, commercial banks all have a basic goal of surviving and maintaining

market share in the Vietnamese market, in addition to ambitious to enhance their position

and economic strength to perform well the role of international bridge and that brings

great benefits. Banks often have to deal with import-export payment issues. In order to

ensure safer import and export payments, banks have adopted a method of introducing

letters of credit into transactions to better ensure the interests of buyers and sellers. But

actually import-export payment transactions are often concentrated at the foreign trade

bank more than commercial bank. Previous studies have also studied the international

payment activities in many different banks, but only at a general level, including all

transactions of international payments.

Therefore, to better understand the current situation of International Payment

through documentary credit over the years as well as propose some measures to improve

the limited factors and develop the strengths of the Bank, the topic "International

Payment Activity by Documentary Credit Method at Sacombank - Binh Duong Branch"

was selected as the research topic in this graduation thesis.

This thesis focuses on evaluating international payment activities by the mode of

documentary credit at Sacombank - Binh Duong Branch in the period 2015 - 2019.

Research and use of secondary data collected at Sacombank - Binh Duong Branch. All

collected data are in the period 2015 - 2019. The research factor focuses on import -

export activities by the mode of documentary credit.

Overall Objectives

Analyzing the current status of international payment activities by documentary

credit method at Saigon Thuong Tin Commercial Joint Stock Bank (Sacombank) - Binh

Duong branch to point out the strengths and also point out the limitations and causes that

ii

affected on the international payment sector and then find solutions to overcome and

promote its strengths.

Detail Objectives

Analyzing the current situation of international payment activities by the mode of

documentary credit.

Evaluating the advantages, limitations and causes of international payment

operations by the documentary credit method at Sacombank - Binh Duong Branch

Find out solutions to help the bank's international payment activities become

stronger, attract more partners, and bring high profits for the bank.

Research Methods

The author use following research methods to complete the thesis:

- Methods of collecting information and data: Data were taken from reports of the

Branch. Information collected from reference books, newspapers, ...

- Observation method: Observing the actual situation at the branch in order to

capture the knowledge of international payment operations at the Bank

- Interview method: Directly interviewing the prosecutor and other officers in the

same department to get an overview of the operation

- Methods of analysis and comparison: Analyzing and comparing data by criteria.

Thereby, making comments and conclusions about international payment

activities.

- Relative numerical comparison method: is the result of the division between the

value of the analysis period and the base period of the economic indicators. This

method is used to compare the growth rate of indicators between years.

Research content

iii

The content of the topic is divided into three chapters. The first chapter presents the

concepts and definitions of international payments, credit and letter of credit activities

and lists the advantages and disadvantages and risks that may occur so that viewers can

understand the problem the author refers to in the following section. In addition, this

section also presents the general process of international payment activities according to

the method of credit documents. At the same time specify the parties involved, the rights

and obligations of the parties so that everyone performs their functions properly. Legal

basis and important characteristics of international regulations of international payment

activities in the method of credit documents are raised to help businesses comply with the

rules to avoid making mistakes.. Next chapter, in this part, firstly, the author introduces a

profile of Sacombank - Binh Duong branch. Simultaneously analyze the business results

that this branch is achieving in the past time. The author focuses on analyzing the current

situation of international payment activities by the method of documentary credit at

Sacombank - Binh Duong Branch. Then show the core process of how to conduct

international payments under the documentary credit method. Evaluate the results of

international payment activities by means of documentary credit. Then point out the

successes, shortcomings of the process and propose solutions. The causes that directly

and indirectly affect the business results are also identified. And in the last chapter, the

author outlines the strategies and development orientations of Sacombank. After that, the

author offers solutions to help international payment activities under the form of credit

vouchers to develop. Next, the author bases on what has been analyzed above, then gives

recommendations to the government and recommendations to the State Bank to help

international payment operations by means of document credit in particular and In

general, international payment activities developed stronger.

Research Results

For exporters, when having a commitment from the bank so the likelihood of

receiving money after delivery and presenting a reasonable and appropriate set of

documents, the likelihood of receiving money is almost 100%. At the same time, the risk

iv

is minimized for new customers who do not have reputation in the market. You can

request another bank to serve you for the confirmation of letter of credit in case the seller

does not have absolute trust in the issuing bank or the issuing bank is a small bank, the

scale of operation is not large and not yet. is well known. To receive professional

advisory services in the payment profession by letter of credit from an intermediary

financial institution is a bank. But it require exporters to meet the fullest conditions of

the letter of credit if they want to receive L/C payment from the issuing bank. The service

fee associated with the payment through the documentary credit method is usually higher

than the other payment methods.

The importer is guaranteed that only when the seller fully meets the terms and

conditions of the L/C will then the payment be made. Importers can negotiate more

favorable terms of payment and trade using the L/C payment method. The importer can

prove their solvency through an issuing bank signing the L/C issue and at the same time

enjoy professional advisory services in the payment operation. Letter of credit does not

include guarantee of the quality of goods and quantity as signed or not. Therefore, it is

important for buyers to self-assess and evaluate the reputation and brand name of the

seller when making this payment method. In order for a bank to issue its L/C, it is

necessary to have a deposit or apply loan security methods. The service fee when making

payments via credit mail is usually higher than other methods.

Solution

Firstly, constantly improve the effectiveness of marketing will help building and

promoting its image of the reputation and quality of payment services must promote

marketing activities, helping customers understand and trust the bank's operations,

especially L/C; at the same time, it has built up the Bank's brand name to be bigger and

bigger day. Secondly, expanding and improving the quality of consulting services for

customers when dealing with customers, the Bank's staff needs to provide necessary

instructions to make mistakes, help customers to fully and accurately implement the

procedures when needed and the last is developing customer support services to attract

v

more new customers and then we need to improve efficiency in risk management in

international payment by L/C to reduce the risks when starting to service the customers.

Conclusions

International payment is the bridge between Vietnam market and international

market. In the context of economic integration, the trade between domestic and foreign

enterprises always takes place continuously. Therefore, the objects using this service

often put a lot of expectation on how it works and whether the operating process is really

safe and fast or not. With the research results, the author will point out the factors

affecting international payment activities at Sacombank - Binh Duong Branch, through

which the author has given some practical solutions to overcome the disadvantages and

enhancing strengths.

vi

LỜI CAM ĐOAN

Tôi tên là: Nguyễn Lý Trƣờng Thành

Sinh ngày: 8/2/1998

MSSV: 030632162133

Lớp: HQ4-GE03

Là sinh viên khóa 4 thuộc chƣơng trình chất lƣợng cao của Trƣờng Đại Học Ngân

Hàng Thành Phố Hồ Chí Minh.

Đề tài luận văn: “Hoạt động thanh toán quốc tế theo phƣơng thức tín dụng chứng

từ tại Ngân hàng Sacombank – Chi nhánh Bình Dƣơng”.

Ngƣời hƣớng dẫn khoa học: ThS. Trần Hồng Hà

Luận văn đƣợc thực hiện tại Trƣờng Đại Học Ngân Hàng Thành Phố Hồ Chí Minh.

Luận văn này là công trình nghiên cứu riêng của tác giả, kết quả nghiên cứu là trung

thực, trong đó không có các nội dung đã đƣợc công bố trƣớc đây hoặc các nội dung do

ngƣời khác thực hiện ngoại trừ các trích dẫn đƣợc dẫn nguồn đẩy đủ trong luận văn.

Tôi xin hoàn toàn chịu trách nhiệm về lời cam đoan danh dự của tôi.

TP. Hồ Chí Minh, ngày tháng năm 2020

Tác giả

Nguyễn Lý Trƣờng Thành