{"id":26351,"date":"2023-12-07T02:33:09","date_gmt":"2023-12-07T02:33:09","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chap-phieu-ngan-hang-bankers-acceptances-la-gi-rui-ro-tin-dung-chap-phieu-ngan-hang.html"},"modified":"2023-12-22T14:43:44","modified_gmt":"2023-12-22T07:43:44","slug":"chap-phieu-ngan-hang-bankers-acceptances-la-gi-rui-ro-tin-dung-chap-phieu-ngan-hang","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chap-phieu-ngan-hang-bankers-acceptances-la-gi-rui-ro-tin-dung-chap-phieu-ngan-hang.html","title":{"rendered":"Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng (Banker’s Acceptances) l\u00e0 g\u00ec? R\u1ee7i ro t\u00edn d\u1ee5ng ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda (Ngu\u1ed3n: shuttershock)<\/p>\n<\/div>\n<\/div>\n

Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng (Banker’s Acceptances)<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng<\/b> trong ti\u1ebfng Anh l\u00e0 Banker’s Acceptances.<\/b><\/p>\n

Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng (Banker’s Acceptances)<\/b> l\u00e0 gi\u1ea5y cam k\u1ebft c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng (g\u1ecdi l\u00e0 ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn) tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh cho ng\u01b0\u1eddi n\u1eafm gi\u1eef ch\u1ea5p phi\u1ebfu v\u00e0o m\u1ed9t ng\u00e0y nh\u1ea5t \u0111\u1ecbnh \u0111\u01b0\u1ee3c ghi r\u00f5 tr\u00ean ch\u1ea5p phi\u1ebfu.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m<\/b><\/p>\n

Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng th\u1ef1c ch\u1ea5t l\u00e0 th\u01b0\u01a1ng phi\u1ebfu do doanh nghi\u1ec7p ph\u00e1t h\u00e0nh \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng cam k\u1ebft thanh to\u00e1n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh khi \u0111\u1ebfn h\u1ea1n b\u1eb1ng c\u00e1ch \u0111\u00f3ng d\u1ea5u \u0111\u00e3 ch\u1ea5p nh\u1eadn (Accepted) l\u00ean th\u01b0\u01a1ng phi\u1ebfu.<\/p>\n

Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c t\u00e0i tr\u1ee3 cho c\u00e1c giao d\u1ecbch mua b\u00e1n ch\u1ecbu h\u00e0ng h\u00f3a qu\u1ed1c t\u1ebf. Khi m\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c ch\u01b0a bi\u1ebft r\u00f5 v\u1ec1 nhau, ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ea3m b\u1ea3o ch\u1eafc ch\u1eafn kho\u1ea3n ti\u1ec1n thanh to\u00e1n ti\u1ec1n h\u00e0ng c\u1ee7a b\u00ean b\u00e1n s\u1ebd \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng b\u00ean mua \u0111\u1ea3m b\u1ea3o tr\u1ea3 thay cho kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. V\u00ec v\u1eady ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 thu\u1eadn nh\u1eadn ng\u00e2n h\u00e0ng.<\/p>\n

Nh\u1eefng ng\u00e2n h\u00e0ng t\u1ea1o ra ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn.\u00a0Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng sau khi \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh cho \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c giao d\u1ecbch tr\u00ean th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 th\u00f4ng qua ph\u01b0\u01a1ng th\u1ee9c chi\u1ebft kh\u1ea5u, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 t\u00edn phi\u1ebfu kho b\u1ea1c hay th\u01b0\u01a1ng phi\u1ebfu.<\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee7 y\u1ebfu v\u00e0o ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng<\/b><\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee7 y\u1ebfu v\u00e0o ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng l\u00e0 c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 v\u1edbi m\u1ee5c ti\u00eau t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 ng\u1eafn h\u1ea1n. C\u00e1c ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn c\u0169ng c\u00f3 th\u1ec3 gi\u1eef ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng trong danh m\u1ee5c cho vay c\u1ee7a h\u1ecd v\u00e0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng n\u00f3 l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho m\u1ed9t kho\u1ea3n vay chi\u1ebft kh\u1ea5u t\u1eeb FED (C\u1ee5c d\u1ef1 tr\u1eef li\u00ean bang M\u1ef9) n\u1ebfu ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/p>\n

Nh\u1eefng ch\u1ea5p phi\u1ebfu kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 m\u1ed9t t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi l\u01b0\u1ee3ng ti\u1ec1n huy \u0111\u1ed9ng t\u1eeb ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng, v\u00ec ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c b\u00e1n ra b\u1edfi m\u1ed9t ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn ch\u00ednh l\u00e0 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 ti\u1ec1m n\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3.<\/p>\n

R\u1ee7i ro t\u00edn d\u1ee5ng ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng<\/font><\/b><\/h2>\n

Ng\u01b0\u1eddi n\u1eafm gi\u1eef ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u01b0\u01a1ng nhi\u00ean g\u00e1nh ch\u1ecbu r\u1ee7i ro t\u00edn d\u1ee5ng. \u0110\u00f3 l\u00e0 r\u1ee7i ro ng\u01b0\u1eddi vay (ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn) s\u1ebd kh\u00f4ng th\u1ec3 tr\u1ea3 v\u1ed1n g\u1ed1c khi \u0111\u1ebfn h\u1ea1n. L\u00e3i su\u1ea5t th\u1ecb tr\u01b0\u1eddng (l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u) m\u00e0 ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u01b0a ra cho nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u1ea3n \u00e1nh r\u1ee7i ro n\u00e0y. Song, l\u00e3i su\u1ea5t n\u00e0y th\u01b0\u1eddng l\u00e0 th\u1ea5p v\u00ec nguy c\u01a1 v\u1ee1 n\u1ee3 trong ng\u1eafn h\u1ea1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ch\u1ea5p nh\u1eadn l\u00e0 r\u1ea5t th\u1ea5p.<\/p>\n

Tuy nhi\u00ean, l\u00e3i su\u1ea5t c\u1ee7a ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng v\u1eabn cao h\u01a1n t\u00edn phi\u1ebfu kho b\u1ea1c c\u00f9ng th\u1eddi k\u00ec, c\u00f4ng c\u1ee5 lu\u00f4n \u0111\u01b0\u1ee3c xem l\u00e0 t\u00e0i s\u1ea3n phi r\u1ee7i ro. L\u1ee3i su\u1ea5t c\u1ee7a ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 bao g\u1ed3m ph\u1ea7n b\u00f9 \u0111\u1eafp r\u1ee7i ro cho kh\u1ea3 n\u0103ng thanh kho\u1ea3n t\u01b0\u01a1ng \u0111\u1ed1i th\u1ea5p v\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng giao d\u1ecbch th\u1ee9 c\u1ea5p k\u00e9m ph\u00e1t tri\u1ec3n h\u01a1n nhi\u1ec1u so v\u1edbi t\u00edn phi\u1ebfu kho b\u1ea1c.<\/p>\n

Tuy nhi\u00ean, m\u1ee9c ch\u00eanh l\u1ec7ch l\u1ee3i su\u1ea5t n\u00e0y kh\u00f4ng c\u1ed1 \u0111\u1ecbnh theo th\u1eddi gian. S\u1ef1 thay \u0111\u1ed5i c\u1ee7a m\u1ee9c ch\u00eanh l\u1ec7ch l\u1ee3i su\u1ea5t cho th\u1ea5y s\u1ef1 thay \u0111\u1ed5i k\u1ebft qu\u1ea3 \u0111\u00e1nh gi\u00e1 c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1ec1 s\u1ef1 kh\u00e1c bi\u1ec7t r\u1ee7i ro v\u00e0 thanh kho\u1ea3n gi\u1eefa c\u00e1c t\u00e0i s\u1ea3n.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Gi\u00e1o tr\u00ecnh Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh, NXB Kinh t\u1ebf Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Ch\u1ea5p phi\u1ebfu ng\u00e2n h\u00e0ng (ti\u1ebfng Anh: Banker’s Acceptances) th\u1ef1c ch\u1ea5t l\u00e0 th\u01b0\u01a1ng phi\u1ebfu do doanh nghi\u1ec7p ph\u00e1t h\u00e0nh \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng cam k\u1ebft thanh to\u00e1n cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh khi \u0111\u1ebfn h\u1ea1n.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26351"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=26351"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26351\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=26351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=26351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=26351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}