{"id":31118,"date":"2023-12-07T10:21:22","date_gmt":"2023-12-07T10:21:22","guid":{"rendered":"https:\/\/masterskills.org\/blog\/chung-chi-tien-gui-certificate-of-deposit-la-gi-phan-loai-chung-chi-tien-gui.html"},"modified":"2023-12-23T07:25:06","modified_gmt":"2023-12-23T00:25:06","slug":"chung-chi-tien-gui-certificate-of-deposit-la-gi-phan-loai-chung-chi-tien-gui","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/chung-chi-tien-gui-certificate-of-deposit-la-gi-phan-loai-chung-chi-tien-gui.html","title":{"rendered":"Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi (Certificate of deposit) l\u00e0 g\u00ec? Ph\u00e2n lo\u1ea1i ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda (Ngu\u1ed3n: img.vietnamfinance.vn)<\/p>\n<\/div>\n<\/div>\n

Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi (Certificate of deposit) <\/font><\/h2>\n

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

Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi<\/b> trong ti\u1ebfng Anh l\u00e0 Certificate of deposit.<\/b><\/p>\n

Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi<\/b>\u00a0l\u00e0 m\u1ed9t lo\u1ea1i t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh ng\u1eafn h\u1ea1n \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh b\u1edfi m\u1ed9t ng\u00e2n h\u00e0ng hay m\u1ed9t t\u1ed5 ch\u1ee9c ti\u1ebft ki\u1ec7m, ch\u1ee9ng nh\u1eadn v\u1ec1 m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh \u0111\u01b0\u1ee3c k\u00ed g\u1eedi t\u1ea1i t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9. C\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ti\u1ebft ki\u1ec7m ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n t\u00e0i tr\u1ee3 cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a h\u1ecd. Tr\u00ean ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 qui \u0111\u1ecbnh ng\u00e0y \u0111\u00e1o h\u1ea1n, l\u00e3i su\u1ea5t c\u1ee5 th\u1ec3, v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh v\u1edbi b\u1ea5t k\u00ec m\u1ec7nh gi\u00e1 n\u00e0o (Fabozzi v\u00e0 Modigliani, 2009)<\/i>.<\/p>\n

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

Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 vay n\u1ee3 ng\u1eafn h\u1ea1n do ng\u00e2n h\u00e0ng (ho\u1eb7c t\u1ed5 ch\u1ee9c ti\u1ebft ki\u1ec7m) b\u00e1n cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, \u0111\u01b0\u1ee3c thanh to\u00e1n l\u00e3i theo l\u00e3i su\u1ea5t \u0111\u00e3 \u0111\u1ecbnh tr\u01b0\u1edbc v\u00e0 khi \u0111\u00e1o h\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 h\u1ebft m\u1ec7nh gi\u00e1 ban \u0111\u1ea7u.<\/p>\n

T\u1ea1i M\u1ef9, c\u00e1c ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi k\u00ed danh do ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi C\u00f4ng ty B\u1ea3o hi\u1ec3m Ti\u1ec1n g\u1eedi Li\u00ean bang (FDIC) nh\u01b0ng v\u1edbi gi\u00e1 tr\u1ecb \u0111\u1ebfn 100.000 USD. Th\u1eddi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf, nh\u01b0ng theo qui \u0111\u1ecbnh c\u1ee7a C\u1ee5c d\u1ef1 tr\u1eef li\u00ean bang, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f3 th\u1eddi h\u1ea1n d\u01b0\u1edbi 7 ng\u00e0y.<\/p>\n

Ph\u1ea7n l\u1edbn ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh v\u1edbi th\u1eddi h\u1ea1n d\u01b0\u1edbi 1 n\u0103m. Nh\u1eefng ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh v\u1edbi th\u1eddi h\u1ea1n d\u00e0i h\u01a1n m\u1ed9t n\u0103m \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi k\u00ec h\u1ea1n. Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 th\u1eddi h\u1ea1n m\u1ed9t n\u0103m tr\u1edf xu\u1ed1ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e3i khi \u0111\u1ebfn h\u1ea1n.<\/p>\n

Th\u00f4ng th\u01b0\u1eddng l\u00e3i su\u1ea5t c\u1ee7a\u00a0ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c t\u00ednh theo n\u0103m th\u01b0\u01a1ng m\u1ea1i. Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi d\u00e0i h\u1ea1n ph\u00e1t h\u00e0nh \u1edf M\u1ef9 th\u01b0\u1eddng tr\u1ea3 l\u00e3i b\u00e1n ni\u00ean, \u1edf \u0111\u00e2y m\u1ed9t n\u0103m c\u0169ng \u0111\u01b0\u1ee3c t\u00ednh theo n\u0103m th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Ph\u00e2n lo\u1ea1i <\/font><\/h2>\n

Ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c chia th\u00e0nh hai lo\u1ea1i: Kh\u00f4ng th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng (Nonnegotiable)<\/b> v\u00e0 c\u00f3 th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng (Negotiable).<\/b><\/p>\n

Th\u00f4ng th\u01b0\u1eddng ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi kh\u00f4ng th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng<\/b> \u0111i k\u00e8m v\u1edbi v\u1edbi m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i ho\u1eb7c c\u00e1c khuy\u1ebfn m\u1ea1i kh\u00e1c. Trong tr\u01b0\u1eddng h\u1ee3p ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi kh\u00f4ng th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng, ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ban \u0111\u1ea7u ph\u1ea3i \u0111\u1ee3i cho \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n c\u1ee7a ch\u1ee9ng ch\u1ec9 th\u00ec m\u1edbi thu l\u1ea1i \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n k\u00ed g\u1eedi. N\u1ebfu ng\u01b0\u1eddi g\u1eedi ti\u1ec1n quy\u1ebft \u0111\u1ecbnh r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n th\u00ec ph\u1ea3i ch\u1ecbu m\u1ed9t kho\u1ea3n ti\u1ec1n ph\u1ea1t r\u00fat tr\u01b0\u1edbc h\u1ea1n ho\u1eb7c ch\u1ec9 t\u00ednh l\u00e3i \u1edf m\u1ed9t m\u1ee9c r\u1ea5t th\u1ea5p.<\/p>\n

Ng\u01b0\u1ee3c l\u1ea1i, ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng<\/b> cho ph\u00e9p ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ban \u0111\u1ea7u (hay ng\u01b0\u1eddi ch\u1ee7 s\u1edf h\u1eefu ti\u1ebfp theo c\u1ee7a ch\u1ee9ng ch\u1ec9) \u0111\u01b0\u1ee3c b\u00e1n\u00a0ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi tr\u00ean th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7 tr\u01b0\u1edbc ng\u00e0y \u0111\u00e1o h\u1ea1n. H\u1ea7u nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh\u00a0ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u01b0\u1ee3c, \u0111i\u1ec1u n\u00e0y khi\u1ebfn\u00a0ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi tr\u1edf n\u00ean h\u1ea5p d\u1eabn h\u01a1n so v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi th\u00f4ng th\u01b0\u1eddng v\u00e0 tr\u1edf th\u00e0nh m\u1ed9t h\u00e0ng h\u00f3a quan tr\u1ecdng trong th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7.<\/p>\n

Nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn nh\u1ea5t v\u00e0o ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi<\/b><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng khu v\u1ef1c l\u1edbn l\u00e0 nh\u1eefng \u0111\u01a1n v\u1ecb ch\u00ednh chuy\u00ean ph\u00e1t h\u00e0nh ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi n\u1ed9i \u0111\u1ecba. Nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn nh\u1ea5t v\u00e0o\u00a0ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi l\u00e0 c\u00e1c c\u00f4ng ty \u0111\u1ea7u t\u01b0, c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7.\u00a0<\/p>\n

\u0110\u1ea7u t\u01b0 \u00edt h\u01a1n nhi\u1ec1u l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c b\u1ed9 ph\u1eadn t\u00edn th\u00e1c c\u1ee7a ng\u00e2n h\u00e0ng, ti\u1ebfp theo l\u00e0 c\u00e1c c\u01a1 quan t\u1ed5 ch\u1ee9c thu\u1ed9c \u0111\u00f4 th\u1ecb v\u00e0 c\u00e1c c\u00f4ng ty kh\u00e1c. T\u1ea1i Vi\u1ec7t Nam,\u00a0ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh r\u1ed9ng r\u00e3i cho c\u00e1c t\u1ea7ng l\u1edbp d\u00e2n c\u01b0, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ch\u00ednh n\u1eafm gi\u1eef ch\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi.<\/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\u1ee9ng ch\u1ec9 ti\u1ec1n g\u1eedi (ti\u1ebfng Anh: Certificate of deposit) \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 vay n\u1ee3 ng\u1eafn h\u1ea1n do ng\u00e2n h\u00e0ng (ho\u1eb7c t\u1ed5 ch\u1ee9c ti\u1ebft ki\u1ec7m) b\u00e1n cho ng\u01b0\u1eddi g\u1eedi ti\u1ec1n.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[417],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31118"}],"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=31118"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31118\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}