{"id":31977,"date":"2023-12-07T13:01:36","date_gmt":"2023-12-07T13:01:36","guid":{"rendered":"https:\/\/masterskills.org\/blog\/cac-nghia-vu-thanh-toan-cua-ngan-hang-bank-payment-obligations-bpo-la-gi.html"},"modified":"2023-12-23T09:40:25","modified_gmt":"2023-12-23T02:40:25","slug":"cac-nghia-vu-thanh-toan-cua-ngan-hang-bank-payment-obligations-bpo-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/cac-nghia-vu-thanh-toan-cua-ngan-hang-bank-payment-obligations-bpo-la-gi.html","title":{"rendered":"C\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng (Bank Payment Obligations – BPO) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda<\/i><\/p>\n<\/figcaption><\/figure>\n

C\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng<\/font><\/h2>\n

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

C\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng<\/b> trong ti\u1ebfng Anh l\u00e0 Bank Payment Obligations,<\/b> vi\u1ebft t\u1eaft l\u00e0 BPO<\/b>.<\/p>\n

Theo \u0111i\u1ec1u kho\u1ea3n 3 URBPO, c\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng (BPO) l\u00e0 m\u1ed9t cam k\u1ebft \u0111\u1ed9c l\u1eadp v\u00e0 kh\u00f4ng th\u1ec3 h\u1ee7y ngang c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 ngh\u0129a v\u1ee5 s\u1ebd thanh to\u00e1n ngay ho\u1eb7c cam k\u1ebft thanh to\u00e1n v\u1ec1 sau v\u00e0 tr\u1ea3 ti\u1ec1n khi \u0111\u00e1o h\u1ea1n m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh cho ng\u00e2n h\u00e0ng ti\u1ebfp nh\u1eadn sau khi xu\u1ea5t tr\u00ecnh t\u1ea5t c\u1ea3 c\u00e1c b\u1ed9 d\u1eef li\u1ec7u do d\u1eef li\u1ec7u c\u01a1 s\u1edf \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp y\u00eau c\u1ea7u v\u00e0 cho k\u1ebft qu\u1ea3 so kh\u1edbp ph\u00f9 h\u1ee3p ho\u1eb7c \u0111\u00e3 ch\u1ea5p nh\u1eadn so kh\u1edbp kh\u00f4ng ph\u00f9 h\u1ee3p theo \u0111\u00fang qui \u0111\u1ecbnh.<\/p>\n

URBPO l\u00e0 m\u1ed9t t\u1eadp qu\u00e1n th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf c\u1ee7a\u00a0ICC\u00a0d\u00f9ng \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh BPO, thay v\u00ec UCP \u0111i\u1ec1u ch\u1ec9nh th\u01b0 t\u00edn d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

\u0110\u1eb7c tr\u01b0ng c\u1ee7a ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n BPO<\/font><\/h3>\n

– BPO l\u00e0 m\u1ed9t cam k\u1ebft c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 ngh\u0129a v\u1ee5 cam k\u1ebft tr\u1ea3 ti\u1ec1n cho ng\u00e2n h\u00e0ng ti\u1ebfp nh\u1eadn BPO, t\u1ee9c l\u00e0 ng\u00e2n h\u00e0ng ng\u01b0\u1eddi b\u00e1n kh\u00f4ng tr\u1ea3 ti\u1ec1n tr\u1ef1c ti\u1ebfp cho ng\u01b0\u1eddi b\u00e1n. Vi\u1ec7c ho\u00e0n tr\u1ea3 ti\u1ec1n t\u1eeb ng\u00e2n h\u00e0ng th\u1ee5 h\u01b0\u1edfng BPO cho ng\u01b0\u1eddi b\u00e1n s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo th\u1ecfa thu\u1eadn ri\u00eang k\u00ed k\u1ebft gi\u1eefa ng\u00e2n h\u00e0ng ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u01b0\u1eddi b\u00e1n.\u00a0<\/p>\n

– BPO l\u00e0 m\u1ed9t cam k\u1ebft tr\u1ea3 ti\u1ec1n \u0111\u1ed9c l\u1eadp v\u00e0 kh\u00f4ng th\u1ec3 h\u1ee7y ngang. BPO kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng gi\u1ed1ng nh\u01b0\u00a0L\/C chuy\u1ec3n nh\u01b0\u1ee3ng.<\/p>\n

– Kh\u00f4ng gian ph\u00e1p l\u00ed c\u1ee7a BPO l\u00e0 B2B (Ng\u00e2n h\u00e0ng – Ng\u00e2n h\u00e0ng). Kh\u00f4ng gian ph\u00e1p l\u00ed \u0111\u01a1n nh\u1ea5t n\u00e0y c\u1ee7a BPO s\u1ebd gi\u1ea3m thi\u1ec3u \u0111\u01b0\u1ee3c c\u00e1c r\u1ee7i ro th\u01b0\u1eddng ph\u00e1t sinh do s\u1ef1 kh\u00e1c bi\u1ec7t g\u00e2y ra trong giao d\u1ecbch.<\/p>\n

– Ng\u00e2n h\u00e0ng c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 ti\u1ec1n cho ng\u00e2n h\u00e0ng th\u1ee5 h\u01b0\u1edfng BPO ch\u1ec9 c\u0103n c\u1ee9 v\u00e0o vi\u1ec7c so kh\u1edbp b\u1ed9 d\u1eef li\u1ec7u th\u01b0\u01a1ng m\u1ea1i v\u1edbi d\u1eef li\u1ec7u c\u01a1 s\u1edf \u0111\u00e3 thi\u1ebft l\u1eadp kh\u00f4ng c\u0103n c\u1ee9 v\u00e0o c\u00e1c ch\u1ee9ng t\u1eeb th\u01b0\u01a1ng m\u1ea1i v\u0103n b\u1ea3n do ng\u01b0\u1eddi b\u00e1n xu\u1ea5t tr\u00ecnh, d\u00f9 b\u1ed9 d\u1eef li\u1ec7u th\u01b0\u01a1ng m\u1ea1i n\u00e0y \u0111\u01b0\u1ee3c tr\u00edch t\u1eeb c\u00e1c ch\u1ee9ng t\u1eeb th\u01b0\u01a1ng m\u1ea1i v\u0103n b\u1ea3n \u0111\u00f3.<\/p>\n

– Ng\u00f4n ng\u1eef v\u1eadn h\u00e0nh BPO, ngo\u00e0i ti\u1ebfng Anh th\u00f4ng d\u1ee5ng, l\u00e0 C\u00e1c M\u1eabu tin ISO 20022 TSMT messages.<\/p>\n

– Vi\u1ec7c so kh\u1edbp v\u00e0 ki\u1ec3m tr\u1ea3 c\u00e1c d\u1eef li\u1ec7u th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng m\u00e1y qua H\u1ec7 \u1ee9ng d\u1ee5ng so kh\u1edbp d\u1eef li\u1ec7u giao d\u1ecbch (TMA), nh\u1edd \u0111\u00f3 tr\u00e1nh \u0111\u01b0\u1ee3c t\u00ednh ch\u1ee7 quan, gi\u1eef \u0111\u01b0\u1ee3c t\u00ednh trung l\u1eadp v\u00e0 \u0111\u1ed9c l\u1eadp.\u00a0<\/p>\n

– TMA l\u00e0 m\u1ed9t m\u00e1y, do \u0111\u00f3 ph\u1ea3i c\u00f3 t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00ed, v\u1eadn h\u00e0nh n\u00f3, \u0111\u00f3 l\u00e0 Trade Services Utility. C\u00e1c ng\u00e2n h\u00e0ng mu\u1ed1n s\u1eed d\u1ee5ng TMA ph\u1ea3i \u0111\u0103ng k\u00ed v\u1edbi t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00ed tr\u00ean.<\/p>\n

– Trong c\u01a1 ch\u1ebf thanh to\u00e1n d\u1ef1a v\u00e0o ch\u1ee9ng t\u1eeb v\u0103n b\u1ea3n, v\u1ea5n \u0111\u1ec1 gi\u1ea3i quy\u1ebft s\u1ef1 kh\u00e1c bi\u1ec7t ph\u00e1t sinh t\u1eeb \u0111\u1ed1i chi\u1ebfu ch\u1ee9ng t\u1eeb r\u1ea5t ph\u1ee9c t\u1ea1p v\u00e0 m\u1ea5t nhi\u1ec1u th\u1eddi gian. Ng\u01b0\u1ee3c l\u1ea1i trong ph\u01b0\u01a1ng th\u1ee9c BPO, v\u1ea5n \u0111\u1ec1 gi\u1ea3i quy\u1ebft kh\u00e1c bi\u1ec7t d\u1eef li\u1ec7u s\u1ed1 nhanh ch\u00f3ng, k\u1ecbp th\u1eddi trong qu\u00e1 tr\u00ecnh v\u1eadn h\u00e0nh BPO l\u00e0 nh\u1edd \u1edf kh\u00f4ng gian ph\u00e1p l\u00ed \u0111\u01a1n nh\u1ea5t v\u00e0 s\u1ed1 h\u00f3a ch\u1ee9ng t\u1eeb th\u01b0\u01a1ng m\u1ea1i.\u00a0<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n BPO thay th\u1ebf L\/C, NXB Lao \u0111\u1ed9ng)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n C\u00e1c ngh\u0129a v\u1ee5 thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng (ti\u1ebfng Anh: Bank Payment Obligations, vi\u1ebft t\u1eaft: BPO) l\u00e0 s\u1ef1 t\u00edch h\u1ee3p c\u1ee7a hai ph\u01b0\u01a1ng th\u1ee9c t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb v\u00e0 ghi s\u1ed5, \u0111\u1ec3 t\u00edch h\u1ee3p \u0111\u01b0\u1ee3c \u0111i\u1ec3m m\u1ea1nh v\u00e0 h\u1ea1n ch\u1ebf \u0111i\u1ec3m y\u1ebfu, r\u1ee7i ro c\u1ee7a hai ph\u01b0\u01a1ng th\u1ee9c n\u00e0y.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[418],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31977"}],"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=31977"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/31977\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=31977"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=31977"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=31977"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}