TRUNG TÂM THANH TOÁN

HƯỚNG DẪN NGHIỆP VỤ CTQT

CÁC MỤC ĐÍCH CHUYỂN
TIỀN MỘT CHIỀU CỦA
KHÁCH HÀNG CÁ NHÂN
NỘI DUNG

01 HỌC TẬP Ở NƯỚC NGOÀI

02 TRỢ CẤP NHÂN THÂN

03 ĐỊNH CƯ

04 THU NHẬP HỢP PHÁP CỦA CÁ NHÂN NN

1. HỌC TẬP Ở NƯỚC NGOÀI

01 02 03
Đối tượng liên quan Hạn mức chuyển tiền Hồ sơ giao dịch
 1. HỌC TẬP Ở NƯỚC NGOÀI
Đối tượng liên quan Subordinate…

BIDV receives and handles the request to

debit the subordinate unit's account, based
on the payment limit of such subordinate
unit's account to satisfy its daily payment
Subordinate…
demands after the subordinate unit’s account
balance is transferred to the centralized
funds account of the managing unit (via auto
funds transfer service). Subordinate… Subordinate…

Subordinate…

Subordinate…

MANAGING
UNIT
1. HỌC TẬP Ở NƯỚC NGOÀI
Hạn mức chuyển tiền

MANAGING UNIT SUBORDINATE UNIT

Manage each subordinates’ spending Eligible for making payment orders

on the basis of payment limit (PO, remittance query, tax contribution, …)
within the Payment Limit of the subordinate unit.

Update information/report punctually

(via BIDV iBank)
• Payment limit report
Making transactions easily at any
• Detailed transfer report
BIDV branch
• Utilities allocation report
1. HỌC TẬP Ở NƯỚC NGOÀI
Hồ sơ giao dịch

Distributor Information Management Policy Anchor's proposal

Quantity of Distributors (number of
Enterprises/individuals, number of main
distributors)
Distributor network defined by region
Anchor's revenue from Distributor system
Average size of distributors’ revenue
Average deferred payment limit of
Distributors (according to the payment
policy of Anchor)
The financial support for The financial support for
Distributors: share loan Distributors: share loan
interest rates, pay interest rates, pay
collection fees... collection fees...
Offer the proper credit Offer the proper credit
limit for Distributors, limit for Distributors,
support goods support goods
management as collateral management as collateral
(if any) (if any)
2. TRỢ CẤP NHÂN THÂN

Một số hướng dẫn

Hồ sơ giao dịch …………..
liên quan

…………….. …………….. …………….. ……………..

2. TRỢ CẤP NHÂN THÂN
Một số hướng dẫn liên quan
MOBILE APP WEB

• Inquiring about current account, deposits, loans, guarantees, international • Inquiring about current account, deposits, loans, guarantees, international
Non- remittance (Swift GPI). remittance (Swift GPI)
financial • Enquiring (Make – Confirm – Approve) • Enquiring;
• Serving documents with digital signature, accounts storage, card acceptance
service units management, querying the collection report.

• Domestic remittance (Make – Confirm – Approve) • Domestic remittance; • Public services (State budget,
• International remittance (Confirm – Approve) • International remittance; social insurance contribution)
Financial • • Payroll payment (normal/ automatic); • Trade financing;
Payroll payment (Confirm – Approve)
service • Term deposits (Make – Confirm – Approve) • Term deposits; • Union fee

• Domestic remittance (Make – Confirm – Approve)

• International remittance (Confirm – Approve) • Domestic remittance (Make – Confirm – Approve)
Cash flow • Payroll payment (Confirm – Approve) • International remittance (Confirm – Approve)
• Term deposits (Make – Confirm – Approve) • Payroll payment (Confirm – Approve)
management
• Term deposits (Make – Confirm – Approve)

• Fingerprint and FaceID settings

• For all users: Delegation of online inquiring; Managing beneficiary directory;
• Receiving notifications from the system
Looking up the beneficiary’s bank code; Setting up security questions;
Other utilities • User Manual, FAQ, Contact
• For account holder: Setting limits; Changing the authentication method
• Language settings
• Changing, re-issuing login password
 2. TRỢ CẤP NHÂN THÂN
Hồ sơ giao dịch
Improve cash flow/working capital,
Improve cash flow/working capital, increase turnover
increase turnover

Improve cash flow/working capital, Improve cash flow/working capital,

increase turnover ANCHOR increase turnover

Improve cash flow/working capital, Improve cash flow/working capital,

increase turnover increase turnover
3. CHUYỂN TIỀN ĐỊNH CƯ

HƯỚNG DẪN CHUNG HẠN MỨC CHUYỂN HƯỚNG DẪN HSGD

TIỀN
• Người chuyển tiền • Hạn mức áp dụng chung
• Người thụ hưởng • Hạn mức riêng áp dụng với
• Nguồn tiền chuyển phân khúc KHCC
• Chứng từ định cư
• Chứng từ chứng minh
nguồn gốc số tiền chuyển
• Giấy tờ khác
Q&A
 Câu 1: NĐTNN được thực hiện góp vốn đầu
tư trực tiếp vào Việt Nam theo mức vốn tại
văn bản nào sau đây?

A Hình thức ĐTGTNN tại Việt Nam

D
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
CARD MANAGEMENT
1. Domestic remittance
2. International remittance
3. Payroll payment (normal/automatic)
4. Term deposits
5. Bills payment/registering for periodical
bills payment
6. Foreign exchange transaction
7. Public services (to the State budget, social
insurance contribution)
8. Trade finance
9. Union fees
10. Online bills payment storage
11. Virtual account management
12. Business credit card payment
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
CARDSAVINGS
MANAGEMENT UPDATING
Save time and cost of handling Timely update the status of the
paper documents transactions transferred to the bank

EFFICIENCY
The managing level of the entities are eligible to actively approve documents for
transactions to send to BIDV 24/7 that boosting the transaction handling and efficiency.
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer

Transfer according to limits Transfer according to ratio Transfer according to credit

Transfer on cap/floor balance, or upon the account's slip on the basis of each
amount credited to the
form minimum amount to be
transferred.
available balance exceeds
the minimum balance. account.

Link level Unlimited number of transfer levels.

Transfer Funds transfer time:

Choose by even hours from 8am - 9pm or
Transfer by specific day of week/month or
periodically by day/week/month/end of
frequency at the end of the day (11:59pm) month.

Direction of Transfer according to limits:

Two-way transfer from source account to
Transfer according to ratio/credit slip:
One-way transfer from source account to
transfer target account and vice versa. target account.
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer

01 According to the actual arising

cash flow of the subordinate units

Upon SPENDING quota set

02
monthly by the managing unit
for the subordinate units

The Managing unit selects one method

that enables BIDV to handle and control
payment orders accordingly.
 2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
Report on general information of the
managing/subordinate units
The Parent company can look up its and
its subordinate units’ general/detailed
account information
Report on cash flow fluctuations of the
group
Indicate fluctuations in balances of
current/term deposit accounts,
periodical/daily loans of the Parent
company and each subordinate unit.
Manage internal capital transfer
Can create, edit, look up and extract
reports to track internal loans between the
managing and its subordinate units
(tracking only, no actual accounting on
accounts).
Manage internal capital transfer
Notify payment transactions on the
accounts between the managing units and
the subordinate units and/or between the
subordinate units.
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
Duration
From 01 Jan 2022 to 31 Dec 2022
Target clients
All corporate clients using international
payment/trade financing services via BIDV
iBank channel
Goals
Increase (the number of) clients on digital
channel
Gratitude to clients on the occasion of
BIDV’s establishment occasion
Special offers
50% discount on international remittance fees and
trade financing charges on BIDV iBank;
30 exchange rate points off when the client has
foreign currency exchange on BIDV iBank
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
Concentrating on financial resources,
increasing capital efficiency and
exploiting the preferences in
relations with the Bank
Facilitating with timely multi-
dimensional revenue assessment
Providing [the clients] with
effective and consolidated cash
flow management tools from banks
that help the clients to summarize
financial situation quickly and
easily
Dealing with the situation of
excess/lack of capital at [client’s]
subordinates, avoiding cases of
redundant idle capital in some
subordinates, while the others suffer an
insufficient capital that requires
external loans.
The clients are provided with reports
and tools to perform the centralized
financial management policies.
Accordingly, accurate decisions in
capital management and business
planning could be made.
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
↓

Enable the clients to summarize all money

transfer transactions under the auto funds
transfer service.
2. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
1 CARD MANAGEMENT

Information about the managing branch, name and number

of MIDs BIDV has declared to the card acceptance unit.

2
CARD MANAGEMENT
managing branch, name and number of MIDs BIDV has
declared to the card acceptance unit.

3
CONTRACT ON FEE
The fee that BIDV is applying to the card acceptance unit
is corresponding to each type of cards.
3. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
BÊN BÁN
 Bảo lãnh (tạm ứng, thực hiện
hợp đồng…)
 Bao thanh toán bên bán sử
dụng HMTD của DNTT
 Bao thanh toán bên bán truy
đòi NCC
SHIPPER
 Thanh toán (Thu hộ, chi hộ,
POS/, chi hộ...)
 Quản lý dòng tiền (quản lý
vốn tập trung, quản lý tài
khoản phụ)
 Tài trợ vốn
 TTTM thay thế vay
BÊN MUA
 Bảo lãnh (thanh toán, thực hiện
hợp đồng…)
 Cho vay theo đơn hàng
 Bao thanh toán bên mua
3. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
DNTT THAM GIA CPP

Bán hàng theo kênh phân phối/đại lý trong nước

1

Có tiêu chuẩn quản lý hệ thống đại lý/NPP chặt chẽ (NPP phải
2 đáp ứng các điều kiện: doanh thu tối thiểu, CSVC, trang thiết bị,
hệ thống công nghệ, con người, tài chính…;

Chính sách bán hàng: ký quỹ, hạn mức trả chậm, chiết khấu thương
3 mại, thu hồi/xử lý hàng hóa sau mua,…

Thường sử dụng sản phẩm thu hộ tại BIDV hoặc các TCTD
4
khác, cần hỗ trợ của Ngân hàng trong quản lý theo dõi công nợ
4. ONLINE TERM DEPOSITS

FEATURES
ENABLING
CLIENTS DEPOSIT INTO TERM WITHDRAW FROM TRANSACTIONS
DEPOSIT ACCOUNT: TERM DEPOSIT MANAGEMENT AND
TO
ACCOUNT:
Client can withdraw the REPORT
PERFORM Deposit VND at the
deposits previously
quoted/extra interest rates;
SERVICES Deposit USD/EUR at the deposited via BIDV iBank,
INCLUDIN quoted interest rate. Business Online or at the
transaction counter.
G:
4. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer

Kết quả thu hộ được hệ thống BIDV tự Kết quả từng giao dịch
động truyền trực tiếp vào hệ thống ERP được cập nhật vào BIDV iBank

Hệ thống của doanh nghiệp

cung cấp thông tin mã tài khoản Kết quả từng giao dịch
định danh và hóa đơn được cập nhật vào BIDV iBank

Hệ thống của BIDV gửi yêu cầu vấn tin Doanh nghiệp chủ động truy cập BIDV
iBank để tra cứu/xuất báo cáo kết quả thu
hộ
4. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
01 04

DN có tư cách DN có tư cách
pháp nhân pháp nhân
Đối tượng
tham gia

02 03

DN có tư cách DN có tư cách
pháp nhân pháp nhân
4. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
Tính năng
• Thanh toán tại đơn vị chấp
nhận thẻ, thanh toán trực
tuyến,…
• Không được rút tiền mặt
• Hoàn tiền
Mốc thời gian quan trọng
• Ngày sao kê: 20 hàng tháng
• Ngày đến hạn thanh toán: 15
ngày sau ngày sao kê
Kênh thanh toán dư nợ
• Thanh toán tự động từ tài khoản của
doanh nghiệp tại BIDV thông qua trích
nợ tự động
• Thanh toán tại quầy (ủy nhiệm chi, nộp
tiền mặt)
• Thanh toán qua kênh iBank
Biểu phí, lãi suất
• Theo quy định của BIDV theo
từng thời kỳ
5. ONLINE BILL PAYMENT

Quick bills payment to more than 1,500 Service Providers

in BIDV's digital ecosystem to fully satisfy clients'
payment demands

Port infrastructure charges (with HCMC port authority)

Online bill payment feature

enables clients to make one- Top up ETC account
time bill payments, top up e-
wallets, money remittance to
virtual accounts and register or
unregister for automatic Making payment for electricity bills, air tickets, …
periodical bill payments on
BIDV iBank program.
5. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer

Tặng quà cho KH đầu tiên tham gia

Lãi suất cho vay ưu đãi: chương trình tài trợ chuỗi năm 2023:
CV số 4171/BIDV-KHDN MACBOOK AIR
ngày 30/06/2023 TẶNG DOANH NGHIỆP TRUNG TÂM

IPAD
TẶNG DOANH NGHIỆP VỆ TINH

Tặng tài khoản tham gia Miễn phí sử dụng chương trình phần
nền tảng số hỗ trợ DNNVV mềm BIDV SCF trong 3 tháng
BIDV SMEasy
5. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
Kết quả thu hộ được hệ thống BIDV tự
động truyền trực tiếp vào hệ thống ERP

Kết quả thu hộ được hệ thống BIDV tự

động truyền trực tiếp vào hệ thống
Kết quả thu hộ được hệ thống BIDV ERP
tự động truyền trực tiếp vào hệ
thống ERP
5. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer
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Auto funds transfer
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Auto funds transfer
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Auto funds transfer

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5. LUỒNG ĐIỆN CTQT ĐẾN QUA SWIFT
Auto funds transfer

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Auto funds transfer

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 Đăng bài trên Facebook + lời bình
Tag 03 người bạn + hashtag
#21ngaysongxanh #tetamchonguoingheo2023 #bidv #tênđơnvị
Cách thức
tham gia 3
bước 1 2 3

Follow Fanpage BIDV

Kêu gọi tương tác trên bài đăng dự thi
(reaction + bình luận)
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 JANUARY FEBRUARY MARCH APRIL MAY JUNE

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JANUARY FEBRUARY MARCH APRIL

PHASE 1

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