tuyen tap de thi van vao ngan hang - demo

5/28/2018 Tuyen Tap de Thi Van Vao Ngan Hang - Demo

1/57

1

MC LC

LI NI U ............................................................................................................................ 3

BNG TVIT TT V THUT NGCHUYN NGNH ................................................ 4

PHN 1TRC NGHIM....................................................................................................... 7

CHNG 1: TRC NGHIM NGHIP VTN DNG ................................................................ .....7

A - Kin thc vLut..................................................................................................................7

B - Kin thc Nghip v..............................................................................................................8

CHNG 2: TRC NGHIM NGHIP VKTON NGN HNG .......................... .....................9

CHNG 3: TRC NGHIM NGHIP VTHANH TON QUC T............... ......................... ... 10

CHNG 4: TRC NGHIM HIU BIT CHUNG ........................ .......................... ........................ 11

PHN 2CU HI TLUN .............................................................................................. 13

CHNG 1: CU HI NGHIP VTN DNG .......... ................................... .............................. ... 13

CHNG 2: CU HI NGHIP VKTON NGN HNG ..... .......................... ........................ 13

PHN 3BI TP ................................................................................................................. 15

CHNG 1: BI TP NGHIP VTN DNG .................... ................................... ........................ 15

CHNG 2: BI TP NGHIP VKTON NGN HNG.................... .......................... ........... 17

PHN 4IQ v GMAT ........................................................................................................... 20

I) GMAT (Graduate Management Admission Test) ........................... .......................... ................... 20

II) IQ (Intelligent Quotient)...................... ......................... .......................... ......................... ............ 22

PHN 5TING ANH ........................................................................................................... 24

PHN 6TIN HC ................................................................................................................ 30

PHN P N........................................................................................................................ 31

P N PHN 1TRC NGHIM................................................................................................... 31

CHNG 1: TRC NGHIM NGHIP VTN DNG ............................................................ 31

A - Kin thc vLut................................................................................................................ 31


2/57

TUYN TP THI VO CC NGN HNG PHN 1TRC NGHIM

2

B - Kin thc Nghip v............................................................................................................ 32

CHNG 2: TRC NGHIM NGHIP VKTON NGN HNG ..................................... 33

CHNG 3: TRC NGHIM NGHIP VTHANH TON QUC T........................ ........... 35

CHNG 4: TRC NGHIM HIU BIT CHUNG ............................. ......................... ........... 36

P N PHN 2CU HI TLUN ..... .............................. .............................. ......................... 38

CHNG 1: CU HI NGHIP VTN DNG .......... ......................... .................................. 38

CHNG 2: CU HI NGHIP VKTON NGN HNG ....................... ........................ 39

P N PHN 3BI TP ......................... ......................... .......................... .......................... ....... 42

CHNG 1: BI TP NGHIP VTN DNG .................... ......................... ......................... 42

CHNG 2: BI TP NGHIP VKTON NGN HNG ........................ .......................... .

P N PHN 4IQ V GMAT ......................... .......................... ......................... ......................... 47

I) GMAT....................... .......................... .......................... ......................... ........................... .. 47

II) IQ........................................................................................................................................ 48

P N PHN 5TING ANH ................................... ................................... .............................. ... 50

P N PHN 6TIN HC ........................ ......................... .......................... .......................... ....... 52

PHLC SCH..........................................................................................................................

PHLC 1: CC K HIU TON HC V N VO LNG.. Error! Bookmark not defined.

PHLC 2: BNG CN I KTON CA DOANH NGHIP (Q 48/2009/BTC).......................

PHLC 3: BNG KT QUKINH DOANH CA DOANH NGHIP (Q 48/2009/BTC)..............

PHLC 4: BO CAO LU CHUYN TIN TPP TRC TIP (Q 48/2009/BTC)....................

PHLC 5: BO CO LU CHUYN TIN TPP GIN TIP (Q 48/2009/BTC).....................

TI LIU THAM KHO ........................................................................................................ 53


3/57

3

LI NI U

Chc hn rng c rt nhiu bn tng hoc ang thi tuyn vo ngn hng tm chomnh mt cng vic vi mc lngcao, mt cng vic nng ng, mt mi trng chuyn nghip

hay ch th sc mnh. Nhng c nhng ngi thnh cng v cng c nhng ngi chathnh cng. iu ny rt dhiu bi nhn su vo cho lnh vc ngn hng ngy mt ng onn c hi chdnh cho st nhng ngi c lng kin tr v scgng.

Ngay t thi sinh vin, vic tm ti liu sch bo lin quan n chuyn ngnh ti chnhngn hng l mt iu kh khni vi ti. Spht trin ca cng nghthng tin v schia ssu rng thng tin ti chnh ngn hng ngy cng c mra dn khc phc nhng kh khntrc kia. Mc d rt bn vi cng vic nhng mi ngy ti u dnh ra mt cht thi gian tmti v vit sch, mt cun sch m ban u ti chngh n gin ti vit cho chnh mnh, chonhng iu ti cha bit v tm hoi khng thy.

C mi ngy mt vi trang, cun sch dn hon thnh v ti ngh c th c nhngngi khc ngoi ti cn n n. Cun sch c ta TUYN TP THI VO CC NGNHNG c tng hp thng trm thi m ti c, lm. iu c bit hn c trongcun sch l a scc cu hi u c gii p cth, bt ngun tnhng tri nghim ca ti,nhng li gii m ti cho l ngn gn v xc tch nht.

Ni dung ca cun sch c chia thnh 6 phn, cng ging nh khi bn thi phn thi vitti cc ngn hng, gm c:

Phn 1Trc nghimPhn 2Cu hi tlun

Phn 3Bi tp

Phn 4IQ v GMATPhn 5Ting Anh

Phn 6Tin hc

trong mi phn ca cun sch, ti u phn cu hi theo tng nghip vchuyn mn,gm c: Nghip vtn dng, nghip vkton, nghip vthanh ton quc t... Cthnh phnMc lc ca cun sch ny.

Phn cu hi lin quan n Nghip v tn dng l nhiu hn cnn c ti c thhathnh 2 mc ln l AKin thc vLut v BKin thc Nghip v.

Cun sch TUYN TP THI VO CC NGN HNG c vit trong thi gianngn, bi lng nhn s t i, v cng l cun sch u tin ca ti nn khng trnh khinhng sai st. Mi kin ng gp v phn hi xin cc bn hy gi mail vcho ti theo a ch:[email protected]

Trn trng!
mailto:[email protected]:[email protected]:[email protected]


4/57


4

BNG TVIT TT V THUT NGCHUYN NGNH

ABng tvit tt

T Din gii T Din giiBCTC Bo co ti chnh LNTT Li nhun trc thu

BH Bo him LP Lm pht

BTT Bao thanh ton LS Li sut

CBTD Cn btn dng LSCV Li sut cho vay

CMTND Chng minh th nhn dn NH Ngn hng

CP Chi ph NHNN Ngn hng Nh nc

CSH Chshu NHTM Ngn hng thng mi

CSTT Chnh sch tin t NK Nhp khu

CT Cng ty NVTD Nhn vin tn dng

CTCP Cng ty cphn Q Quyt nh

CTTC Cho thu ti chnh QHKH Quan hkhch hng

DN Doanh nghip SXKD Sn xut kinh doanh

DTBB Dtrbt buc TCTD Tchc tn dng

DTT Doanh thu thun TL Tl

GDV Giao dch vin TG Tng Gim c

G Gim c TGH Tgi hi oi

GTCG Giy tc gi TMCP Thng mi cphn

GTGT Gi trgia tng TNHH Trch nhim hu hn

GVHB Gi vn hng bn TS Ti sn

HKD Hot ng kinh doanh TSL Ti sn lu ng

HQT Hi ng qun tr TSC Ti sn cnh

HTD Hp ng tn dng TSB Ti sn m bo

HMTD Hn mc tn dng TT Thng tKCN Khu cng nghip TTQT Thanh ton quc t

KH Khch hng UBND y ban Nhn dn

KNTT Khnng thanh ton VL Vn lu ng

LHQ Lin Hip Quc VLR Vn lu ng rng

LNST Li nhun sau thu XK Xut khu


5/57


5

BThut ngchuyn ngnh

Thut ng Din gii

ADB Asian Development Bank:Ngn hng Pht trin Chu

ASEANAssociation of Southeast Asia Nations: Hip hi cc quc gia ngNam

ATM Automated Teller Machine:My c thtng

CAMELCapitalAdequacyManagementEarningsLiquidity: Chtiu5C trong nh gi hot ng ca cc ngn hng

B/E Bill of Exchange:Hi phiu

B/L Bill of Lading:Vn n ng bin

CIC Credit Information Center: Trung tm Thng tin Tn dng

CPI Consumer Price Index: Chsgi tiu dng

C/O Certificate of Origin:Chng nhn ngun gc xut x

D/A Document Against Acceptance:Th tn dng chng tchchp nhn

DDU Delivered Duty Unpaid: Giao cha np thu

D/P Document Against Payment:Th tn dng chng tchthanh ton

DUSD Demand for Dollar: Cu la M

DVND Demand for Vietnam dong: Cu Vit Nam ng

FV Future Value: Gi trtng lai

GDP Gross Domestic Product: Tng gi trsn phm quc ni

GNP Gross National Product: Tng gi trsn phm quc dn

PV Present Value: Gi trhin ti

MB Money Basic: Lng tin c s

mm Money Multiplier: Snhn tin t

MS Money Supply: Cung tin t

NCF Net Cash Flow:Dng ngn lu rng (Dng tin thun)

NPV Net Present Value:Gi trhin ti rng (Hin gi rng)

INCOTERMS International Commerce Terms: Cc iu khon thng mi quc t


6/57


6

IRRInternal Rate of Return:Tsut hon vn ni b(Tsut sinh li nib)

ISBPInternational Standard Banking Practice:Tp qun ngn hng Tiu

chun Quc tvkim tra chng tPI Profitability index:

PP Payback Period:Thi gian hon vn

Rd Require Reserve Rate (RRR): Tldtrbt buc

Re External Rate:Tldtrd tha

ROA Return on Assets:Li nhun trn Tng ti sn

ROE Return on Equity:Li nhun trn Vn chshu

ROI Return on Investments:Li nhun trn Tng vn u tROS Return on Sales:Li nhun trn Tng doanh thu

SUSD Supply for Dollar:Cung la M

SVND Supply for Vietnam dong:Cung Vit Nam ng

UCPUniform Customs and Practice for Documentary Credits: Quy tcthc hnh thng nht vTn dng chng t(VD: UCP 500, UCP 600)

URCUniform Rules for Collection: Quy tc thng nht v nh thu (VD:URC 522)

VAT Value Added Tax: Thugi trgia tng

WACC Weighted Average Cost of Capital:Chi ph sdng vn bnh qun

WTO World Trade Organization: Tchc Thng mi Thgii


7/57


7

PHN 1TRC NGHIM

phn u tin ny c tng cng 4 chng.Chng1: Trc nghim nghip vtn dngc 400cu hi trc nghim. c phn thnh 2 lnh vc kin thc chnh: Kin thc vLut (170 cuhi) v Kin thc Nghip v (230 cu hi). Chng2: Trc nghim nghip vKton ngnhng c 40 cu hi. Chng3: Trc nghim nghip vThanh ton quc tc 55 cu hi. VPhn cui cngChng4: Trc nghim hiu bit chung c 45 cu hi. Mi cu hi chcchn 1 p n ng duy nht.

Thng thng vi mi cu hi trc nghim bn c khong 60 giy chn p n. Bn hy sdng t hn s thi gian cho php ny x l nhanh cc cu hi phn trc nghim; trnh btrng cu hi no v dnh nhiu thi gian hon thnh cc phn khc ca bi thi.

CHNG1: TRC NGHIM NGHIP VTN DNG

A - Kin thc vLut

1. Vn phng i din ca Cng ty nc ngoi c c thay mt Cng ty k kt cc hp ngkhng?

a) c phpb) Khng c phpc) c php nu c y quynd) Khng c php trong mi trng hp

2. Nu n hn trli tin vay m khch hng khng trng hn v khng c TCTDchp nhn iu chnh khn trnli v khng gia hn li th TCTD phi xl thno?

a) Chuyn ton bd ngc v li sang nqu hnb) Chuyn ton bd ngc sang nqu hnc) Chuyn ton bnli sang nqu hn

3. Trnghp khch hng khng trht ngc ng thi hn tha thun trong HTD v cvn bn nghcho iu chnh hn trnth TCTD c xem xt gia hn ni vi cho vay

ngn hn nh sau:

a) Bng 1 chu kSXKDb) Bng thi hn cho vayc) Ti a 12 thng


8/57


8

d) Ti a bng 1 chu kSXKD nhng khng qu 12 thng4. Gia hn nvay c hiu l:

a) TCTD v Khch hng tha thun vvic thay i cc khn ngc tha thun trc trong HTD

b) TCTD v Khch hng tha thun vvic thay i cc khn ngc hoc li tha thuntrc trong HTD

c) TCTD v Khch hng tha thun v vic thay i cc k hn n li tha thun trc trong HTD

d) C3 cu u sai5. Thc hin kim tra gim st qu trnh vay vn, sdng vn vay v trnca khch hng l:

a) Quyn ca TCTDb) Trch nhim ca TCTDc) Ca v b

B - Kin thc Nghip v

6. Nguyn tc gii ngn khi cho vay l?a) Ph hp vi i tng cho vay v mc ch sdng vnb) Ph hp vi i tng sdng vn v thanh ton trc tip cho ngi hngc) Ph hp vi i tng cho vay, tin sdng vn v phng thc thanh tond) C3 cu trn u ng

7. Doanh nghip c nhu cu bo lnh dthu, doanh nghip sn sng k qu100%. Ngn hngc cn xem xt khnng ti chnh ca doanh nghip khng?

a) Cb) Khng


9/57


9

8. Khon mc no khng c dng lm ti sn m bo cho ngha v tr n cakhch hng khi vayvn:

a) Hng ha trong khob) Cphiu do ngi vay pht hnhc) Cphiu cng ty do ngi nm gid) Uy tn ca ngi i vay

9. Mt doanh nghip pht hnh cphiu tng vn tham gia d n u t, vn huy ngbng tin mt c chuyn ngay cho cng ty lin kt gp vn thc hin dn. Theo anh (ch)

vic huy ng vn trn slm cho hsthanh ton ngn hn ca doanh nghip

a) Tngb) Gim

c) Khng thay id) Ca, b, c u sai

10. Hot ng no di y l bin php nhm tit kim chi ph trli cho NHa) Tng cng chi ph trli trungdi hn thay v chi ph trli ngn hnb) a dng cc hnh thc huy ng vnc) Tng lng tin c bo him bng tin gid) Pht hnh tri phiu

----------------------

CHNG2: TRC NGHIM NGHIP VKTON NGN HNG

1. Trong trng hp no c cp Sc trnga) Mti khon khng bcm sdng Scb) Mti khon ti ngn hng khcc) C quan hvi cn btn dng Ngn hng i d)

Khch hng vng lai

2. Thi hn xut trnh Sc ti a bao nhiu ngy ktngy k pht?a) 5 ngyb) 15 ngy

c) 30 ngyd) 45 ngy


10/57


10

3. Mt khch hng pht hnh nhiu tsc cc thi im khc nhau. Khi c nhiu tsc cakhch hng c em n ngn hng cng 1 thi im, nhng sd ti khon ca

khch hng khng thanh ton ht ssc . Vy thc tu tin thanh ton cho cc

tsc l nh thno?

a) Thanh ton cho tsc c k trcb) Thanh ton cho tsc c em n ngn hng sm hnc) Ngn hng slin hngi chi trtrn Sc xc minhd) Yu cu khch hng np thm tin vo ti khon

4. Trong trng hp stin bng chv stin bng strn tSc khc nhau th stin cthanh ton sl:

a) Stin bng chb) Stin bng sc) Stin c gi trnhhnd) Yu cu khch hng vit li Sc

5. Sc c thc chuyn nhng bao nhiu ln:a) 1b) 2

c) 3d) Nhiu ln

----------------------

CHNG3: TRC NGHIM NGHIP VTHANH TON QUC T

1. Trong cc iu kin giao hng no di y, ri ro vhng ha thuc vngi mua khihng c giao qua lan can tu:

a)

FOBb) CIF c)

CFR

d) Ca, b v c2. Trong giao dch thng mi quc t, ngi mua bo him ri ro cho hng ha l:

a) Ngi mua hng, ngi nhp khub) Ngi bn hng, ngi xut khuc) Ngn hng ngi xut khu


11/57


11

d) Ty tng trng hp cth3. Mt L/C c nhng thng tin sau:

Date of issue: 3-8-2010

Period of presentation: 21-10-2010

Expiry date: 3-11-2010

Ngy L/C c hiu lc l ktngy no?

a) 3-8-2010b) 21-10-2010

c) 3-11-2010d) T3-8-2010 n 3-11-2010

4. i vi L/C pht hnh bng vn vay, ti sn m bo bng chnh l hng nhp khu,thi im cn btn dng xut trnh khc nhn ncho giao dch TTQT l:

a) Trc khi k hu vn n v bn giao bchng thng nhpb) Trc khi k bo lnh nhn hngc) Trc khi k y quyn nhn hngd) Cba phng n trn u ng

5. Theo UCP 600 ca ICC, trong chng tbo him nu khng quy nh r stin cbo him th stin bo him ti thiu phi l bao nhiu

a) 100% gi CIFb)

110% gi CIF

c) 110% gi FOBd)

100% gi trha n

----------------------

CHNG4: TRC NGHIM HIU BIT CHUNG

1. AESAN c bao nhiu thnh vin? (8, 9, 10, 11 hay 12)a) 8b) 9

c) 10d) 11

e) 12

2. Nhng phm cht cn c ca mt nhn vin ngn hnga) Slnh nghb) To lng tin cho khch hngc) Thi n cn


12/57


12

d) Tt ccc trn3. Tng b th Ban Chp hnh Trung ng ng Kha XI l ai:

a) Nng c Mnhb) Nguyn Ph Trng

c) Nguyn Tn Dngd) Khng p n no ng

4. Cuc khng hong nti EU nm 2010 bt u tnc no:a) Hy Lpb) Ailen

c) Bo Nhad) Ty Ban Nha

5. Cha ca L thuyt Marketing hin i l:a) Michael Porterb) Phillip Kotler

c) Laura Riesd) Al Riea


13/57

TUYN TP THI VO CC NGN HNG PHN 2CU HI TLUN

13

PHN 2 CU HI T LUN

Phn 2Cu hi tlunc tng cng 67 cu hi, chia lm 2 phn chnh: Chng1Cu

hi nghip vtn dng(55 cu hi) vChng2Cu hi nghip vkton ngn hng(12cu hi). Yu cu ca phn cu hi tlun l gii thch ngn gn v .

CHNG1: CU HI NGHIP VTN DNG

1. Theo bn, c cu li thi hn n l lm th no? c im? Theo Quy nh 666 Q666/N-CP ca Agribank th thtc c cu li ngm nhng bc no?

2. Trnh by nguyn tc chit khu, ti chit khu giy tc gi ca NH NNo Vit Nam i vikhch hng? iu kin giy tc gi c nhn chit khu, ti chit khu ?

3. Trong phn tch ti chnh c quan im cho rng doanh thu ca doanh nghip cng ln th nvay ca Ngn hng cng c hon try v ng hn, kin ca bn?

4. Mt doanh nghip ang quan htn dng ti Ngn hng, ti thi im cui nm 2008 bo coti chnh ca khch hng cho thy c smt cn i vn (dng mt phn ngun vn ngnhn u t vo ti sn cnh). Doanh nghip vn c nhu cu tip tc vay vn lu ngkinh doanh. Cn btn dng c kin: Ngn hng nn dng cho vay. kin ca bn?

----------------------

CHNG2: CU HI NGHIP VKTON NGN HNG

1. Kton ngn hng l g? i tng nghin cu ca kton ngn hng?2.

Nu khi nim ca chng t k ton ngn hng? Phn loi?

3. Bn c nhn xt g vcu ni: Khch hng l thng . Hy cho bit quy nh mi vkhch hng trong thtrng cnh tranh hin nay.

4. Mt khch hng ln tui rt giu c n ngn hng rt tin chun bcho chuyn du lch xaa) GDV1: n cn thc hin giao dch cho khch hngb) GDV2: n cn hi thm, v t vn mt vi tin ch m bo an ton cho vic i xa.


14/57

TUYN TP THI VO CC NGN HNG PHN 2CU HI TLUN

14

Nhn xt 2 trng hp trn, nu l bn bn slm thno?


15/57

TUYN TP THI VO CC NGN HNG PHN 3BI TP

15

PHN 3 BI TP

Phn 3Bi tpgm c 25 bi tp nghip vtn dng v 15 bi tp nghip vkton ngn hng. Phn

1 c 15 bi tp c gii p (bao gm y nhng dng hay gp nht khi thi nghip vtn dng),phn 2 c 5 bi tp c gii. Phn bi tp cha c li gii sc cp nht trong cc n phm tiptheo.

CHNG1: BI TP NGHIP VTN DNG

Bi 1: (thi tn dng Agribank khu vc min Bc 24/10/2010 l)Cng ty A hot ng trong lnh vc thng mi, chuyn mua bn cc sn phm l Thit b

in ttin hc. Cng ty np giy nghxin vay ln NH nghvay 2 tphc vcho hot ng

SXKD. Cng ty gi ln cho NH bo co ti chnh vi cc sliu sau:

Bng cn i kton (n v: tng)

Chtiu u nm Cui nm Chtiu u nm Cui nmNgn qu 8 6 Nngn hn NH 5 8,4Phi thu 17 18 Phi tr 22 20Hng tn kho 2 3,5 Vn & cc qu 1,2 1,29TSL khc 1 2TS cnh 0,2 0,19Tng TS 28,2 29,69 Tng ngun vn 28,2 29,69

Bo co KQ HKD (n v: tng)

Chtiu u nm Cui nmDoanh thu thun 44,3 63Gi vn hng bn 41 60Chi ph 1,2 0,68LN trc thu 2,1 2,32Thu 0,3 0,36LN sau thu 1,8 1,96

Yu cu:Da trn bng cn i kton v bo co KQ HKD hy phn tch cc chsnhgi tnh hnh ca cng ty, phc vcho vic ra quyt nh tn dng.

Bi 2: (thi tn dng Agribank khu vc min Bc24/10/2010chn)Ngn hng A ang xem xt mt dn sau:

1) Tng vn u t ban u ca dn: 200 triu,trong u t ti sn cnh 180 triu,ti sn lu ng 20 triu


16/57


16

2) D tnh vay ngn hng 80 triumua sm my mc, gc vay sc hon trutrong 4 nm, bt u vo cui nm th1, li sut cnh 10%/nm

3) Dn dtnh ko di trong 5 nm, to doanh thu tnm th14) Doanh thu c tnh trung bnh hng nm l 90 triu, chi ph nguyn nhin vt liu, tin

cng, qun l... (cha kkhu hao v trli khon vay)l 20 triuhng nm

5) Khu hao ti sn theo phng php trung bnh6) Thuthu nhp : 30%Thu nhp trc thu7) Gi trthanh l ca cc ti sn khi dn kt thc coi nh bng 0Yu cu:Ngn hng c nn cho vay khng nu da vo ch tiu NPV ? Bit rng NH s

dng li sut cho vay lm li sut chit khu.

Bi 3: (thi tn dng MB5/2009)Hy tnh VAT theo phng php khu trcho Doanh nghip sn xut sn phm vi thng tinnh sau(n v: 1000 ng):

ChtiuStin

( c VAT)Stin

(Cha c VAT)ThusutthuVAT

ThuVATu ra

1. Doanh thu 132.000 120.000 10% 12.0002. Chi ph 110.900 110.900+ Khu hao 27.000 27.000+ Nhn cng 15.000 15.000

+ Chi ph XXX 49.500 45.000 10%+ Chi ph YYY 8.800 8.000 10%

+ Chi ph khc 10.600 0 0%

Bi 4: (thi tn dng MB5/2009)Cng ty A c nhu cu vay vn nhp khu 1 xe trn b tng, gi trhp ng ngoi nhp khu

l 100.000 USD.

Phng thc thanh ton theo Hp ng ngoi l 10% thanh ton TTr (chuyn tin) ngay khik hp ng 90% cn li thanh ton bng LC trngay khi bchng tv.

Khch hng dng vn tc thanh ton 10% ban u, chi ph thng quan 2%, chi ph thukho bi vn chuyn 5%, chi ph bo him 1,2%, chi ph khc 2%, thunhp khu 5%, thuVAT10%, chi ph thanh ton quc tv li dkin l 5% trn gi trhp ng ngoi nhp khu


17/57


17

Hy xc nh nhu cu vn c thti trca phng n ny? Theo quy nh Ngn hng Quni c php ti trti a 80% nhu cu vn c thti tr, vy khch hng bthm vn tc lbao nhiu?

Bi 5:Cng ty lp my Lilama 3.0 c nhu cu vay vn tng ln thc hin hp ng k vi Cng

ty X, nhn lp t mt trm bin p. Tng gi tr ca hp ng l 7.820 triu ng; thi gian thchin hp ng t 12/4/2010 n 12/8/2010. Cng ty X ng trc cho Lilama 3.0 s tin l 1.500triu ng, s tin cn li s thanh ton trong thi hn 30 ngy sau khicng trnh bn giao.

Trong thng 4/2010, cng ty Lilama 3.0 c xut trnh mt hp ng k mua my binp v cc thit b in lnh tr gi 6.500 triu ng, phi thanh ton tin ngay trong thng.

Bit rng:

Ngun thanh ton ca hp ng gia Lilama3.0 v Cng ty X l chc chn Li sut vay hin hnh: 1,2%/thng Vn t c tham gia phng n: 800 triu ng Tng chi ph cho vic vn chuyn v lp t thit b: 550 triu ng

Yu cu:

1) Hy cho bit liu ngn hng c nn cho vay vi Lilama 3.0 hay khng? V sao?2) Xc nh mc cho vay v thi hn vay ti a nu cho vay?

----------------------------

CHNG2: BI TP NGHIP VKTON NGN HNG

Bi 1:Tnh hnh sd ti khon tin gi ca mt Siu thX ti ngn hng trong thng 8/2010 nh sau:

Ngy 25/7 d c: 150.000.000 ng Ngy 11/8 d c: 180.000.000 ng Ngy 17/8 d c: 220.000.000 ng


18/57


18

Ngy 22/8 d c: 238.000.000 ng Ngy 25/8 d c: 260.000.000 ng

Yu cu:Hy tnh v hch ton li tin gi thng 8 trn ti khon ca Siu thX.

Bit rng:Ngn hng quy nh ngy tnh li hng thng vo ngy 25; Li tin gi thanh ton l

4,8%/nm.

Bi 2:Ngy 11/10/200X ti Ngn hng Cng thng Ba nh c cc nghip vpht sinh nh sau:

1. Cng ty Cphn Hong Dng np vo ngn hng giy np tin mt v 100 triu ngtin mt vo ti khon tin gi thanh ton m. Thqukim m v thu stin.

2. Cng ty TNHH Hng Pht np vo ngn hng giy np tin mt v 60 triu ng tinmt. Thqukim m thy chc 59 triu ng.

3. Ngn hng np tin vo Ngn hng Nh nc stin 80 triu ng, trong ngy nhnc bo c.

4. Cui ngy kim qu, tha 100.000 ng.Yu cu:Anh (ch) hy xl v hch ton cc nghip vpht sinh trn.

Bi 3:Ngy 3/6/200X ti Ngn hng u t v Pht trin c cc nghip vnh sau:

1. Ngn hng mua mt ti sn vcho thu ti chnh theo hp ng k vi cng ty X,gi trti sn 5.000 triu ng, thanh ton bng chuyn khon cho Cng ty Y c ti khonti Ngn hng Nng nghip v PT Nng Thn Vit Nam

2. Cng ngy, ngn hng hon tt thtc xut ti sn trn cho khch hng thu3. Ngn hng giao cho Cng ty Z thu ti chnh, gi trti sn theo hp ng thu l 2.200

triu ng, nguyn gi mua vca ti sn l 2.000 triu ng

4. Hp ng cho thu ti chnh i vi Cng ty ABC n hn, bit sd cn li trn tikhon cho thu ti chnh i vi cng ty l 100 triu ng, sd ca ti khon li dthul 5 triu ng. Cng ty thanh ton nt stin thu t cui cng l 38 triu ng (gc l30 triu ng, li thu l 8 triu ng). Theo tha thun trong hp ng, Cng ty ABCphi tr li ti sn c ngn hng. Gi trcn li ca ti sn theo nh cam kt ca khchhng vi ngn hng l 60 triu ng, tuy nhin ngn hng nh gi l i gi trti sn chcn 50 triu ng; Ngn hng yu cu khch hng phi bi thng phn chnh lch


19/57


19

gia gi trti sn cn li v gi trti sn c bn thu m bo thanh ton. Khchhng thc hin trch ti khon tin gi ca mnh thanh ton khon bi thng.

Yu cu:Hy hch ton cc nghip vkinh tpht sinh v gii thch cc trng hp cn thit.

Bi 4:Khch hng N c mt khon tin 100 triu ng nhn ri v ang bn khon trong vic la chncc sn phm tin gi tit kim sau:

a) Tit kim 12 thng tr li sau, li sut 9%/nmb) Tit kim 6 thng tr li sau li nhp gc, li sut 8,86%/nmc) Tit kim 3 thng tr li sau li nhp gc, li sut 8,74%/nm

Cc mc li suttrn s c duy tr n nh trong 12 thng, bn hy chn sn phm c li nhtcho khch hng. Hy gii thch ngn gn.

Bi 5:Mt khon vay 100 triu ng, k hn 3 thng t 15/1/2009 n 15/4/2009, li sut 10 ,5%/ nm(Tnh theo 360 ngy)thu vo cui k. Tr gc phn k vo 30/1 ; 15/2; 01/3; mi ln l 20 triung, s cn li tr vo nt vo ngy o hn. Tnh li phi thu ca khch hng vo ngy15/4/2009. (Khch hng tr ng k hn)


20/57

TUYN TP THI VO CC NGN HNG PHN 4IQ V GMAT

20

PHN 4 IQ v GMAT

I) GMAT (Graduate Management Admission Test)GMAT lmt bi kim tra nh gi tiu chun u vo bng ting Anh ca cc sinh vin xin hc ccchng trnh hc MBA hay cc chng trnh hc i hc khc. Ngy nay Vit Nam, GMAT cng cp dng nhiu lnh vc i hi nhn sc t duy cao trong c lnh vc ngn hng.

GMAT gm c 3 phn chnh:

(1) nh gi vit phn tch (AWA Analyti cal Wr it ing Assesment)(2) Phn nh lng (GMAT Quantitative Section)(3) Phn vn p

(GMAT Verbal Section)

GMAT khng phi l bi thi kim tra trnh ting Anh nh TOEFL, IELTS hay bi thi kim tra trthng minh m GMAT l bi kim tra khnng phn tch c suy lun trong cc chvnh lng vvn p.

t im cao, cc th sinh phi nm r c cu trc, chdn v hiu c ca ngi ra thi; iuny ch c c nu bn rt thng minh hoc chm ch thc hnh v lm nhiu cc dng bi tpGMAT vn rt sn c trn mng Internet.

Mi bi GMAT u c p lc vthi gian lm bi (th sinh c thi gian t hn 2 pht cho mi cu hi), vthth sinh phi sdng nhng chin lc gii quyt cc cu hi mt cch linh hot tit kim thi gian

v sc lc.

Trong cc thi vo ngn hng, phn thi GMAT chyu l cc bi ton nh tnh. Ty vo yu cu canh tuyn dng m bi GMAT c thl ting Anh hoc ting Vit. Trong gii hn ca cun sch ny, tixin cp n 51 dng bi ton GMAT hay gp trong cc thi trong cc nm va qua.

1. Mt ttp ch gim gi 30%. Hi phi tng li bao nhiu % c gi nh c?2. Tlqun l v cng nhn l 5/72 thm 8 cng nhn l 5/74. Hi c bao nhiu qun l?3. Bit rng 1/2 ca st in trong mt qutn thc c u t vo cphiu, 1/4 c u t vo tri

phiu, v 1/5 c u t vo cc qutng h, cn li $10.000 u t vo cng tri chnh ph. Hi

tng stin ca qutn thc l bao nhiu ?

a) $100.000b) $150.000c) $200.000

d) $500.000e) $2.000.000


21/57

TUYN TP THI VO CC NGN HNG PHN 4IQ V GMAT

21

4. A father is three times as old as his son. After fifteen years the father will be twice as old as his son'sage at that time. Hence the father's present age is:

a) 36b) 42c) 45

d) 48e) None of the above

5. If the value of XYZ Company stock drops from $25 per share to $21 per share, what is the percent ofthe decrease?

a) 4b) 8c) 12d) 16e) 20


22/57

TUYN TP THI VO CC NGN HNG PHN 5TING ANH

22

-------------------------()-------------------------

II)IQ(Intelligent Quotient)Cc cu hi IQ (Intelligence Quotient)cn gi l chsthng minh. Chsny ca mi ngi ni

ln nng lc tr tuca ngi . ChsIQ phn nh sc hiu bit, khnng nhn thc (khnng

theo hc, khnng lm vic bng tr no, khnng tr nh) chkhng phi l vn hiu bit rng

hay hp.

Trong cc thi tuyn vo ngn hng thng c phn thi trc nghim IQ l mt trong 3 phn thuc

vng thi vit. trli cc cu hi IQ bn cn vn dng a dng cc knng t duy hnh nh, con

s. Di y, trong cun sch ny l 150 cu hi IQ vi nhiu cch suy lun khc nhau rt hay c

trong thi tuyn vo ngn hng trong cc nm va qua. Chi tit cch gii cc bn hy xem cui

sch.

1. Mnh ghp no di y trong scc mnh A, B, C, D v E khi ghp vi mnh bn tri sto ramt hnh vung hon chnh?

2. Sno sl stip theo ca chui ssau?0, 1, 2, 4, 6, 9, 12, 16, ?

3. Hnh sau:

Cn thiu 4 chsno? A, B, C, D

4. Hnh no khc vi cc hnh cn li?

A B C D E


23/57


23

5. Mi strong hnh kim tthp di l tng ca hai sngay bn di n. Hy in vo kim tthpscn thiu.

56

7

19

7

28

AB C

D E


24/57


24

PHN 5TING ANH

Phn thi ting Anh vo cc ngn hng TMCP v ngn hng quc doanh Vit Nam chyu lkin thc ting Anh trnh C v t mi l cc thut ng, cm t chuyn ngnh Kinh t,Thng mi, Ti chnh Ngn hng. Phn 5 Ting Anhgm c 142 cu hi chia thnh 9dng bi ting Anh hay gp, tng thi tuyn vo cc ngn hng trong cc nm va qua.

DNG 1: Choose the best answer1. Exchanging goods and services without using money is

a) Barteringb) Borrowingc) Salaryd) None of these

2. When using Net Present Value method to assess a project, that project will beaccepted if

a) NPV equals to initial investmentb) NPV < 0, but the minimum Internal Rate of Return (IRR) equals to deposit interestc) NPV > 0d) All above answers are wrong

3. The benefit of diversifying investment isa) Reducing risk of the set of investment assetsb) Increasing the estimated rate of profit against each assetsc) Reducing risk of each assetd) Increasing the profit rate of the set of assetse) All above answers are wrongf) All above answers are correct

DNG 2: Fill the gapCu 39 n cu 51 trch trong thi ting Anh vo Vietinbank (05/12/2010)

4. She rang to make an early ____ at the hairdressersa) appointment


25/57


25

b) assignmentc) orderd) date

5. One ____ of the public transport is its unreliabilitya) disorderb) dislikec) disappoinmentd) disadvantange

6. I am afraid ____ mentioning it to hima) ofb) inc) atd) to

DNG 3: Complete each sentence with the correct from of the word in brackets7. Example 1

(BENEFIT)

(COMMERCE)(RELATIVE)(VARY)(MANAGE)

The new salary scheme is _______ to all staff.

Ho Chi Minh City is the biggest _______ center in the countryThe risk of investing in durable goods is_______ low.Prices have not shown much _______ this yearGood _______ should be capable of leading as well as managing

DNG 4: Sentence building8. Her expenses / get / higher / everymonth.

.

9. I / rather / stay / home / tonight / go / cinema..

10. Kathy / suggest / her husband / tonight / go / cinema.


26/57


26

DNG 5: Rewrite the following sentences11. Im having a lot of trouble new because I lost my passport last week If I ..

12. It is believed that the man escaped in a stolen carThe man is ..

13. Mike said that: Im quite sure its brokenMike said that ..

DNG 6: Choose ONE suitable word for each sentences from the list below14. Table 1

measurable deteriorate goods money factors

payments decrease production capital economy

resources companies value available risk

1) As they______easily, perishables must be placed on the market as quickly aspossible.

2) Foreign direct investment (FDI) has significantly contributed to the performanceof The _______

3) FDI projects account for 12% of GDP and 35% of industrial _______DNG 7: Reading comprehension (Read the passage below and then do the tasks that

follow)

15. Reading 1It seems easy to say that you are employed if you work for somebody else and you are self -employed if you work for yourself! But life isn't quite so simple. Being self- employed is

not restricted to people who run their own business, in the physical sense of owning propertyand stock and perhaps employing their own staff. A great number of people work from homein a wide range of occupations and many of them are classed as self-employed. Examplesare the hairdresser who has set up shop in one room of the house, the freelance book-keeperwho does the accounts for other small businesses, the woman who holds clothing orTupperware parties, and the artist who takes on freelance work from various publishingcompanies.


27/57


27

People who work on a freelance basic "hire out" their skills to anyone who will pay them. Afreelance photographer, for instance, may either be contracted to do a specific job for anewspaper or may even take photographs of events on the change that he/she can sell them.

The number of people in Britain who are classed as self-employed rose by 52% between 1981and 1991 from 2.2 million to 3.3 million people - and most of them work on their own (i.e.they do not employ other people) in many cases these are people who have been faced withredundancy and who have used their savings or their redundancy payments, or takenadvantages of one of the government schemes to set up on their own

Circle the correct answer

1) Which of the following suggestions is a suitable title for the passage?A. Self - employmentB. The UK employment marketC. Employed or self - employed?D. Types of employment

2) Self-employed personA. has to carry out instructionsB. works for several employersC. is paid a wage or salaryD. is own employer

3) The passage suggestsA. The pattern of employment is not varied in the UKB. If you are in a job, you will have it foreverC. It is standard practice for many people in the UK to leave school and work for

themselves.D. In the UK people can either have the opportunity or the finances to start in business

for themselves

What does each of the following underlined word/phrase refer to?4) "________ and many of them are classed as self-employed." (Paragraph 1)5) "by 52% between 1981 and 1991 from 2.2 million to 3.3 million people - and most ofthem work on their own." (paragraph 3)________

Which words in the passage mean the following?6) jobs _______7) to classify _______8) state of being no longer needed for any available jobs _______


28/57


28

Fill in each blank with ONE suitable word from the passage9) the_______ becomes more popular among mothers of young children as they don't have to

work the standard 8 a.m to 5 p.m a day.10)Self - employed may _______ other people to help them with their business

DNG 8: Writing16. Read this invitation card and write a short description of the Book Fair for a brochure

INVITATION TO 2002 BOOK FAIR

Youth Cultural CentreExhibition of Books in Vietnamese and foreign languages

Free copies of catalogues

Free use of Internet

Publishers from over the country and Oxford University Press

28 February, 2002

17. Write a short essay about The most important thing in life(about 300 words)DNG 9: Translate skill

18. Paragraph oneMeasurements of liquidity should answer the question: Can a company pay its short-termdebts? There are two ratios commonly used to answer this question. Firstly, the currentratio, which measures the current assets against the current abilities. In most cases, ahealthy company would show a ratio above 1, in other words more current assets thancurrent liabilities. Another method of measuring liquidity is so-called quick ratio this isparticularly appropriate in manufacturing industries where stock levels can disguise thecompanys true liquidity. The ratio is calculated in the same way as above but the stocksare deducted from the current assets.

19. Paragraph twoDocumentary letters of credit may be of two types: revocable or irrevocable. A revocablecredit gives no undertaking to the exporter that payment will actually be made or a bill ofexchange accepted because it may be cancelled or amended at any time up to presentationof the documents without the prior knowledge of the exporter. An irrevocable credit does


29/57


29

not suffer from this disadvantage and consequently is almost invariably specified incontracts: under such a credit, the issuing bank gives its irrevocable undertaking to makethe payment if all the terms of the credit are met, and can only amend or cancel the creditwith the consent of all parties.


30/57

TUYN TP THI VO CC NGN HNG PHN 6TIN HC

30

PHN 6 TIN HC

Phn thi Tin hcl phn thi t c trong cc vng thi vit. Nu c th sc 2 hnh thc: Mt ltchc phn thi Tin hc trn my v chm bng phn mm; Hai l tchc thi vit dng trcnghim trn giy (ging nh cc cu hi di y !).

Trong cun sch ny, ti xin tng hp 150 cu hi Trc nghim Tin hc thi vit trn giy haygp nht tng thi tuyn trong cc nm qua. Chi tit p nPhn 6 ny xin mi cc bn xemtrang .

(Trc nghim kin thc tin hc c bn: Windows XP & Office 2003)

1. kt thc vic trnh din trong PowerPoint, ta bm:a) Phm 10 b) Phm ESC c) Phm Enter d) Phm Delete

2. Trong bng tnh Excel, ti A2 c sn gi tr s 25 ; Ti B2 g vo cng thc=SQRT(A2) th nhn c kt qu:

a) 0 b) 5 c) #VALUE! d) #NAME!

3. Trong son thoWord, mun trnh by vn bn dng ct (dng thng thy tn cc trangbo v tp ch), ta thc hin:

a) Insert - Column b) View - Column

c) Format - Column d) Table - Column

4. Cch no dng cn lsang 2 bn?a) Ctrl + L

b) Ctrl + J

c) Ctrl + R

5. Cch no dng in lun ton bvn bn ?a) n Ctrl + P

b) Chn biu tngc) Chn File / Print Previewd) Chn Data / Print


31/57

TUYN TP THI VO CC NGN HNG PHN 1TRC NGHIMKEY

31

PHNP N

P N PHN 1 TRC NGHIMCHNG 1: TRC NGHIM NGHIP V TN DNG

A - Kin thc vLut

1. (a) c phpTrli:Cn ctheo iu 37, Lut Doanh nghip 2005: Vn phng i din ca Cng ty nc

ngoi c php i din thay mt cng ty k kt cc hp ngv li ch hp php ca cng ty

nc sti.

2. (a) Chuyn ton bgc v li sang nqu hn.Tr li:Theo Khon 2 - iu 13 vTrngc v li vn vay ca Q 1627/2001/Q-

NHNNban hnh ngy 31/12/2001:

Khi n khn trngc hoc li, nu khch hng khng trnng hn v khng c iu

chnh khn ngc hoc li hoc khng c gia hn ngc hoc li, th TCTD chuyn ton b

sd nsang nqu hn.

3. (c) Ti a 12 thngTrli:Theo im b - Khon 1 - iu 22 viu chnh khn trngc v li, gia hn tr

ngc v li - Q 1627/2001/Q-NHNNban hnh ngy 31/12/2001:

Trng hp khch hng khng trnht ngc trong thi hn cho vay v c vn bn nghgia

hn n, th tchc tn dng xem xt gia hn n. Thi hn gia hn ni vi cho vay ngn hn ti a

bng 12 thng, i vi cho vay trung hn v di hn ti a bng 1/2 thi hn cho vay thothun

trong hp ng tn dng.

4. (d) C3 cu u saiTrli:Theo Khon 5 - iu 3 vGii thch tng ca Q 1627/2001/Q-NHNNban hnh

ngy 31/12/2001:

Gia hn nvayl vic TCTD chp thun ko di thm mt khong thi gian ngoi thi hn cho

vay thothun trong hp ng tn dng


32/57


32

5. (a) Quyn ca TCTDTrli:Theo im c - Khon 1 - iu 25 vQuyn v ngha vca tchc tn dng ca Q

1627/2001/Q-NHNNban hnh ngy 31/12/2001:

TCTD c quyn: Kim tra, gim st qu trnh vay vn, sdng vn vay v trnca khch hng

B - Kin thc Nghip v

6. (d) C3 cu trn u ngTrli:Nguyn tc gii ngn:Phi gn lin svn ng tin tvi svn ng hng ha hoc

dch vc lin quan, nhm kim tra mc ch sdng vn vay ca khch hng v m bo khnng

thu n. Nhng ng thi cng phi to sthun li, trnh gy phin h cho cng vic sn xut kinh

doanh ca khch hng

7. (a) CTrli:Khon mc k qu100% nm trong yu cu vhs ti sn m bo, khng lin quan n

hs ti chnh. Do , vn cn xem xt khnng ti chnh xc nh xem DN c khnng tr

ngc v li hng khay khng.

8. (b) Cphiu do ngi vay pht hnhTrli:Cphiu l giy tchng nhn nca ngi pht hnh vi cc cng do n khng

l ti sn c ca ngi pht hnhNgn hng chcho vay vi TS m bo m khch hng c

quyn shu, quyn sdng hoc bng uy tn ca bn thba.

9. (c) Khng thay i


33/57


33

Trli:

Vic huy ng vn bng cphiuLm tng ndi hnKhng nh hng n nngnhn

Ton bsvn huy ng bng tin mt c chuyn cho cng ty lin kt thc hin dnTin v tng ng tin ca DN khng i

Vic huy ng vn ny khng lm thay i khnng thanh ton ngn hn ca DN10. (a) Tng cng chi ph trli trungdi hn thay v chi ph trli ngn hn

Trli:

a - Tngcng chi ph trli trungdi hn thay v chi ph trli ngn hn: Do chi ph trli

trungdi hn thng thp hn chi ph trli ngn hn vi cng mt khon vaySgip ngn

hng tit kimchi ph trli

b - a dng cc hnh thc huy ng vn: Gip NH san sri ro v mrng thphn huy ng

Tng chi ph trli trn mi hnh thc huy ng mi.

c - Tng lng tin c bo him bng tin gi: Bo him ri ro cc khon cho vay bng tin

gi l hot ng gip NH m bo thanh khon nhng skhin NH gim i ngun vn ng ra c

thdng u t hoc cho vayHot ng ny nhm gim ri ro trong hot ng cho vay nhng

slm gim li nhun ca NHChi ph trli tng& Tsut LN gim

d - Pht hnh tri phiu: y l knh huy ng vn trungdi hn hiu qu, mc ch l NH

c thm vn dnh cho u t v ti trcho cc khon vay trungdi hnHot ng ny lm

tng chi ph trli (trungdi hn) ca NH

----------------------

CHNG 2: TRC NGHIM NGHIP VKTON NGN HNG

1. (a) Mti khon khng bcm sdng ScTrli:Sc trng l chng tlp sc, c cc tchc cung ng dch vthanh ton in

sn theo mu nhng cha c in y ni dung ca cc yu ttheo quy nh ti khon


34/57


34

1 v khon 2 iu 14 Nghnh ny v cha c hiu lc l mt tsc. Trn c schng t

ny, ngi c cung ng sc trng lp nn tsc trcho ngi c trtin.

Theo iu 12 vCung ng sc trng thuc Nghnh 159/2003/N-CP v/v Cung

ng v sdng sc ban hnh ngy 10/12/2003 th:

1. Cc tchc cung ng sc trng v phm vi cung ng sc trng :

a) Ngn hng Nh nc cung ng sc trng cho cc tchc tn dng v cc tchc khc c

mti khon thanh ton ti Ngn hng Nh nc;

b) Cc ngn hng cung ng sc trng cho cc tchc, c nhn c sdng ti khon thanh

ton k pht sc theo thothun gia hai bn;

c) Cc tchc khc c php lm dch v thanh ton sc cung ng sc trng cho cc t

chc, c nhn c sdng ti khon thanh ton k pht sc theo thothun gia hai

bn.

2. Tchc cung ng sc thothun vi ngi c cung ng sc vcc iu kin v iu

khon sdng sc do mnh cung ng nhng khng c tri php lut.

2. (c) 30 ngy

Trli:Theo Khon 1, iu 28 vThi hn v a im xut trnh sc thuc Nghnh159/2003/N-CP v/v Cung ng v sdng Sc ban hnh ngy 10/12/2003 th Thi hn

xut trnh ca tsc l 30 ngy, ktngy k pht

3. (a) Thanh ton cho tsc c k trcTrli:Trng hp nhiu tsc c pht hnh bi mt chti khon, c np vo ngn

hng cng mt thi im th n vthanh ton xc nh thtthanh ton theo thtssc

pht hnh tnhn ln.

4. (c) Stin c gi trnhhnTrli:Theo iu 19 vStin ghi trn Sc thuc Nghnh 159/N-CP ban hnh ngy

10/12/2003 vQui chpht hnh v sdng sc th:

Stin trn sc phi c ghi cbng sv bng ch. Trong trng hp c sai lch gia

stin ghi bng sv stin ghi bng chth stin c thanh ton l stin nhhn


35/57


35

5. (d) Nhiu lnTr li:Theo iu 21 v Chuyn nhng Sc thuc Nghnh 159/2003/N-CP v/v

Cung ng v sdng Sc ban hnh ngy 10/12/2003 th:

1.Sc ck pht c ghi tn ngictrtin

a) Mttsc ck pht c ghi tn ngictrtinsau cmt ''Trtheo lnhca''-

hocchghi tn ngictrtinm khng c cmttrn, th ngictrtinc th

chuynnhngtsc bngcch ghi tn ngicchuynnhng, ngy, thng chuyn

nhng,k v ghi r htn, achcamnh vo mtsau catsc (sau ygil k hu)

v chuyngiao tsc cho ngicchuynnhng.

b)Ngicchuynnhngtsc ni trn c thchuynnhngtipbngcch k hutngtnhtrn.

c) Ngichuynnhng tsc ni trn c thchmdtvic tip tcchuynnhng sc

bngcch ghi trcchk camnh cmt''Khng tiptcchuynnhng''.

d)Ngicmtsc cchuynnhngbngcch k hul ngithhngnutsc

cchuynnhnglin tcnngi.

2. Tsc ck pht khng ghi tn ngictrtinhocc ghi cmt''Trcho ngi

cmsc'', th ngithhngc thchuynnhngbngcch chuyngiao tsc cho

ngicchuynnhngm khng cnk hu

----------------------

CHNG 3: TRC NGHIM NGHIP VTHANH TON QUC T

1. (d) Ca, b v c2. (d) Ty tng trng hp cth3. (d) T3-8-2010 n 3-11-2010


36/57


36

4. (d) Cba phng n trn u ng5. (b) 110% gi CIF

----------------------

CHNG 4: TRC NGHIM HIU BIT CHUNG

1. (b) 10Trli:Tnh n 31/3/2011, ASEAN (The Association of Southeast Asian NationsHip hi cc

Qucgia ng Nam ) thnh lp t 8/8/1967, ban u c 5 thnh vin, nayc 10 thnh vin gm:Thi Lan, Indonesia, Malaysia, Singapore, Philippines, Brunei Darussalam (1984), Vit Nam (1995),

Lo (1997), Myanma (1997), Campuchia (1999).

2. (d) Tt c cc trnTrli:Ngn hng l mt loi hnh dch v ti chnh v t vn ti chnh cung cp nhng

sn phm mang tnh cht v hnh, kh c th nh lng c bi vybc u tin thu

ht nhng khch hng mi l vic to dng nim tin t nhng c ch, thi ,tc phong

chuyn nghip mi nhn vin ngn hng.Trit l kinh doanh hin i (trch tBusiness Times)c mt cu ni rng: n tng u

tin cng chnh l n tng su sc nht. Cc ngn hng khng ch cnh tranh t dch v,

ph, li sut m cn v vn ha doanh nghip, bi th m ngay t khi gi xe, gp ngi bo

v, bc chn vo ngn hngbn s nhn thy mi mt ngn hng c mt tc phong n

tip khc nhauv to cho bn nhng n tng khc nhau.

3. (a) Nng c Mnh


37/57


37

Nng c Mnhsinh ngy 11/09/1940 ti huyn Na R, tnh

Bc Kn. ng xut thn trong gia nh nng dn, dn tcTy,

tham gia hot ng cch mng nm 1958, hot ng cch

mng nm1958, vo ng ngy5/7/1963.ng gicng vCh tch Quc hi Vit Nam t nm 1992

n nm 2001; l Tng B th Ban Chp hnh Trung ng

ng Cng sn Vit Nam tnm 2001 n nay.

4. (a) Hy LpHy Lp gia nhp khu vc ng tin chung chu u nm

2002, iu ny to nhiu iu kin Hy Lp thu ht vn

t bn ngoi. Thun li ny khin cc quyt nh chi tiuca Chnh ph Hy lp tr nn d di hn bao gi ht.

Olympic Athens 2004 c coi l nh im ca sxa hoa

kinh ph.

Chi ph tng vt cng vi ngun thu tthugim mnh do

suy thoi kinh tton cu bt u a Chnh phnc ny

i mt vi mt cuc khng hong ngn sch. Bt n x hi

xy ra nm 2010 khi Chnh phHy Lp cng bni n

300 teuro cng mt lot bin php tht lng buc bng.

5. (b) Philip KotlerPhilip Kotlersinh ngy 27/05/1931 ti Chicago, Hoa K, l mt gio

s Marketing ni ting thgii, cha ca marketing hin i, mt

trong bn Nh qun tr v i nht mi thi icng vi Peter

Drucker, Fack Welch v Bill Gates (theo bnh chn ca Financial

Times - 2007).
http://vi.wikipedia.org/wiki/T%C3%A0yhttp://vi.wikipedia.org/wiki/5_th%C3%A1ng_7http://vi.wikipedia.org/wiki/5_th%C3%A1ng_7http://vi.wikipedia.org/wiki/T%C3%A0y


38/57

TUYN TP THI VO CC NGN HNG PHN 2CU HI TLUNKEY

38

P NPHN 2 CU HI T LUN

CHNG 1: CU HI NGHIP VTN DNG

1. Trli:Theo Q 127/2005/Q-NHNN ban hnh ngy 03/02/2005 v/v Sa i, bsung mtsiu ca Quy chcho vay ca TCTD i vi khch hngtheo Quyt nh s1627/2001/Q-

NHNN:

C cu li thi hn trn l vic TCTD iu chnh khn trn, gia hn nvay i vi cc

khon nvay ca khch hng theo hai phng thc sau:

a) iu chnh k hn tr n l vic t chc tn dng chp thun thay i k hn tr n gcv/hoc li vn vay trong phm vi thi hn cho vay thothun trc trong hp ng

tn dng, m khn trncui cng khng thay i.

b) Gia hn nvay l vic tchc tn dng chp thun ko di thm mt khong thi gian trngc v/hoc li vn vay, vt qu thi hn cho vay thothun trc trong hp ng

tn dng.

2. Tr li:Nguyn tc chit khu, ti chit khu ca Agribank: an ton, hiu qu, thc hinng quy nh vhn mc kinh doanh v m bo trng thi ngoi tdo Ngn hng Nh nc

quy nh tng thi k

iu kin chit khu, ti chit khu:

Hnh thc chit khu: Chit khu ton bthi gian cn li ca giy tc gi (ti a khng qu 91 ngy) Chit khu c khn (thi hn cn li ca giy tc gi ln hn thi hn giao dch)

Cc loi giy tc gi c chit khu: Tn phiu Ngn hng Nh nc, Tn phiu kho bc,tri phiu kho bc, tri phiu cng trnh trung ng, Tri phiu chnh quyn a phng pht

hnh.

3.

Trli:Quan im ny hon ton SAI, v:Vic hon trnvay khng chphthuc vo doanh thu ca DN m cn phthuc vo

nhiu yu t:

1) Chi ph ca DN: C thdoanh thu ca DN ln nhng cha b p cc khonchi ph (Gi vn hng bn, chi ph bn hng, chi ph qun l, chi ph khc) dn

n Li nhun trc thuto ra khng trli vay ngn hng


39/57


39

2) Chu kngn lu: Chu ktin mt thu chi ca DN khng khp vi ktrgc licho ngn hng cng l nguyn nhn khin khch hng mc d c doanh thu hng

nm cao nhng vn chm trkhi n k, n gin v hcha n hn thu tin theo

hp ng k

3) Thin ch trn ca khch hng: Nhiu khch hng khng tng trgc li mphi i ngn hng nhc nh, cho d khch hng tin trgc li. C thl do

hkhng hoc ctnh i ngn hng bo mi trn.

4) Cc nguyn nhn khch quan: L cc ri ro nh thin tai, ch ha, chnh tr, x hi xy ra bt ng, nh hng n hot ng sn xut kinh doanh ca khch hng.

Cc ri ro ny l khng thlng trc do khnng trnca khch hng chc

thc chng mt cch tng i.

4. Trli:Nn tip tc cho vay:Trong svic ny, nu NH dng cho vay th sngn hng chu thit. Hn na vic v tnh

DN ti trTS cnh ca DN trong bi cha nu r mc v sliu cthnn NVTD cn

lm r vn ny hn trc khi a ra kin ngng cho vay.

Bi nu xt thy DN c v tnh ti tr1 phn nhvn vay nhng tnh hnh kinh doanh v

cng nca KH vi NH vn tt th vn c thxem xt cho DN tip tc vay vn.

Tuy nhin, pha NVTD cn nhc nhDN khng ti phm ln na, ty mc sai phm

m c thbt phi DN phi vit n cam kt vi NH.

----------------------

CHNG 2: CU HI NGHIP VKTON NGN HNG

1. Trli:Kton ngn hng (KTNH): l vic thu thp, tnh ton, ghi chp, phn loi, tnghp cc nghip vkinh tti chnh vhot ng tin t, tn dng v dch vngn hng ch

yu di hnh thc gi trphn nh, kim tra v sot xt ton bhot ng kinh doanh

ca mt n vngn hng; ng thi cung cp thng tin cn thit phc vcng tc qun l,


40/57


40

qun trngn hng tm vi m v v m, cung cp thng tin cho cc c quan ch qun theo

quy n ca php lut.

i tng ca KTNH: l nghin cu vVn v svn ng ca Vn trong qu trnh hot

ng kinh doanh tin t, thanh ton v tn dng trong hthng mt n vngn hng.

Khi nghin cu i tng Vn, KTNH nghin cu v:(1) Ngun vn ch s hu: Gm vn t c ca ngn hng, cc qu, vn gp kinh

doanh, vn u t xy dng c bn v kinh ph snghip, vn thng d thu c t

pht hnh cphiu, vn tch ly thot ng kinh doanh cc nm trc

(2) Ngun vn huy ng: Gm vn tin gi t it kim, vn thu c pht hnh GTCG(kphiu, tri phiu, chng chtin gi ), vn i vayy l ngun vn chimttrng ln trong tng ngun vn ca mt NHTM.

Khi nghin cu svn ng ca Vn, KTNH nghin cu v:(1) Hot ng sdng vn trang tri TSC:nh vic mua sm cc trang thit b,

phn mm, cng clao ng, phng tin lm vic l c st in hnh mi hot

ng ca ngn hng

(2) Hot ng s dng vn kinh doanh: nh cho vay, u t kinh doanh chngkhon, vng bc, ngoi t; gp vn lin doanh lin kt L hot ng chnh,

trc tip mang li li nhun cho ngn hng

2. Chng tkton ngn hng:Trli:

1) Khi nimChng tkton ngn hng l cc bng chng bng giy thoc chng tin tv

nghip vkinh tpht sinh trong hot ng ngn hng xy ra v thc s hon thnh.

Chng t l c shch ton vo ssch kton v l cn cphp l kim tra vic

chp hnh mnh lnh, chnh sch, quy nh, chqun l kinh t, ti chnh cng nh kim

tra, thanh tra, kim ton ti cc ngn hng.


41/57


41

2) Phn loi (Cu trli cho phin bn Demo nn c rt gn)a. Cn cvo trnh tlp chng t

Chng tgc Chng tghi s

b. Cn cvo i tng lp chng t Chng tdo khch hng lp Chng tdo ngn hng lp

c. Cn cvo tc dng ca chng t Chng tmnh lnh Chng tthc hin

d. Cncvo nidung chng t: Bao gm mt sloi chyu Chng ttrong cc nghip vlin quan n ngn qu Chng ttrong cc nghip vtn dng Cc chng tthanh ton khng dng tin mt

e. Cn cvo hnh thi vt cht Chng tgiy Chng tin t

3) Trli:Nhn xt vcu ni Khch hng l thng :Khch hng chnh l nn tng pht trin ca bt kdoanh nghip no. Cu ni Khch

hng l thng khng phi l mt cch ni khoa trng, n gin cu ni mun nhn

mnh tm quan trng ca vic phc vtt khch hng lun l chin lc pht trin lu di

v vng chc ca bt cdoanh nghip no. Ngi ta cng hay ni rng Kh chiu nh

chiu thng , nhu cu ca cc thng rt a dng, hkhng chyu cu vs

lng m cn i hi vcht lng rt kht khe.

Quy nh ca khch hng trong thtrng cnh tranh hin nay l yu cu vcht lng

v slng dch v. Khch hng chn gi nhng ngn hng c dch vtip i, i x


42/57


42

tt, li sut huy ng cao, nhiu phn thng hp dn; ngoi ra, ch mt b hoa hoc tin

nhn chc mng sinh nht cng htrung thnh vi ngn hng nhiu hn. Vi khch

hng vay vn th hch trng quy trnh tn dng, mc li sut cho vay v cc iu khon

quy nh vi ti sn v vn cho vay. Nu ngn hng duyt thun cho vay nhanh chng, li

sut u i, nhiu chnh sch tt vi khch hng giao dch lu nm, chc hn hsl nhng

thng tim nng cho spht trin ca ngn hng. Thng kh chiu nhng nu

nh c c lng tin ca h, cc ngn hng skhng phi lo hkhng trn, khng phi lo

nhc nhng thng v uy tn ca ngn hng chnh l tnhng ci gt u hi lng ca

thng .

3.

Trli:Nhn xt:Bt ckhch hng no n rt tin ti ngn hng, cc GDV u nn n cn hi mc ch rt

tin ca khch hng l g? Sau khi bit r c nhu cu ca h, GDV c tht vn cho h

nhng tin ch m khch hng c thcung cp hoc hi thm thhin squan tm ti

khch hng. Khch hng l ngi ln tui do h rt k tnh, h c bit ch n

nhng tiu tit l c ch, thi ca cc nhn vin ngn hng. Khch hng li l ngi

giu cnn nhn vin ngn hng cng phi tip i nhit tnh v chu o.

Chn theo cch lm ca GDV2

P NPHN 3 BI TP

CHNG1: BI TP NGHIP VTN DNG

Bi 1: Phn tch cc chs1) Chsphn nh khnng thanh ton2) Chsphn nh khnng tng trng3) Chsphn nh khnng hot ng


43/57

TUYN TP THI VO CC NGN HNG PHN 3BI TPKEY

43

4) Mc tchvvn5) Chsphn nh khnng sinh li

Sdng cc cng thc tnh v ginh trn, ta c bng sau:

TT ChtiuNmtrc

Nmnay

nv

Chnh lch

Tuyt i Tng i

1 Chsphn nh khnng thanh ton

Khnng thanh ton ngn hn 1,04 1,04 (ln) 0,00 0%

Khnng thanh ton nhanh 0,96 0,92 (ln) -0,05 -5%

Khnng thanh ton tin mt 0,30 0,21 (ln) -0,09 -29%

2 Chsphn nh khnng tng trng

Tc tng trng ti sn - 5,3 (%) - -

Tc tng trng doanh thu - 44,2 (%) - -Tc tng trng li nhun rng - 8,9 (%) - -

3 Chsphn nh khnng hot ng

Vng quay hng tn kho - 21,8 (vng) - -

Chu khng tn kho - 17 (ngy) - -

Vng quay cc khon phi thu - 3,0 (vng) - -

Chu kcc khon phi thu - 120 (ngy) - -

Vng quay cc khon phi tr - 2,9 (vng) - -

Chu kcc khon phi tr - 126 (ngy) - -

Vng quay vn lu ng - 2,2 (vng) - -Chu kvn lu ng - 164 (ngy) - -

4 Mc tchvvn

Hsn 0,96 0,96 (ln) 0 0%

Hstti tr 0,04 0,04 (ln) 0 0%

Hstti trti sn cnh 6,0 6,8 (ln) 0,8 13%

Vn lu ng thng xuyn 23,0 21,1 (ln) -1,9 -8%

5 Nhm chtiu sinh li

ROE 150,0 151,9 (%) 1,9% -

ROA 6,4 6,6 (%) 0,2% -ROS 4,1 3,1 (%) -1,0% -

PHN TCH NH GI(This is DEMO Version)

Khnng thanh ton

Khnng tng trng


44/57


44

Khnng hot ng

Mc tchvvn

Khnngsinh li

Phn tch ttrng

TNH TON HN MC TN DNG C THCP CHO CNG TY A

TT Ch tiu S liu k tip n v

1 Doanh thu k k hoch 63.000.000.000 VN

2 Gi vn k k hoch 60.000.000.000 VN

3 Chu k hngtn kho 105 Ngy

4 Chu k khon phi thu 120 Ngy

5 Chu k khon phi tr 17 Ngy6 S ngy thiu ht 208 Ngy

7 Vn thiu ht 34.666.666.667 VN

8 Chi ph qun l 680.000.000 VN

9 Chi ph bn hng - VN

10Nhu cud trtinmt ti thiu

198.333.333 VN

11 Ti sn lu ng 29.500.000.000 VN

12 N ngn hn 8.400.000.000 VN

13 Vn lu ng thngxuyn

21.100.000.000 VN

14 Hn mc tn dng 13.765.000.000 VN

Hn mc tn dng c thcp cho Cng ty A l 13,765 tng > 2 tng theo giy nghvay ca Cng ty A.

C thph duyt cho Cng ty A vay 2 tphc vhot ng SXKDKT LUN:

XUT:

Chp thun cho vay cng ty A vay 2 tng phc vhot ng SXKD. Thi hn cho vay ccn cvo chu kcc khon phi thu v cc khon phi trca cng ty.

Li ch thu c tvic cho vay cng ty A c thc:


45/57

TUYN TP THI VO CC NGN HNG PHN 3BI TPKEY

45

Mrng hot ng tn dng ti cc khch hng trong lnh vc thng mi in ttin hc lmt ngnh nghc tim nng pht trin theo nh hng ca Chnh ph;

Mrng quan htn dng vi ccc i tc ca cng ty A. Cc ri ro c thxy ra:

Ri ro gim gi v lc hu vcng nghbi c th ngnh thit bin ttin hc; Ri ro chy n, ha hon, l lt v cc nguyn nhn khch quan khc; Ri ro do gi thnh sn phm gim, nhu cu sn phm gim do cnh tranh.

Bi 2:Cng ty nh vay 80 triu u tvo 1 phn ca 180 triu TSC, gc tru 4 nm,bt u tnm 1. Li 10%/ nmChi ph trgc hng nm = 20 triu

(Li tnh theo s d n gim dn)

K bng tnh NPV (Mi cc bn xem trong Full Version)

Nu dng MS Excel ta tnh c IRR ddng = hm IRR c sn vi c php: = IRR(Vng tTngvn u t TSL ban u cho n Thu nhp rng nm cui cng). Tuy nhin, khi i thi ta bt bucxc nh IRR bngphng phpmli sut chit khu nh sau:

thminh ha cch xc nh IRR

IRR = 10% + (25%10%) x (44,09 / (44,09 + |-9,03|) = 22,45%~ 22%

IRR (%)

B (-9,03; 25)

A (44,09; 10)

10%

-20

NPV

20

40

20%

(NPV = 0; IRR = 22%)

0


46/57


46

(Khong cch gia IRR1& IRR2c chn cng ln (> 5%) th gi trIRR tm c cng khchnh xc. Do , gi trIRR khi tnh ton bng Excel: 21,72% khc vi cch tnh mbngtay: 22,45%. y ta ly xp x= 22%)

Xem xt hiu quca dn:

iu kin cn: Da vo chtiu NPV, do NPV dng > 0Dn khthi u t

iu kin : Xt thm chtiu IRR. Ta thy IRR dn > LS cho vay 10%Dn iukin cho vay

(Cc bi tp cn li sc gii chi tit trong sch)


47/57

TUYN TP THI VO CC NGN HNG PHN 4IQ V GMATKEY

47

P NPHN 4 IQ V GMAT

I) GMAT1. 42,86%

Hng dn: Gi ban u ca tp ch l X, sau khi gim gi 30% gi mi l: 0,7X cmc gi X nh ban u, ttp ch phi tng gi thm: (X 0,7X)/0,7X = 3/7 42,86%

2. 20 qun l & 288 cng nhnHng dn: Gi squn l l a, scng nhn l b. Ta c:

a/b = 5/72 v a/(b+8) = 5/74

a = 5b/72 = 5(b+8)/74

74b = 72b + 576b = 288a = 20

p n: 20 qun l & 288 cng nhn

3. (c) $200.000Hng dn: Gi tng st in ca qul A. Theo bi, stin ca qul: A/2 + A/4 + A/5 +10.000 = 19A/20 + 10.000 = A

10.000 chim 1/20 ca qu. Vy tng stin ca qul A = 200.0004. (c) 45

Dch: Cha c s tui gp 3 ln ngi con. Mi lm nm na, ngi cha s c tui gp hailn tui ngi con. Do tui hin ti ca ngi cha l:

Hng dn: Gi tui ca ngi con l: a

Stui hin ti ca ngi cha l a 2(a + 15) = 3a + 15 a = 153a = 45 = Tui ngi cha

5. (d) 16Dch: Nu gi trc phiu cng ty XYZ gim t25 USD/cp xung mc 21 USD/cp, s phn

trmgim ca cphiu l?

Hng dn: Sphn trm gim ca cphiu cng ty XYZ l (2521)/25 = 16%


48/57


48

-------------------------()-------------------------

II) IQ1. B

Hng dn: Xoay 180omnh ghp v lp ln lt vo cc hnh A, B, C, D, E ta c c kt qunh sau (p n l hnh B):

Cu hi i hi slin tng hnh nh, bn hy cc rng ca tng ng ttrn xung dica hnh cho, so snh di ngn vi cc hnh A, B, C, D, E. Ch rng, khi so snh hnh banu ttrn xung th phi so vi cc hnh A, B, C, D, E tdi ln.

2. 20Hng dn: Hiu ca ssau trstrc (trong dy s) c quy lut l: 11223344

Stip sau 16 l 16 + 4 = 20

3. DHng dn: Cc shng ngang cch nhau: +1, + 2, +3; cc shng dc cch nhau: +3, +2, +1

Theo suy lun ny, ta suy ra c:

Hai sca hng dc th2 l: 2 + 3 = 5; 5+ 2 = 7

Sca hng dc th3 l: 7 + 2 = 9 Sca hng dc th4 l: 12 + 1 = 13

Hnh ph hp nht l hnh D

4. CHng dn: Mi vng trn en (hnh A, B, D, E) u c 3 lin kt vi 3 vng trn trng nhnghnh C chkt ni vi 2 vng trn trng.

5. (103, 47, 28, 12, 16, 12, 2, 5, 9, 3) cc s ln lt ttrn xung, tri sang phi

A B C D E


49/57


49


50/57

TUYN TP THI VO CC NGN HNG PHN 5TING ANHKEY

50

P N PHN 5 TING ANH

DNG 1: Chn p n ng nht1. Dch: Giao dch hng ha v dch vkhng dng tin mt l

a) Giao dch hng i hngb) i vayc) Lngd) Khng p n no ng

Trli: (d) Khng p n no ng

Giao dch v hng ha v dch vkhng dng tin mt khc nhau vbn cht. Giao dchhng i hng c ngha l ly mt hng ny i ly mt hng khc c gi trtng ng

(c sdng trc tip gia ngi mua ngi bn v khng thng qua mt trung gian

no); Dch vkhng dng tin mt l dch vsdng cc cng cthanh ton phi tin mt

ca cc ngn hng nh thanh ton bng th, sc, chuyn khon

2. Dch: Khi sdng phng php gi trhin ti rng nh gi mt dn, dn sc chp thun nu:

a) NPV bng vi svn u t ban ub) NPV < 0, nhng sut sinh li ni b(IRR) ti thiu bng li sut tin gi tit kimc) NPV > 0d) Cc p n trn u sai

Trli: (c) NPV > 0

3. Dch: Li ch ca vic a dng ha danh mc u t l:a)

Gim thiu ri ro ca gidanh mc cc ti sn u t

b) Tng tlli nhun kvng ca mi mt ti sn trong c) Gim thiu ri ro ca mi ti snd) Tng tlli nhun ca giti sn u te) Tt ccc p n trn u saif) Tt ccc p n trn u ng


51/57

TUYN TP THI VO CC NGN HNG PHN 5TING ANHKEY

51

Trli: (a) Gim thiu ri ro ca gidanh mc cc ti sn u t

Ri ro ca tng ti sn u t l khng ththay i c (i din bng hng sBeta ())

do vic a dng ha danh mc u t thnh nhiu TS trong mt gil gim thiu ri

ro ca cgidanh mc u t .

(Li gii cc cu cn li sc trong phin bn Full Veri son ca sch ^ ! )


52/57

TUYN TP THI VO CC NGN HNG PHN 6TIN HCKEY

52

P N PHN 6 TIN HC

(Li gii cc cu cn li sc trong phin bn Full Veri son ca sch ^ ! )


53/57

TUYN TP THI VO CC NGN HNG TI LIU THAM KHO

53

TI LIU THAM KHO

Sch tham kho

1) Gio trnh Nghip vNgn hng Thng Mi, Hc vin Ngn hng.2) Gio trnh Kton Ngn hng, Hc vin Ngn hngTp thcc tc gi: Ths. inh c

Thnh, Ths. Nguyn Hng Yn, Ths. Trnh Hng Hnh, Ths.Nguyn Bo Huyn, Ths.

ng Hng Trm. Ths. Nguyn Minh Phng.

3) Gio trnh Ngn hng Trung ng Chbin: PGS-TS. Nguyn Du, NXB Thng K2005

4) Sch Tn dng v Thm nh Tn dng Ngn hng TS. Nguyn Minh Kiu5) Incorterm 2010Cc iu khon thngmi quc tnm 20106) ISBP 681Tp qun ngn hng v Tiu chun Quc tkim tra chng tthteo L/C7) UCP 500, UCP 600Quy tc thc hnh thng nht vtn dng chng t8) Cc vn bn Lut Kinh t, Lut Doanh nghip, Lut Bo him, Lut Thng mi, Lut

Ngn hng, Lut t ai, Lut Dn s, Lut Cng chng vin

Website tham kho

1)

BTi chnh:www.mof.gov.vn2) y ban chun mc kton quc tIASB:www.iasb.org3) Ngn hng Nh nc Vit Nam:www.sbv.gov.vn4) Thi bo kinh tVit Nam:www.vneconomy.vn5) Bch khoa ton th m:http://vi.wikipedia.org/wiki/6) Trang thng tin ti chnh:www.saga.vn7) Trang tm kim:www.google.com.vn

Ti liu tham kho

1) thi tuyn dng vo Ngn hng Nng Nghip & Pht trin Nng thn Vit Nam(Agribank) cc nm 2009, 2010, 2011

2) thi tuyn dng vo Ngn hng TMCP Si GnH Ni, Chi nhnh Thng Long, Chinhnh Nng cc nm 2008, 2009, 2010, 2011
http://www.mof.gov.vn/http://www.mof.gov.vn/http://www.mof.gov.vn/http://www.iasb.org/http://www.iasb.org/http://www.iasb.org/http://www.sbv.gov.vn/http://www.sbv.gov.vn/http://www.sbv.gov.vn/http://www.vneconomy.vn/http://www.vneconomy.vn/http://www.vneconomy.vn/http://vi.wikipedia.org/wiki/http://vi.wikipedia.org/wiki/http://vi.wikipedia.org/wiki/http://www.saga.vn/http://www.saga.vn/http://www.saga.vn/http://www.google.com.vn/http://www.google.com.vn/http://www.google.com.vn/http://www.google.com.vn/http://www.saga.vn/http://vi.wikipedia.org/wiki/http://www.vneconomy.vn/http://www.sbv.gov.vn/http://www.iasb.org/http://www.mof.gov.vn/


54/57

TUYN TP THI VO CC NGN HNG PHN 6TIN HCKEY

54

3) thi tuyn dng vo Ngn hng TMCP Phng Nam (SouthernBank) 4) thi tuyn dng vo Ngn hng TMCP Cng thng Vit Nam (Vietinbank) cc nm

2009, 2010, 2011

5) thi tuyn dng vo Ngn hng u t v Pht trin Vit Nam (BIDV) nm 20106) thi tuyn dng vo Ngn hng TMCP Qun i (MB)7) thi tuyn dng vo Ngn hng TMCP Kin Long (KienLongBank) nm 2010, 2011 8) thi tuyn dng vo Ngn hng TMCP i (DaiABank) nm 2009, 2010, 2011 9) thi tuyn dng vo Ngn hng TMCP ng (DongABAnk) nm 2010 10)thi tuyn dng vo Ngn hng TMCP Vit Nam Thnh vng (VPBank) nm 2007,

2009, 2010

11)thi tuyn dng vo Ngn hng TMCP ng Nam (Seabank) nm 2009, 201012) thi tuyn dng vo Ngn hng TMCP K thng Vit Nam (Techcombank) nm

2009, 2010

Vnh iu th i, ti liu, sch bo, gio trnh tham kho khc!


55/57

GII THIU SCH THAM KHO

TUYN TP THI, CU HI PHNG VN VO CC NGN HNG

Gi: 50.000M s: SB1

Tc gi: Thc s MBA Nguyn Chin ThngTin s Ton L nh Nam, L Giang

nh dng file PDF (~20MB)Bn y gm c 570 trang c p n.

NI DUNG SCH

PHN 1: CU HI TRC NGHIM (gm 555 cu trcnghim nghip v: Tn dng, K ton, Giao dch vin ,Thanh ton quc t.

PHN 2: CU HI T LUN(gm 67 cu hi)

PHN 3: BI TP(gm 25 dng bi tn dng, 15 dngbi k ton khc nhau)

PHN 4: IQ V GMAT(gm 51 cu hi GMAT, 150 cuhi IQ vi nhiu kiu t duy khc nhau)

PHN 5: TING ANH(gm 142 cu hi ting Anh chialm 9 DNG chnh)

PHN 6: TIN HC (gm 150 cu hi tin hc)

PHN 7: VERBAL TEST - NUMERICAL TEST-CLERICAL TEST (Gm 44 cu hi ting Anh thi vo ccngn hng nc ngoi nh HSBC, JP Morgan Chase)

P N (Phn trc nghim, Cu hi t lun, Bi tpnghip v, Ting Anh, IQ v GMAT u c p n, cgii thch ngn gn v xc tch)

Gi: 100.000M s: SB2

Tc gi: Thc s MBA Nguyn Chin Thng, L Giangnh dng file PDF (~10MB)

Bn y gm c 362 trang vi 322 cu hi phng vnsong ng Vit - Anh c p n.

NI DUNG SCH

PHN 1: CHUN B CHO MT CUC PHNG VN

PHN 2:NHNG LI KHUYN CHO CUC PHNVN U TIN

PHN 3: CU HI PHNG VN CHUNG

PHN 4: CU HI PHNG VN NGHIP V

PHN 5: HNG DN CCH VIT CV, TH XINVIC V TH CM N

PHN 6: M T CNG VIC CC V TR TRONGNGN HNG

PHN 7: PH LC SCH (Nguyn tc phi mu tranphc, giai on ca mt doanh nghip, cch lp bo colu chuyn tin, mu bo co ti ca ngn hng).

P N (322 cu phng vnc p n song ng Vit Anh trong c 103 Cu hi phng vn thng tin chunv 219 cu hi phng vn nghip v ).


56/57

CCH THANH TAN V NHN SCH

Cch 1: Thanh ton bng th co Viettel nhn sch bn ch cn mua 1 th co Viettelmnh gi tng ng n gi sch v cc gi khuyn mi, sau bn sotin nhn c ni dung bao gm m s th co, Emailv gi n s 0985.142.984. Sau khi kim tra thng tin mnh s g

ngay sch cho bn qua Email.Cch 2: Thanh ton qua ngn hng qu trnh thanh ton c nhanh chng, thun tin mnh ch cung cp duy nht mt ti khon ngn hng Vietinbankng k s dng dch v SMS Banking, t ng nhn tin nhn thng bo qua SMS ngay khi c thay i s d.

Gi tin hoc chuyn khon vi s tin tng ng n gi sch v cc gi khuyn mi vo ti khon sau

Ngn hng TMCPCng thngVit Nam(Vietinbank) chi nhnh B Ra - Vng TuCh ti khon: NGUYN VN MINHS Ti khon: 711A16993918

Lu : xc nhn thng tin khi thanh ton qua ngn hngNgay sau khi chuyn khon/np tin bn hy son tin nhn vi ni dung bao gm H tn y ca bn, Email, S t

khon chuyn tin(nu chuyn khon) v gi n s 0985.142.984. Sau khi kim tra thng tin mnh s gi ngay schcho bn qua Email.

N GI SCH V CC GI KHUYN MI

THNG TIN KHUYN MI

(ch p dng khi thanh ton qua ngn hng)

Khi mua sch cc bn cn c gi km ton b gikhuyn mi 4 in 1 di y (M s: KM1)

+/ 1 ti khon vip trn tailieu.vnkhng gii hn s lngv thi gian,

+/ 1 b ti liu n thi vo ngn hng Sacombanklu hnh

ni b, c p n. thang im.+/ 1 b sch H Thng Bi Tp, Bi Gii V Dng Thi

Nghip V Ngn Hng Thng Mi

(Ti liu cc him ca PGS.TS Nguyn ng Dn, trngH Kinh T TP HCM )

+/ 1 b lut ngn hng, lut cc t chc tn dng mi nht.

.Lu :gi bn l cho gi khuyn mi trn l 20.000thanh ton theo phng thc di y.

THNG TIN KHUYN MI

(ch p dng khi thanh ton qua ngn hng)

Khi mua sch cc bn cn c gi km ton b gikhuyn mi 9 in 1 di y (M s: KM2)

+/ 1 ti khon vip hc ting anh 1 nm trn hellochao.vntienganh123.com

+/ 1 ti khon vipUp.4share.vnthi hn 1 nm

+/ 37 dng bi tp tn dng c p n

+/ 14 thi vo cc ngn hng nm 2011, 2012 c p +/ 25 Mu S yu l lch (CV/Resume)

+/ 12 Mu Th xin vic (Cover Letter)

+/ Ni dung phng vn Tn dng CN v DN nm 2012

+/ Tng hp 60 cu trc nghim Thi giao dch vin

+/ B vn bn php lut tn dng hin hnh

Lu :gi bn l cho gi khuyn mi trn l 50.000thanh ton theo phng thc di y.

STT M s Tn giao dch Gi

1 KM1 Gi khuyn mi 4 in 1 20.000

2 KM2 Gi khuyn mi 9 in 1 50.000

3 SB1 Sch Tuyn tp thi vo cc Ngn hng 50.000

4 SB2 Sch Tuyn tp Cu hi phng vn vo ngn hng 100.000
http://tailieu.vn/http://www.hellochao.vn/http://www.tienganh123.com/http://4share.vn/http://4share.vn/http://4share.vn/http://www.tienganh123.com/http://www.hellochao.vn/http://tailieu.vn/


57/57

MT S CU HI THNG GP

Cu hi 1: Ti c th nhn sch trc gi tin sau c khng ?

Tr li:Chp nhn cch thanh ton ny. Tuy nhin sch gi trc c t pass gii nn, khi no bn gi m th chp l hay thanh ton thnh cng qua ngn hng mnh s gi pass bn gii nn.

Cu hi 2: Khi giao dch thnh cng, sau bao lu ti c th nhn c sch?

Tr li:Thng th khng qu 5 pht sau thanh ton thnh cng bng mt trong hai cch trn bn s nhn c sch vc rt nhiu cch gi sch d bn giao dch bt k thi im no trong ngy.

Trng hp mnh ang s dng my tnh bn s nhn c ngay Email chuyn tip. Trng hp mnh khng s dng my tnh bn vn nhn c sch ngay bng cch Gi ti khon Email do mnh lp cho bn qua SMS bn download ti liu c sn trong hp th n Gi link download qua SMS bn ti trc tip t trnh duyt web.

Cu hi 3: Nu c bn cp nht mi ti c c nhn khng?

Tr li:Bn cp nht mi s t ng gi qua Email lu tr thng tin c nhn do bn cung cp, v c thng bo trqua SMS. u tin gi sm cho nhng bn thanh ton qua ngn hng, giao dch nhiu ln (VIP).

HNG DN S DNG SCH

I. HNG DN M SCH

+/ Sau khi nhn c Email bn ti file nh km sau gii nn v m bng phn mm c file PDF.+/ C mt s trng hp bn khng th m c file pdf.Nguyn nhn:Bn ang dng phn mm c file pdf phin bn c.Khi gp trng hp ny bn hy ti file nh km Email FoxitReader.rar hoc clickTI Y ti link trc tip sauci t v m sch.

II. HNG DN TRA CUHin sch c to cc siu lin kt (l cc ch mu xanh) gia cu hi v cu tr li, do vic tra cu v sdng rt n gin v d dng.

Bn ch vic Click vo phn ch c cha lin kt s thy ngay p n hoc click ngc li thy cu hi.

Mi vn lin quan n ti liu lin h theo thng tin di y c h tr sm nht.

Anh Minh Mobile: 0985.142.984Yahoo: sorry_honeyhn
http://cdn04.foxitsoftware.com/pub/foxit/reader/desktop/win/5.x/5.3/enu/FoxitReader531.0606_enu_Setup.exehttp://cdn04.foxitsoftware.com/pub/foxit/reader/desktop/win/5.x/5.3/enu/FoxitReader531.0606_enu_Setup.exe

tuyen tap de thi van vao ngan hang - demo

Documents