Cổ phiếu và trái phiếu là hai hình thức đầu tư chứng khoán rất phổ biến không chỉ ở Việt Nam mà còn trên toàn thế giới. Tuy nhiên, nhiều nhà đầu tư khi mới tham gia thị trường còn băn khoăn với việc lựa chọn đầu tư cổ phiếu hay trái phiếu. Để đưa ra lựa chọn đầu tư phù hợp, trước hết cần phân biệt được những đặc điểm cơ bản giữa cổ phiếu và trái phiếu.
Khái niệm cổ phiếu và trái phiếu
Theo quy định tại khoản 1, Điều 120 Luật Doanh nghiệp 2014, cổ phiếu là chứng chỉ do công ty cổ phần phát hành, bút toán ghi sổ hoặc dữ liệu điện tử xác nhận quyền sở hữu một hoặc một số cổ phần của công ty đó. Còn theo quy định tại khoản 2, Điều 6 Luật Chứng khoán 2006, cổ phiếu là loại chứng khoán xác nhận quyền và lợi ích hợp pháp của người sở hữu đối với một phần vốn cổ phần của tổ chức phát hành.
Tương tự như cổ phiếu, trái phiếu cũng là bằng chứng xác nhận quyền và lợi ích hợp pháp của người sở hữu đối với tài sản hoặc phần vốn của tổ chức phát hành. Tuy nhiên, nếu cổ phiếu ghi nhận quyền sở hữu đối với một phần vốn điều lệ thì căn cứ vào Khoản 3, Điều 6 Luật Chứng khoán 2006, trái phiếu ghi nhận quyền sở hữu đối với một phần vốn nợ của tổ chức phát hành.
Phân biệt cổ phiếu và trái phiếu
Mặc dù cổ phiếu và trái phiếu có rất nhiều điểm chung như đều được thể hiện dưới hình thức chứng chỉ, bút toán ghi sổ hoặc dữ liệu điện tử, hay đều có thể mua bán, chuyển nhượng, cầm cố, thế chấp, thừa kế v.v.., hai sản phẩm chứng khoán này lại có những khác biệt rất cơ bản. Ta có thể phân biệt được cổ phiếu và trái phiếu dựa trên những tiêu chí sau đây:
Thứ nhất, về chủ thể phát hành, theo quy định của Luật Doanh nghiệp 2014, công ty cổ phần được phát hành cả cổ phiếu và trái phiếu. Ngoài ra, Chính phủ cũng là một chủ thể phát hành trái phiếu. Theo quy định mới tại Khoản 4 Điều 46 Luật Doanh nghiệp 2020, công ty TNHH hai thành viên trở lên cũng có quyền phát hành trái phiếu.
Thứ hai, về hệ quả của việc phát hành, việc phát hành cổ phiếu sẽ làm tăng vốn điều lệ của công ty cổ phần và làm thay đổi cơ cấu cổ phần của các cổ đông hiện hữu, thậm chí làm thay đổi quyền quản trị của các cổ đông, trong khi việc phát hành trái phiếu sẽ làm tăng vốn vay, nghĩa vụ trả nợ của công ty nhưng không làm thay đổi cơ cấu cổ phần của các cổ đông hiện hữu.
Thứ ba, về bản chất, cổ phiếu là chứng khoán vốn (người nắm giữ cổ phiếu là một chủ sở hữu của công ty), làm tăng vốn của chủ sở hữu công ty, còn trái phiếu là chứng khoán nợ (người nắm giữ trái phiếu là chủ nợ của công ty), không làm tăng vốn của chủ sở hữu công ty.
Thứ tư, về tư cách chủ sở hữu, người sở hữu cổ phiếu được gọi là cổ đông của công ty cổ phần và được chia một phần lợi nhuận của công ty thông qua việc nhận cổ tức từ cổ phần đang sở hữu. Vì trái phiếu là một loại giấy ghi nhận nợ nên người sở hữu trái phiếu không phải là thành viên hay cổ đông của công ty, họ chỉ đơn giản được hiểu là trở thành chủ nợ của công ty.
Thứ năm, về lợi tức thu được, người sở hữu cổ phiếu được nhận cổ tức. Cổ tức được chia không cố định, phụ thuộc vào kết quả sản xuất, kinh doanh của công ty. Khi công ty làm ăn có lãi mới được chia lợi tức, khi công ty làm ăn thua lỗ thì không được chi trả cổ tức. Do đó, cổ phiếu có độ rủi ro cao.
So với cổ phiếu, trái phiếu có độ rủi ro thấp hơn. Tỷ lệ lãi suất ổn định của trái phiếu được gọi là trái tức và kết quả kinh doanh của công ty không làm ảnh hưởng đến trái tức mà người sở hữu trái phiếu được trả định kì.
Thứ sáu, về nguồn trả lãi của doanh nghiệp, nguồn trả cổ tức là phần trích từ lợi nhuận sau thuế của công ty. Ngược lại, chi phí lãi từ trái phiếu phải trả cho người sở hữu trái phiếu là chi phí trước thuế, được khấu trừ khi tính thuế.
Thứ bảy, về thời hạn sở hữu, cổ phiếu không có thời hạn xác định mà phụ thuộc vào ý chí và quyết định của chủ sở hữu, đồng thời cũng không có tính hoàn trả trực tiếp. Trái phiếu được hoàn vốn và có thời hạn xác định được ghi trong trái phiếu. Thời hạn này có thể là ngắn hạn hoặc dài hạn.
Thứ tám, về quyền của chủ sở hữu, trong khi cổ đông có quyền biểu quyết tại Đại hội đồng cổ đông (Trừ cổ đông ưu đãi cổ tức và cổ đông ưu đãi hoàn lại không được dự họp Đại hội đồng cổ đông và biểu quyết các vấn đề của công ty), quyền đề cử, ứng cử cũng như tham gia hoạt động của công ty thì người sở hữu trái phiếu lại không có những quyền này.
Thứ chín, về trách nhiệm của chủ sở hữu, người sở hữu cổ phiếu chịu trách nhiệm về các khoản nợ của công ty theo tỷ lệ tương ứng với phần vốn góp vào công ty. Người sở hữu trái phiếu không phải chịu trách nhiệm về các khoản nợ của công ty.
Cuối cùng, về thứ tự thanh toán khi công ty phá sản hoặc giải thể, trái phiếu được ưu tiên thanh toán trước cổ phiếu. Chỉ khi đã thanh toán hết các nghĩa vụ khác, phần vốn góp của cổ đông mới được thanh toán sau cùng.
Trên đây là bài viết tư vấn về “Phân biệt cổ phiếu và trái phiếu” của Công ty Luật TNHH Apra. Quý khách hàng còn thắc mắc về các vấn đề nêu trên và cần được giải đáp, vui lòng liên hệ số hotline để được tư vấn và hỗ trợ.
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Mọi thông tin yêu cầu tư vấn xin vui lòng liên hệ:
CÔNG TY LUẬT TNHH APRA
Địa chỉ: Tầng 7, số 57 Trần Quốc Toản, phường Trần Hưng Đạo, quận Hoàn Kiếm, thành phố Hà Nội, Việt Nam.
Email: info@apra.vn
Hotline: 024.23486234 – 0948495885
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