[국제무역결제]전자신용장의 국제결제 인프라구축 동향과 해결과제

• 영문명: Trends of Infrastructure for International Payment under the Electronic Letter of Credit and Problems of Its Solution
• 발행기관: 한국국제상학회
• 저자명: 강원진(Won-jin Kang)
• 간행물 정보: 『국제상학』國際商學 제19권 제1호, 125~154쪽, 전체 30쪽
• 주제분류: 경제경영 > 무역학
• 파일형태: PDF
• 발행일자: 2004.03.01

영문 초록

In this paper, I examined the trends of infrastructure for international payment under the electronic letter of credit and their payment solutions of creation of paperless documentary credit transactions. Nowadays, the issuance and amendment of documentary credit are performed by the SWIFT(Society for Worldwide Interbank Financial Telecommunication) System. The advising bank will then either print out, or in some cases electronically transmit, the credit to the beneficiary. SWIFT facilitates interbank communication through regional processors, linking the various countries through networks of slice processors. Several project devoted to development of an electronic letter of credit infrastructure have recently been proposed such as SWIFTNet, e-paymentsPlus, Bolero SURF, Identrus, TrustAct and Eleanor. The development of SWIFTNet enables banks to organise the processing of bulk payments over SWIFT's extremely secure and reliable messaging infrastructure. Currently, SWIFTNet allows traders to do business in an environment that now combines the security of a private network and the guarantees of a trusted third party with the flexibility of Internet technologies. The e-paymentsPlus, one of the payment solutions of SWIFT is a global, internet-based, payment initiation and assurance solution for the financial industry to facilitate Business-to-Business electronic commerce. Bolero SURF is also a payment solution as a compliance engine, checking and exchange trade documents for documentary credits. The Identrus global trust system provides internet identity assurance so that companies know who's accessing their data, services and systems. The Identrus System builds on the trust relationship between financial institutions and their customers, to provide trusted third party services to their business customers. Also TrustAct has been developed for financial institutions to build and offer to their corporate customers trusted online service such as identity, data, payment and financing services. Eleanor is an initiative established by Identrus equity bank and deals with payment initiation, as opposed to inter-bank messaging, clearing or settlement. At the same time there is increasing pressure to move from existing paper based documentary credit to electronic documentary credit. In response, the Banking Commission of International Chamber of Commerce established a working group consisting of experts in the related fields to prepare the appropriate rules as a Supplement to Uniform Customs and Practice for Documentary Credits Publication No. 500 for Electronic Presentation: eUCP. This new came into force on April 1, 2002. The eUCP will provide the necessary rules for the presentation of the electronic equivalents of paper documents under letters of credit. However some problems of electronic presentation under the eUCP, exist such as format, presentation of electronic records, examination and beneficiary's notice for completeness At present, the key and the solution problems of international payment under the electronic documentary credit are how best to devise to harmony and co-branded that they will develop separate payment solutions, security and certification models such as SWIFT Network, Bolero Surf, Identrus, e-paymentsPlus, TrustAct and Identrus's Eleanor Payment.

목차

Abstract

Ⅰ. 서 론

Ⅱ. 신용장의 전자화

Ⅲ. 전자신용장의 인프라구축 동향

Ⅳ. 전자신용장 활용을 위한 인프라의 문제점과 해결과제

Ⅴ. 결 론

참고문헌