[국제무역결제] 신 국제결제시스템으로서 전자자금이체에서의 고객의 보호에 관한 연구-미국과 캐나다의 제도의 비교연구-

• 영문명: A Study on Customer Protection in the Electronic Funds Transfers as a Cross-Border Payment System
• 발행기관: 한국국제상학회
• 저자명: 이병렬(Byeong-ryul Lee)
• 간행물 정보: 『국제상학』國際商學 제19권 제3호, 231~253쪽, 전체 23쪽
• 주제분류: 경제경영 > 무역학
• 파일형태: PDF
• 발행일자: 2004.09.01

영문 초록

I did a comparative study on the Protection of Customer in the Electronic Funds Transfers between America and Canada. For this purpose, I used the theoretical method as a tool of study. As the result, I have come to 5 conclusions to improve this situation; First, regarding unauthorized transfers, a customer liability has to a only negligence in the failure to read bank statement and advise to the [mandaI institution of a known unauthorized transfer. Second, to effectively govern the customer, It is a necessary to distinguish apparent authority and actual authority. Third, a customer is liable for the amount of all authorized transfers as well as of fraudulent transfers where he or she knew or took part in the fraud. Fourth, to charge the customer with liability so as to be entitled to debit his account with the amount of an electronic funds transfer, the financial institution must prove an authorized transfers and supplies all material details of transfer. Fifth, a customer who denies a transfer was authorized notwithstanding proper proof as to verification is required to fully co-operate with the financial institution, in good faith, disclose all relevant information and assist investigation.

목차

Abstract

Ⅰ. 서론

Ⅱ. 양국의 제도 비교

Ⅲ. 무권한 이체로부터 고객보호

Ⅳ. 결론과 정책적 시사점

참고문헌