국제전자결제시스템으로서의 ACH와 Fedwire의 비교연구

• 영문명: A Comparative Study on ACH and Fedwire as a Cross-Border Payment System
• 발행기관: 한국통상정보학회
• 저자명: 이병렬(Byeong-Ryul Lee)
• 간행물 정보: 『통상정보연구』제10권 제1호, 139~154쪽, 전체 16쪽
• 주제분류: 사회과학 > 무역학
• 파일형태: PDF
• 발행일자: 2008.03.30

영문 초록

This research want to discuss some issues about payment system of America. This research focuses on comparing ACH with Fedwire. Firstly Fedwire is the payment system for only large-dollar transfer(Large-Value Transfer System; LVTS), while ACH(Automated Clearing House)payment mainly applies a consumer account. Secondly ACH transaction is either credit or debit transfer, while Fedwire is only credit transfer. Thirdly the communication system of Fedwire has twoway method, telephonelike communication network, but ACH is oneway store and forward electronic mail. At present LVTS divides into RTGS(Real-Time Gross Settlement) and DNS(Deferred Net Settlement). However Fedwire uses either RTGS(instantaneous for every transaction) or DNS(net net transaction) but ACH uses only DNS(net net transaction). Fourthly ACH is substantially cheaper than the Fedwire payment. lastly security is important in both Fedwire and ACH, it is even more crucial in Fedwire In addition, for each transaction, Fedwire may entail individual instantaneous confirmation to the originator and notification to the receiver, whereas ACH do not.

목차

Ⅰ. 서론

Ⅱ. 결제운용상의 비교

Ⅲ. 법제적용상의 비교

Ⅳ. 위험관리정책상의 비교

Ⅴ. 결론 및 정책적 시사점

참고문헌

키워드

Fedwire ACH UCC 4A Electronic Funds Transfer