국제전자자금이체시스템에서 지급의 최종성과 유용성에 관한 고찰

• 영문명: A Study on Payment Finality and Usefulness in the Electronic Payment System: Based on U.C.C. 4A
• 발행기관: 한국통상정보학회
• 저자명: 이병렬(Byeong-Ryul Lee)
• 간행물 정보: 『통상정보연구』제12권 제3호, 35~53쪽, 전체 19쪽
• 주제분류: 사회과학 > 무역학
• 파일형태: PDF
• 발행일자: 2010.09.30

영문 초록

In connection with a non-cash payment through the banking system, “finality of payment” has acquired diverse meanings. In according to Section 4A-209(2), the acceptance by the beneficiary’s bank by means of receiving payment “pursuant to section 4A-403(a)(1) or 4A-403(a)(2),” constitutes final settlement through a Federal Reserve Bank or through a funds-transfer system” or credit to the account of the beneficiary’s bank. Above of all, Acceptance by beneficiary’s bank is the most important. According to 4A-209(b), the beneficiary’s bank can accept a payment order in one of four ways :First, by paying the beneficiary; obligating itself to pay the beneficiary or,Second, by notifying the beneficiary of receipt of the order or notify-ing the beneficiary that its account was credited or,Thirdly, by receiving full payment from the sender’s order or Lastly, by passage of time, i.e., the opening of the next funds transfer business day of the bank following the payment date of the order. A beneficiary’s bank is considered to have accepted a payment order when the earliest of the four means of acceptance occurs.

목차

Ⅰ. 서론

Ⅱ. 지급의 유형과 최종성

Ⅲ. 최종지급과 지급지시의 승낙

Ⅳ. 지급의 최종성의 유용성

Ⅴ. 정책적 시사점 및 결론

참고문헌

Abstract

키워드

EFT Beneficiary’s bank’ acceptance Payment Finality Originator’s bank’s acceptance