<국문초록> 신용장사기거래의 유형 및 대응방안 - 판례를 중심으로 - 국제경영학과 권 동 혁 본 연구는 신용장사기거래의 판례를 분석하고, 신용장의 특성(독립성·추상성)으로 인한 사기피해를 국제규칙에서 대응방안을 찾고자 연구가 진행된 것이다. 본 연구는 3가지의 판례를 분석하였는데 ‘결제대금 사기거래,’ ‘연지급신용장 사기거래,’ ‘개설은행의 하자서류심사’를 분석하였다. 분석된 판례에 적용할 수 있는 국제대금결제와 관련한 규칙은 신용장통일규칙(UCP), 국제표준은행관행(ISBP), 미국통일상법전(...
<국문초록> 신용장사기거래의 유형 및 대응방안 - 판례를 중심으로 - 국제경영학과 권 동 혁 본 연구는 신용장사기거래의 판례를 분석하고, 신용장의 특성(독립성·추상성)으로 인한 사기피해를 국제규칙에서 대응방안을 찾고자 연구가 진행된 것이다. 본 연구는 3가지의 판례를 분석하였는데 ‘결제대금 사기거래,’ ‘연지급신용장 사기거래,’ ‘개설은행의 하자서류심사’를 분석하였다. 분석된 판례에 적용할 수 있는 국제대금결제와 관련한 규칙은 신용장통일규칙(UCP), 국제표준은행관행(ISBP), 미국통일상법전(UCC), 환어음법(Bill of Exchange Act) 등 판례를 분석하기 위하여 활용되었다. 은행은 반드시 서류심사기한의 제5은행영업일(UCP600 제14조 b)항)을 준수하고, 하자서류를 발견하였다면 즉시 당사자에게 통지(UCP600 16조)하여 수정·보완할 수 있도록 해야 한다. 만일 신용장거래에서 은행은 의무를 충실히 이행하지 않는다면 사기거래로부터 권리를 보호받지 못하며, 이미 대급을 지급한 상태라면, 상대방에게 대금을 청구할 수 있는 권리도 인정받지 못한다(UCP 600 제16조 f)항). 그러므로 자신의 권리를 보호하기 위해서는 신용장에 관한 국제규칙을 준수하여야 한다.
<국문초록> 신용장사기거래의 유형 및 대응방안 - 판례를 중심으로 - 국제경영학과 권 동 혁 본 연구는 신용장사기거래의 판례를 분석하고, 신용장의 특성(독립성·추상성)으로 인한 사기피해를 국제규칙에서 대응방안을 찾고자 연구가 진행된 것이다. 본 연구는 3가지의 판례를 분석하였는데 ‘결제대금 사기거래,’ ‘연지급신용장 사기거래,’ ‘개설은행의 하자서류심사’를 분석하였다. 분석된 판례에 적용할 수 있는 국제대금결제와 관련한 규칙은 신용장통일규칙(UCP), 국제표준은행관행(ISBP), 미국통일상법전(UCC), 환어음법(Bill of Exchange Act) 등 판례를 분석하기 위하여 활용되었다. 은행은 반드시 서류심사기한의 제5은행영업일(UCP600 제14조 b)항)을 준수하고, 하자서류를 발견하였다면 즉시 당사자에게 통지(UCP600 16조)하여 수정·보완할 수 있도록 해야 한다. 만일 신용장거래에서 은행은 의무를 충실히 이행하지 않는다면 사기거래로부터 권리를 보호받지 못하며, 이미 대급을 지급한 상태라면, 상대방에게 대금을 청구할 수 있는 권리도 인정받지 못한다(UCP 600 제16조 f)항). 그러므로 자신의 권리를 보호하기 위해서는 신용장에 관한 국제규칙을 준수하여야 한다.
A Study on the Types of Fraud by the Letter of Credit Transactions and Effective Countermeasures Gwon, Dong Hyuk Major in International Business Graduate School of Management and Information Korea University Professor Park Jin-Sung, Academic Advisor Abstract The credit transaction system has been re...
A Study on the Types of Fraud by the Letter of Credit Transactions and Effective Countermeasures Gwon, Dong Hyuk Major in International Business Graduate School of Management and Information Korea University Professor Park Jin-Sung, Academic Advisor Abstract The credit transaction system has been recognized as the means of settlement that guarantees safety and promptness in international trade since it can minimize the risk and the differences in custom, law, International Rule etc. In the credit transactions, there are many principles to be thoroughly performed on the basis of trust and honesty. Those principles include the principle of independence or abstraction, the principle of deal with documents, and the principle of strict compliance and substantial compliance. However, those principles are misused for a fraud in transaction. This study aims to provide information of fraud in the credit transactions and effective countermeasures with international trading companies and banks to prevent with, by sorting the credit fraudulences to their types and illustrating the causes and detailed practices of them on the basis of data from records of judicial precedents. The best way to avoid or minimize fraud is to take preventive measures, for which an accurate understanding of the characteristics of the credit transaction and of the letter of credit itself are emphasizes. In conclusion, the most effective way to reduce or keep off the chance of fraud in a credit transactions is to take preventive measures, for which it is necessary for all of the parties engaged in the transaction such as beneficiary, applicant, negotiating bank, issuing bank and other credit parties to have an accurate understanding of the mechanism and Letter of Credit, the core of credit transaction, for which concrete and practical effective countermeasures against credit fraud suggested in this study will be of help.
A Study on the Types of Fraud by the Letter of Credit Transactions and Effective Countermeasures Gwon, Dong Hyuk Major in International Business Graduate School of Management and Information Korea University Professor Park Jin-Sung, Academic Advisor Abstract The credit transaction system has been recognized as the means of settlement that guarantees safety and promptness in international trade since it can minimize the risk and the differences in custom, law, International Rule etc. In the credit transactions, there are many principles to be thoroughly performed on the basis of trust and honesty. Those principles include the principle of independence or abstraction, the principle of deal with documents, and the principle of strict compliance and substantial compliance. However, those principles are misused for a fraud in transaction. This study aims to provide information of fraud in the credit transactions and effective countermeasures with international trading companies and banks to prevent with, by sorting the credit fraudulences to their types and illustrating the causes and detailed practices of them on the basis of data from records of judicial precedents. The best way to avoid or minimize fraud is to take preventive measures, for which an accurate understanding of the characteristics of the credit transaction and of the letter of credit itself are emphasizes. In conclusion, the most effective way to reduce or keep off the chance of fraud in a credit transactions is to take preventive measures, for which it is necessary for all of the parties engaged in the transaction such as beneficiary, applicant, negotiating bank, issuing bank and other credit parties to have an accurate understanding of the mechanism and Letter of Credit, the core of credit transaction, for which concrete and practical effective countermeasures against credit fraud suggested in this study will be of help.
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