목차
Ⅰ. 서론
Ⅱ. 인수은행의법적지위
Ⅲ. 인수은행의책임
1. 환어음인수와서류심사의책임
2. 환어음의매입과상환청구권
Ⅳ. 인수은행의면책
1. 은행영업시간이외의제시에대한면책
2. 서류효력에관한인수은행의면책
3. 서류송달및번역에관한인수은행의면책
4. 불가항력
Ⅴ. 결론
본문내용
화환신용장통일규칙(Uniform Customs and Practices for Documentary Letter of Credit; UCP)은 신용장이 세계 각지에서 다양하게 사 용되는 됨에 따라 발생하는 혼란을 완화시키고 자 1933년 국제상업회의소(ICC)에 의해 제정 되었으며, 변화하는 무역환경에 적절히 반영하 고 신용장거래의 활성화를 위해 주기적으로 개 정되어 왔다. 2007년 개정 화환신용장통일규 칙(Uniform Customs and Practices for Documentary Letter of Credit, Publication No. 600; hereinafter referred to as “UCP 600”)은 기존의 UCP 500을 대체하고자 2007 년 7월 1일부터 사용되어오고 있다. UCP 600 로 개정된 가장 큰 이유로는 수익자가 제시한 서류의 78%가 불일치 판정을 받고(Mann, 2000) 이로 인한 분쟁이 지속적으로 발생함에 따라, 신용장 거래비중이 지속적으로 감소하는 상황1)을 타개하고자 UCP의 규정을 좀 더 명 확하게 해야 한다는 요구에 따른 결과이다.
UCP 600, Art. 6(b)항에서는 신용장을 그 사용방법에 따라 일람지급신용장(Sight PaymentCredit), 연지급신용장(Deferred Payment Credit), 인수신용장(Acceptance Credit) 및 매입신용장(Negotiation Credit)으로 구분하고 있으며, 일람지급, 연지급, 인수신용장은“Honour”의 범주에, 매입신용장은 “Negotia- tion”으로 구분하여 사용하고 있다. SWIFT MT700를 이용해 신용장이 발행되는 경우, 41a를 통해 사용방법을 지정하여야 하며 이에 따라 대금지급방식이 결정된다. SWIFT MT700 41a는 어느 은행에서 사용가능한지(available with) 그리고 신용장이 어떤 방식으로 사용가능한지(available by)를 나타내는 항목으로 [BY ACCEPTANCE / BY DEF PAYMENT / BY MIXED PAYMENT / BY NEGOTIATION / BY PAYMENT] 중 1개를 선택한다.
참고 자료
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