글로벌 무역·금융공급망관리를 위한 국제지급결제네트워크의 구축과 활용 (The Establishment and Utilization of International Payments Network for the Global Trade & Financial Supply Chain Management)

서지정보

· 발행기관 : 한국무역보험학회
· 수록지 정보 : 무역금융보험연구 / 15권 / 2호 / 131 ~ 164페이지
· 저자명 : 류건우, 차병주

초록

기업들이 생산성 향상과 경쟁우위를 위해 실물공급망이 더욱 심화되고 있어 위험관리와 효율성 제고를 위한 금융공급망관리의 중요성이 증대되고 있다. 전자지급결제의 확산에 따라 제한적인 국제지급결제네트워크를 보유한 국내은행들이 발주에서 대금결제 까지 기업의 효율적인 자금관리 요구에 부응한 글로벌 무역․금융공급망관리의 도입을 위하여 SWIFTNet_TSU, 국제지급카드네트워크 등 통합 국제지급결제네트워크, 국제지급결제프레임워크 등 국가별 지급결제시스템과 연계된 네트워크 활용을 검토할 필요가 있다. 최근 국제상업회의소가 발표한 은행지급보증(BPO)에 관한 통일규칙은 거래정보와 결제정보를 연계함으로써 은행들이 기업들에게 위험관리와 공급망금융을 제공할 수 있는 근거가 되며 이를 국가전자무역서비스(uTradeHub)기반의 국제지급결제네트워크의 구축과 활용에 고려해 볼 수 있다.

영어초록

Recently, domestic companies have been procuring raw materials from foreign countries and making use of international outsourcing and offshore manufacturing more often. Consequently, Physical Supply Chain(SC) has become more globalized and Financial Supply Chain Management (TFSCM) also become more important for the sake of centralized controls on working capital to sustain competitive advantages. Considering the impact of the increase in open account based trades and the compliance with Basel Ⅲ, global TFSCM would be a necessity for companies to control risks and promote business productivity.
However, domestic banks can not meet the companies’demands for global TFSCM because they have limited international payments networks. So, they have to make full use of International payments networks like SWIFT_TSU(Trade Services Utility), international card payments networks, and the linked networks between national payments systems such as International Payment Framework(IPF). Domestic banks equipped with these international payment networks can offer companies risk management and Supply Chain Finance by matching trades information with payments information. These networks could be supported by Uniform Rule for Bank Payment Obligation(URBPO) issued by International chamber of commerce in April 2013. The international payments networks should be implemented in a way that the existing infrastructures such as e-L/C(Letter of Credit), uTradeHub would be fully used. Additionally SMEs as well as big companies should be able to get access to these networks at a low price.

참고자료

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