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초록· 키워드
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Historically, the clearing system began in the United Kingdom. I think the clearing as a special settlement method based on the clearinghouse agreements. The clearing means method of making exchanges and settling balances among banks and bankers. With the speedy increase of business activities and the scope of commercial transactions, it is common to see a wide use of bills and checks as means of a payment in modern society. New payment systems such as Credit cards and Electronic fund transfers system have been used, but Bills have their own sphere.
Bill has been used as important liquidation system in Korea. Especially the bill is widely used in Korea enterprises. The clearing is a simple and safe method.
When Korea had under I.M.F's control since December 1997, the rate of bills of dishonor was very high. Korea was caught in the financial crisis that time, and stable companies suddenly experienced severe financial difficulties. The high rate of dishonor exposes the Korean enterprises to the risk of domino effect.
As the rate of dishonor had increased since early 1998, some people began to seek for a new way to improve the pay system. Some politician proposed the abolition of the bill.
But I think that the fundamental reason of dishonor is attributable to premature establishment of society that values the credit rather than the use of bill itself.
The clearinghouse is an association or place where bankes exchange checks and drafts drawn on each other, and settle their daily balances.
It should be admitted that the use of clearing system is general in Korea.
The purpose this thesis is to research the clearing house, study aims at examining matters and theories involving questions of construction and seeking for the better way to improve the clearing.
Bill has been used as important liquidation system in Korea. Especially the bill is widely used in Korea enterprises. The clearing is a simple and safe method.
When Korea had under I.M.F's control since December 1997, the rate of bills of dishonor was very high. Korea was caught in the financial crisis that time, and stable companies suddenly experienced severe financial difficulties. The high rate of dishonor exposes the Korean enterprises to the risk of domino effect.
As the rate of dishonor had increased since early 1998, some people began to seek for a new way to improve the pay system. Some politician proposed the abolition of the bill.
But I think that the fundamental reason of dishonor is attributable to premature establishment of society that values the credit rather than the use of bill itself.
The clearinghouse is an association or place where bankes exchange checks and drafts drawn on each other, and settle their daily balances.
It should be admitted that the use of clearing system is general in Korea.
The purpose this thesis is to research the clearing house, study aims at examining matters and theories involving questions of construction and seeking for the better way to improve the clearing.
목차
Ⅰ. 들어가는 말
Ⅱ. 어음교환의 개관
Ⅲ. 어음교환의 과정
Ⅳ. 어음교환시 부도어음처리
Ⅴ. 맺음말
참고문헌
Abstract
참고문헌 (31)
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대법원 1997. 11. 28. 선고 96다21751 판결
[1] 수표를 발행할 권한을 갖고 있지 아니한 은행의 대부계 대리가 예금 담당 대리가 자리를 비운 사이에 백지인 자기앞수표 용지를 임의로 가지고 나와 백지를 보충하여 수표를 발행한 경우, 그 수표 발행행위는 수표의 위조에 해당한다고 한 사례.
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