BPO 고객약정을 위한 ICC 가이드라인의 운용과 그 시사점에 관한 연구

A Study on the Application and Its Implications of ICC Guidelines for the Creation of BPO Customer Agreements

본 연구는 국제상업회의소(ICC)가 제정한 "BPO 고객약정을 위한 ICC 가이드라인"을 BPO의 활성화 차원에서 소개하였다. 본 ICC 가이드라인은 은행과 그 거래고객 간에 BPO의 약정과정에 필요한 가이드라인을 지원하는 것이다. 따라서 본 연구는 ICC 가이드라인을 소개함으로써 BPO에 대한 많은 관심과 이해를 증진시키고 BPO의 발전과 정착에 기여하고자 한다. 본 연구는 본 가이드라인의 내용을 중심으로 이미 발표된 BPO 관련 선행 연구와 자료 등을 통하여 문헌 연구하였다.

A bank payment obligation(BPO) has been introduced as a new alternative instrument for trade payments based on a technology and data-driven mechanisms aimed at facilitating an electronic trading in international trade transactions. The BPO is governed by URBPO which was in effect as of July 1, 2013. The URBPO only applies to inter-bank relationships because the BPO is bank-to-bank payment obligation, not a bank-to-customer obligation. The URBPO does not cover the interaction between a bank and their customer. For this reason, the standard bank-customer guidelines on BPO agreements were required to prepare the agreements between the banks and their customers. Accordingly, the International Chamber of Commerce established "ICC Guidelines for the creation of BPO Customer Agreements" for the settlement and development of the BPO by supporting banks in creating contracts or agreements with their customers. So, This study is to review its establishment purpose and to present the implications by analyzing the ICC guidelines. This study was based on documentary research focusing mainly on the ICC Guidelines and the appendix.