• 무역상무연구
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• 제58권
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• pp.237-263
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• 2013

Traditionally, a L/C (letter of credit) has been known as a relatively low risk method of payment. This is why L/C has been used in international trade. However, L/C has a number of weak points such as high cost, long processing time, and complicated documents. Using an electronic L/C is one way to solve those weak points. In Korea, there are two types of electronic L/C. One is the EDI (Electronic Data Interchange) based L/C and the other one is the XML (Extensible Markup Language) based L/C. The former, established in 1990's, is sent from banks to the beneficiary solely through VAN (Value Added Network, KTNET) operators. On the other hand the latter, started in 2005, is sent from banks to KFTC (Korea Financial Telecommunications & Clearings Institute) for management of the L/C balance, as well as to KTNET. So far, paper L/C and EDI based L/C have been used overwhelmingly instead of XML based L/C in spite of the aforesaid disadvantages. In this paper, the authors examined empirically why the users of electronic L/C were reluctant to use XML based L/C. The results are as follows. First, the users of paper L/C were more dissatisfied than the users of electronic L/C due to many factors such as cost, the time required, and information reuse. Second, the users who have more experience with XML based L/C wanted to adopt integrated management with EDI based L/C more than the users who had not experienced XML based L/C. Third, the users who had used more than one form of L/C wanted to adopt integrated management to EDI and XML based L/C more than the users who had only used one form of L/C. Therefore, the authority for electronic L/C should consider a change of the policy from the XML based electronic L/C oriented to integrated management of the various types of L/C.

• 통상정보연구
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• 제15권2호
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• pp.429-455
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• 2013

본 연구는 전자신용장의 활용범위와 전자화 정도에 대하여 연구한 논문이다. 이를 위하여 본 연구는 두 가지 방법론을 활용하였다. 첫째, 우리나라 국민경제 전체의 거시적 차원에서 전자신용장의 전자화 정도를 분석하였다. 둘째, 신용장결제방식에 결정적인 역할을 수행하는 개별 은행들을 선정하고, 이들 개별은행의 미시적 차원에서 전자신용장의 활용과 전자화정도를 분석하였다. 본 연구는 국내 4대 시중은행 중 두 곳에서 자료를 받아 분석하였다. 전자신용장의 활용정도를 분석하기 위한 지표로는 EDI신용장과 e-L/C, 그리고 전자선하증권을 기준으로 하였다. 연구결과 e-L/C와 e-B/L은 활용도가 매우 미미하게 나타났으나, EDI신용장의 경우는 거시적 차원이나 미시적 차원 모두에서 상당히 활용되고 있는 것으로 나타났다. 한편 중소기업 차원에서 신용장의 전자화를 촉진하기 위해서는 시스템 구축비용을 지원하는 것이 필요한 것으로 분석된다.