• 한국항만경제학회지
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• 제29권2호
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• pp.255-275
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• 2013

본 연구는 신용장 서류심사의 일치성 판단기준에 대해 우리나라 대법원의 실무적 판례를 중심으로 고찰하고자 한다. 대법원의 서류심사의 일치성 판단기준은 엄격일치의 원칙이 지지되고 있다. 그리고 대법원이 서류심사에서 그 판단이 구체적인 경우는 신용장과의 차이가 국제적 표준은행관행에 비추어 용인될 수 있는가의 여부를 따른다. 이 경우 대법원은 국제표준은행관행으로 국제상업회의소(ICC)의견이나 결정을 참고하기도 하고, ICC의 의견이나 결정이 없는 경우는 국제표준은행관행을 탐구하여 인정하기도 할 것이다. 그러나 은행 서류심사자들이 서류심사를 할 경우 고도의 높은 식견과 지식이 없으므로 짧은 시간에 이를 찾아 판단하는 것이 지극히 어려운 일이 될 것이다. 본 연구의 사례에서 보듯이 신용장의 엄격일치의 원칙은 계속 완화되어 가고, 최근의 판례는 거의 대부분 엄격일치의 예외로 판시하고 있다. 그러므로 은행 서류심사자들은 이와 같은 일치성판단이 어렵기 때문에 자의적 서류심사행위를 하는 것이 불가피하게 될 것이다. 그 결과 은행과 개설의뢰인은 서류상의 엄격성을 확보하는 것이 어렵게 되고, 국제거래에서 신용장의 자유로운 사용을 기피하게 될 것이다. 따라서 은행실무자의 신용장 서류심사의 일치성 판단기준에 대한 다양한 실무적 적용에 본 연구가 활용되기를 기대한다.

• 한국전자통신학회논문지
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• 제17권2호
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• pp.375-386
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• 2022

정보자산 보호가 조직의 중요한 관리 요인으로 인식되면서, 조직들은 정보보안 정책 및 기술 도입을 위한 투자를 높이고 있다. 하지만, 엄격한 정보보안의 적용은 조직원에게 스트레스를 통해 미준수 행동을 일으킬 수 있다. 본 연구의 목적은 정보보안 역할 강화로 인해 형성된 조직원의 스트레스가 자기결정성을 통해 준수 의도에 미치는 매커니즘을 제시하고, 개인조직 적합성을 통해 준수 의도 강화 방안을 제시하는 것이다. 연구는 정보보안 정책을 도입한 기업에 근무하는 조직원을 대상으로 온라인 설문을 하였으며, 475개의 표본을 활용하여 가설검증을 하였다. 첫째, 구조방정식 모형을 적용한 주효과 분석 결과는 역할 스트레스가 자기결정성을 감소하여 준수 의도에 영향을 미쳤다. 둘째, Process 3.1을 적용한 조절 효과 분석 결과는 개인조직 적합성이 자율성, 관계성이 준수 의도에 미치는 영향을 강화하였다. 연구는 조직원의 정보보안 스트레스, 행동 동기의 영향을 확인함으로써, 조직 내부의 정보보안 목표달성 방향을 제언한 측면에서 시사점을 가진다.

• 한국전자통신학회논문지
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• 제16권6호
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• pp.1101-1112
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• 2021

정보가 조직의 핵심 관리 요인으로 인식되면서, 조직들은 정보 자산에 대한 침입 및 노출에 대처하기 위하여 정보보안 정책 및 기술에 대한 투자를 지속해서 증가하고 있다. 그러나, 엄격한 정보 관리를 위한 조직의 규정 및 행동 요구가 많아질수록, 실제 정보보안 정책을 업무에 적용하는 조직원에게는 스트레스를 일으켜 부정적 행동을 유발할 수 있다. 본 연구는 스트레스 조건이 긍정적, 부정적 행동 원인으로 작용하는 도전적, 방해적 스트레서가 정보보안 준수의도에 미치는 영향을 제시하고, 진성 리더십이 스트레서의 영향을 어떻게 조절하는지를 확인하는 것을 목적으로 한다. 연구 대상은 보안 정책을 업무에 적용하고 있는 조직 근로자로 하였으며, 서베이 기법을 적용하여 선행연구를 통해 도출한 측정 항목의 응답 결과를 확보하였다. 구조방정식모델링을 통해 검증한 결과, 도전적, 방해적 스트레서가 준수 의도에 영향을 주었으며, 진성 리더십이 스트레서의 영향을 조절하였다. 결과는 내부자의 보안 준수 수준에 영향을 주는 스트레서 조건과 리더의 행동 방향을 제시하였기 때문에, 내부자 정보보안 목표 달성을 위한 구성원 지원 전략 수립에 도움을 준다.

• 무역상무연구
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• 제42권
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• pp.275-305
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• 2009

Marine insurance contracts, which intended to provide indemnity against marine risks upon the payment of price, known as a premium, originated in Northern Italy in the late 12th and early 13th centuries. The law and practice were later introduced into England through the Continent. It is, therefore, quite exact that English and European marine insurance law have common roots. Nevertheless, significant divergences between English and European insurance systems occurred since the late 17th century, mainly due to different approaches adopted by English courts. The rule of warranty in English marine insurance was developed and clarified in the second part of the 18th century by Lord Mansfield, who laid the foundations of the modern English law of marine insurance, and developed different approaches, especially in the field of warranty in marine insurance law. Since the age of Lord Mansfield, English marine insurance law has a unique rule on warranty. This article is, therefore, designed to analyse the overall rule of the rule of warranty in English marine insurance law. The result of analysis are as following. First, warranties are incorporated to serve a very significant function in the law of insurance, that is, confining or determining the scope of the cover agreed by the insurer. From the insurer's point of view, such the function of warranties is crucial, because his liability, agreed on the contract of insurance, largely depend on in, and the warranties, incorporated in the contract play an essential role in assessing the risk. If the warranty is breached, the risk initially agreed is altered and that serves the reason why the insurer is allowed to discharge automatically further liability from the date of breach. Secondly, the term 'warranty' is used to describe a term of the contract in general and insurance contract law, but the breach of which affords different remedies between general contract law and insurance contract law. Thirdly, a express warranty may be in any form of words from which the intention to warrant is to be inferred. An express warranty must be included in, or written upon, the policy, or must be contained in some document incorporated by reference into the policy. It does not matter how this is done. Fourthly, a warranty is a condition precedent to the insurer's liability on the contract, and, therefore, once broken, the insurer automatically ceases to be liable. If the breach pre-dates the attachment of risk, the insurer will never put on risk, whereas if the breach occurs after inception of risk, the insurer remains liable for any losses within the scope of the policy, but has no liability for any subsequent losses. Finally, the requirements on the warranty must be determined in according to the rule of strict construction. As results, it is irrelevant: the reason that a certain warranty is introduced into the contract, whether the warranty is material to the insurer's decision to accept the contract, whether or not the warranty is irrelevant to the risk or a loss, the extent of compliance, that is, whether the requirements on the warranty is complied exactly or substantially, the unreasonableness or hardship of the rule of strict construction, and whether a breach of warranty has been remedied, and the warranty complied with, before loss.

• 융합정보논문지
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• 제10권9호
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• pp.123-135
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• 2020

최근 조직들은 보안 사고 최소화를 위하여 엄격한 보안 정책 및 기술을 도입하고 있다. 반면, 엄격한 수준의 정보보안 도입은 조직원의 업무 스트레스를 발생시켜, 조직의 보안 목표 달성에 어려움을 줄 수 있다. 본 연구의 목적은 보안 관련 업무스트레스의 부정적 영향을 완화하는 방안을 제시하는 것이다. 금융산업에서 근무하는 조직원들을 대상으로 서베이를 실시하였으며, 266개의 표본을 확보하였다. 가설 검증은 AMOS 22.0을 활용하여 구조방정식모델링을 통해 실시하였다. 가설검증 결과, 업무 스트레스가 정보보안 준수의도에 부정적인 영향을 미쳤으며, 가치 일치가 업무 스트레스를 완화하는 것을 확인하였다. 또한, 보안 피드백이 변인간의 부정적 관계를 줄이는 것을 확인하였다. 결과는 이론적, 실무적 측면에서 조직원의 정보보안 관련 업무스트레스를 완화하기 위한 시사점을 제시한다.

• 한국중재학회지:중재연구
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• 제18권2호
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• pp.173-199
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• 2008

A letter of credit transaction of the preexistence have been raising one's head fraud charge problem as a result of abusing the principles of independence and abstraction. Every society has certain rules and conventions which it regards as important and most of people in any society. The paper document means a document in a traditional paper form. The eUCP credit must specify the formats in which electronic records are to be presented. In these present times, the issuance of documentary credit are performed by the SWIFT(Society for Worldwide Inter bank Financial Telecommunication) system. The eUCP have been written to allow for presentation completely electronically or for a mixture of paper documents and electronic presentation. Presentation is deemed not to have been made if the Beneficiary's notice is not received. An electronic record that cannot be authenticated is deemed not to have been presented. The e-UCP is the supplement of current existing UCP but is superior to UCP under some circumstances. The document shall include an electronic record. The place for presentation of electronic records means an electronic address. The current e-UCP is not clear on this matter. We have to note followings in case of presenting the documents electronically and applying the e-UCP. There are three principles in the letter of credit transaction, that is to say, independence and abstraction, document dealing, strict compliance. IN the electronic letter of credit, these principles are called as independence and abstraction, electronic document dealing, strict compliance.

• 종양간호연구
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• 제6권2호
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• pp.121-132
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• 2006

Purpose: The purpose of this study was to describe the lived experience of the patients with cancer participating in a clinical trial for the development of a new drug. Method: This study was based on a phenomenological approach. The eight patients participating in a clinical trial were selected as the participations of this study. The data were obtained through in-depth interviews from the participants and were analyzed using the Giorgi method. Results: Essential experiences of the patients with cancer under a clinical trial consisted of anticipating recovery of physical health and a social role, passing the strict criteria of a clinical trial, diminishing economic burden, satisfaction with special treatment receiving, social contribution, concerns about side effects and withdrawal from the clinical trial, conflicts as a participant, pain, limited administration of other treatments, regret for giving up other treatments, strict compliance with instructions, prevention of side effects and maintaining desirable life-style. Integrated units of meaning of these components were hope, good luck, a sense of satisfaction, fear, distress, and the will of self-control. Conclusion: The most essential meaning of the cancer patients participating in a clinical trial was hope. Hope was found to be a primary factor reinforcing the will of self-management. The results of this study can be of great help to the research nurses to understand the lived experience of the patients with cancer and to plan an effective nursing intervention for the patients.

• 무역상무연구
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• 제12권
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• pp.429-460
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• 1999

The letter of credit is quintessentially international. In the absence of international legal system, a private system based on banking practices has evolved, commanding the adherence of the international letter of credit community and providing the foundation of th reputation of this instrument. To maintain this international system, it is vital that international standard banking practice should not be subject to local interpretations that misconstrue or distort it. The UCP is a formulation of international standard banking practice. It is neither positive law nor a "contract term" in any traditional sense and its interpretation must be consonant with its character as a living repositary of international understanding in this field. As a result, the interpretation and application of specific articles of the UCP must be consistent with its evolving character and history and with the principles upon which sound letter of credit practice is predicated. This study, especially, focuses on article 13 and article 14 of the UCP500. Article 13(b) of UCP500 stipulates that banks will have a reasonable time, not to exceed seven days, to examine documents to determine whether they comply facially with the terms of the credit. The seven-day provision is not designed as a safe harbor, because the rule requires the issuer to act within a reasonable time. But, by virtue of the deletion of the preclusion rule in the document examination article in UCP500, however, seven days may evolve as something of a safe harbor, especially for banks that engage in strategic behavior. True, under UCP500 banks are supposed to examine documents within a reasonable time, but there are no consequences in UCP500 for a bank's violation of that duty. It is only in the next provision. Courts might read the preclusion more broadly than the literal reading mentioned here or might fashion a common-law preclusion rule that does not require a showing of detriment. Absent that kind of development, the change in the preclusion rule could have adverse effects on the beneficiary. The penalty, strict estoppel or strict preclusion, under UCP500 and 95UCC differs from the classic estoppel. The classic estoppel rule requires a beneficiary to show three elements. 1. conduct on the part of the issuer that leads the beneficiary to believe that nonconforming documents do conform; 2. reasonable reliance by the beneficiary; and 3. detriment from that reliance. But stict preclusion rule needs not detrimental reliance. This strict estoppel rule is quite strict, and some see it as a fitting pro-beneficiary rule to counterbalance the usually pro-issuer rule of strict compliance.

• 한국중재학회지:중재연구
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• 제16권3호
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• pp.161-189
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• 2006

This paper is aiming at analyzing case law of India in relation with reasonable time to make decision whether to accept or to refuse the documents received from the presenter in credit transactions. As specified in UCP, the failure to refuse to accept the documents within a reasonable time precludes the Issuing Bank, Confirming Bank (if any) and Nominated Bank from asserting that they are discrepant. Compliance of the stipulated documents on their face with the terms and conditions of the credit shall be determined by international standard banking practice as reflected in this Articles of UCP 500. The Issuing bank is only to be held responsible for honoring the documents presented by beneficiary through the nominated banks if they are strictly in compliance with terms and conditions of the Credit. As any well experienced banker knows, however, a word-by-word, letter-by-letter correspondence between the documents and the credit terms means a practical impossibility. Thus the notion of reasonable care in conjunction with the doctrine of strict compliance mixed with International Standard Banking Practices has not played a right functional standard for checking the documents as stipulated in the credit and UCP 500. And so the rejection rate is highly estimated at approximately 50% in EU and 40 to 70% according to their geographical locations in the USA. As a result, it can possibly be inferred from this fact that the credit industry would be facing the functional failure as the international trade credit facility, if not supported with motive power as a relevant scheme in UCP 500. It is quite important to note that UCP 500 Article 13(b) which specify the time limit for the banks to notify the presenter their decision not to accept the documents within a reasonable time not to exceed seven banking days following the day of receipt of documents would be the motive engine to improve the negotiability of documents in international trade financial facility.

• 무역상무연구
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• 제36권
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• pp.29-46
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• 2007

The fraud exception rule allows for the issuing bank to dishonor the claim if it the documents and transactions bear fraud though the documents presented are complied with the terms and conditions of the letter of credit. A question arises whether the fraud exception rule can apply to innocent beneficiary when fraud is made by 3rd party. United City Merchants v. Royal Bank of Canada showed a good example how to handle in case of innocent beneficiary. At this case House of Lord found that innocent beneficiary deserves payment applying nullity exception rule. I believe that the nullity exception rule is employed for the benefit of innocent beneficiary as far as the issuer and applicant get no actual damage by the 3rd party's fraudulent action which is shown on documents.