핀테크 발전에 따른 무역결제방식의 변화와 법적 논의사항

신창섭(Chang-Sop SHIN),김희준(Hee-Jun KIM) 한국무역상무학회 2020 貿易商務硏究 Vol.87 No.-

핀테크(Financial technology: FinTechs) 산업의 발전으로 국내에서 대금을 결제하는 방식은 급격한 패러다임의 전환에 직면하고 있다. 국내법적으로는 급격한 기술의 발전이 가져다주는 결제환경의 변화를 성공적으로 수용해오고 있는 것으로 평가된다. 비교적 신속한 법적 대응이 가능했던 이유는 급속한 결제방식의 변화가 대한민국이라는 국경 내에서 이루어졌기 때문이다. 국경을 넘나드는 무역거래에서 대금결제와 관련한 법적인 논의는 한층 어렵다. 한 국가 내에서 관련 법률을 제 · 개정하는 것으로 문제가 해결되지 않기 때문이다. 경우에 따라서는 통일된 규칙의 제정까지가 수반되어야 하며, 이 경우 각기 다른 법체계를 지니고 있는 국가 간 협의가 필요하다. 본 연구에서는 핀테크 발전으로 기대되는 효과를 계약의 체결, 대금결제, 환어음의 매입으로 나누어 살펴보았고 이들이 동일한 무역대금 결제플랫폼 내에서 이루어질 경우, 각 단계에서 이루어져야할 법적 논의사항들을 선제적으로 제시해보았다. 물론 모든 상황은 가변적이다. 핀테크 발전이 무역대금결제를 어떠한 모습으로 바꾸어 놓을지 어느 누구도 확실히 예측할 수는 없다. 하지만 복잡하게 얽혀있는 참여주체들의 이해관계를 조정하고 새로이 구축된 플랫폼 위에서 무역절차가 수행될 수 있도록 국제적으로 협력해 가는 일은 어느 때 보다 중요해졌다. 또한 법 · 제도적 미비로 인하여 핀테크의 상용화를 저해하는 경우를 사전에 방지할 필요가 있다. 거래단계에 따라서 기존 법률을 수정, 보완하는 것이 효율적인 경우가 있을 것이다. 또한 특별법을 별도로 제정하거나 협약 등을 통해 법적인 불확실성을 벗어나는 것이 바람직할 수도 있다. 어떠한 선택을 할 것인지는 거래단계가 지닌 특성에 따라 각기 다를 것이다. 본 연구를 통한 논의의 결과물이 새로운 플랫폼 구축 및 활성화에 도움이 될 수 있기를 바라며, 더 나아가 지급결제의 안정성 확보에 일조할 수 있기를 기대한다. The way payments are made in trade is also facing a paradigm shift. The development of the fintech industry will change trade payment practices based on the speed of the financial sector. Despite the high interest in the development of fintech technology, no one can be sure what the actual payment will be like. Even though high interest is focused on the development of fintech, no one can be sure what the actual payment will look like. The digitization of trade has been attempted several times so far, but as a result, it is difficult to assume that the trading practices of most trade participants have changed. If the innovative trade payment platform that successfully replaces existing trade payment practices is successfully built and commercialized, the aftermath can be revolutionary. It is expected that the convenience of participants in trade transactions will be greatly improved due to the rapid transaction, and the costs incurred in trade transactions can be reduced. We are now experiencing innovations such as simple payments and convenience brought by such innovations in the field of domestic payments. It can be predicted that the paradigm shift will come “very abruptly” when it comes to trade payments, just as domestic payments practices have changed dramatically. One concern with the trade settlement platform currently being promoted by various organizations is the lack of legal stability in trade settlement. Cross-border transactions require cross-border cooperation, as different legislation across countries will act as a deterrent. In this study, The authors intend to proactively review legal issues that may arise when an innovative trade payment platform is established according to the development of fintech.

공주군 자연부락 지명고-어 구조를 중심으로

이창섭 공주교육대학교 초등연구원 1973 公州敎大論叢 Vol.10 No.-

Kongju was the -capital of Paikchae Kingdom. So it is thought that many local cultural materials are buried in Kong ju area. This study is to reconstruct ancient languages, to understand an outline of cultural assets, and to find out characteristics of Koneju area, by analyzing critically the word -form into the prefix and the sujfix on the basis of the place-name of the villages. The place-name of 1060 villages are analyzed into 50 kinds of the prefix-form, 20 types of the prefix meaning, and 121 kinds of the suffix-form.

국민학교 교사의 국어 능력에 관한 조사-맞춤법을 중심으로

이창섭 공주교육대학교 초등연구원 1970 公州敎大論叢 Vol.7 No.2

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신장의 혈청Haptoglobin 생합성능에 관한 검토

표창현,심봉섭 中央醫學社 1971 中央醫學 Vol.20 No.4

It is believed that serum haptoglobin is mostly synthesized in the liver, since in severe hepatocelluar dysfunction the serum haptoglobin level is usually decreased. On the other hand, in various diseases including nephrosis the serum haptoglobin level is increased very much. Therefore, there exists possibility that haptoglobin is also synthesized in the xtrahepatic tissues. The present experiment was undertaken to determine whether the kidney is also able to synthesize the serum haptoglobin or not. Three cases of kidney transplantation which were performed at the St. Mary's Hospital of the Catholic Medical College were examined. Both kidneys of the patients were removed in all cases. The genetic types of serum haptoglobin were determined by the Smithies starch gel electrophoresis and it was found that the genetic types of serum haptoglobin was not changed after kidney transplantation. Hence, it was certainly concluded that kidney does not participate in the synthesis of serum haptoglobin.

1974年 美國貿易法 第301條에 관한 硏究

신창섭 서울市立大學校 1994 論文集 Vol.28 No.-

There are certain situations in which foreign government actions affecting trade or investment are detrimental to U.S. commerce. An American producer of goods or services relating to international trade may encounter foreign import restrictions that prevent or limit sales of its product or services in one or more export markets. At the same time, producers in a foreign country maintaining these import restrictions may be benefiting from trade agreement concessions made by the U.S. to compete in the U.S. market, possibly in the sale of the same products whose import and sale are restricted abroad. A foreign country may be giving a tariff preference to competing products from another country. A foreign country may subsidize exports of a competing product to this country or to third-country markets in which the American producer sells, or hopes to sell. A country may institute an export prohibition or limitation on a product essential to American business. These are all examples of situations involving foreign unfair trade practices detrimental to U.S. business. In such situations, U.S. law provides a mechanism known as "Section 301" for affected U.S. parties to invoke the USTR's authority to retaliate against such unfair practice. Section 301 is drawn in borad terms and is political in character. A distinctive feature of section 301 is the role that it plays in international negotiations. Enacted to serve as an enforcement vehicle for international trade agreements, section 301 is closely intertwined with existing international dispute settlement processes, such as those available under the General Agreement on Tariffs and Trade(GATT). Since section 301 is geared toward promoting dispute resolution through negotiation, disputes are most often resolved through consultations or international dispute settlement procedures that lead to elimination of the practice avoiding the need for retaliation. Retaliation when necessary is directed at imports. It can take one of several authorized forms, including additional duties and quotas, which depend on the foreign practice at issue. The relief afforded to U.S. business flows indirectly from the economic consequences of the action taken or resolution effected by the USTR. In addition to petitions for relief, there are situations when the USTR may or is required to initiate an investigaion. Two of these are so called Special 301 and Super 301. As revised in 1988, Section 301 can be a forceful tool to protect U.S. rights in international trade, particularly under trade agreements.

국민학교 국어교육의 문제점 분석 -문형지도를 중심으로-

이창섭 공주교육대학교 초등연구원 1976 公州敎大論叢 Vol.12 No.2

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우리나라와 중국 중재법에서 중재판정의 취소사유에 관한 연구

신창섭 韓國仲裁學會 2006 중재연구 Vol.16 No.2

The obligation on a national court to recognize and enforce arbitral awards as provided in Article III New York Convention, which both Korea and China have ratified, is subject to limited exceptions. Recognition and enforcement will be refused only if the party against whom enforcement is sought can show that one of the exclusive grounds for refusal enumerated in Article V(1) New York Convention has occurred. The court may also refuse enforcement ex officio if the award violates that state's public policy. This article explores the circumstances where arbital awards may be refused enforcement under the Korean and Chinese arbitration laws. It first analyzes the relevant statutory provisions. In Korea and China, which have adopted th UNCITRAL Model law, the grounds of challenge are exhaustively defined within their respective arbitration laws. According to their arbitration laws, an arbitral award may be set aside if a party making the application proves that (i) a party to the arbitration agreement was under some incapacity or the agreement is not valid under the applicable law, (ii) the party making the application was not given proper notice of the appointment of an arbitrator or of the arbitral proceedings or was otherwise unable to present his case, (iii) the award deals with a dispute not contemplated by or not falling within the terms of the submission to arbitration or contains decisions on matters beyond the scope of the submission to arbitration, or (iv) the composition of the arbitral tribunal or the arbitral procedure was not in accordance with the agreement of the parties, An arbitral award may also be set aside ex officio by the court if the court finds that (i) the subject-matter of the dispute is not capable of settlement by arbitration under the applicable law or (ii) the award is in conflict with the public policy. This article then reviews relevant judicial decisions rendered in Korea and China to see how the courts in these countries have been interpreting the provisions specifying the grounds for challenging arbitral awards. It concludes that the courts in Korea and China rarely accept challenges to arbitral awards thereby respecting the mandate of the New York Convention.

Korea's New Arbitration Act and its Implications for International Commercial Arbitrations in Korea

신창섭 한국중재학회 2006 중재연구 Vol.16 No.3

이 논문은 지난 10월 26일 및 27일 양일간에 걸쳐 서울의 Grand Intercontinental Hotel에서 개최된 국제중재학술대회 ICC/KCAB/KOCIA Conference에서 발표된 것으로 외국 변호사들의 이해를 돕기 위해 우리나라 중재법의 주요 내용을 설명하되, 특히 뉴욕협약과 국제상사중재에 관한 유엔모범법과 차이가 있는 부분을 주로 설명하였다. 이 논문은 우리나라 중재법이 규율하는 분야 중에서 그 적용범위, 중재적격, 통지의 서면성, 중재합의의 형식, 중간구제조치의 집행, 중재의 준거법 및 중재인의 선정 등에 관하여 설명하였다. 또한 이 논문은 우리나라가 일본, 중국 및 우리나라를 포함하는 동북아무역과 관련한 분쟁에서 중재의 중심지가 되어야 할 것을 연설하고, 이를 위해서 우리나라 유일의 중재기관인 대한상사중재원이 중재인 및 사무국 분야에서 개선이 필요함을 주장하였다.

學內 落書를 通한 公州敎大生의 生活側面에 對한 調査硏究

李昌燮 공주교육대학교 초등연구원 1978 公州敎大論叢 Vol.14 No.2

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기계적으로 합금화된 A1-Ni 분말의 특성

李相鎬,邊昌燮 大田産業大學校 1994 한밭대학교 논문집 Vol.11 No.0201