取引法の観点からみた資金決済に関する諸問題

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らむもてぎ
5 years ago
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1 1 / /

2 /2010.1

4 DVP , , /2010.1

5 . A B B A A B A B A B A 15 B

6 A B /2010.1

7 RTGS RTGS

8 ATM /2010.1

10 4. 35 large-value payment Systemically Important Payment Systems 39 1 Committee on Payment and Settlement Systems CPSS CPSS [2005] p disruption CPSS [2001] p CPSS G10 CPSS /2010.1

11 41 CPSS [2003] CPSS [2001] p CPSS [2003] p

12 A B A X A X A X B Y Y B A B Uniform Commercial Code UCC /2010.1

14 ATM b /2010.1

16 /2010.1

18 UNCITRAL 72 UCC 4A EU 73 Money-Back Guarantee: UNCITRAL Model Law on International Credit Transfers UNCITRAL: United Nations Commission on International Trade Law Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC, OJ L 319, , pp EU EU /2010.1

19 b

20 a a b a /2010.1

21 a fungible

22 缼 /2010.1

23 a

24 /2010.1

25 BOLERO EU BOLERO Pilot Project 1995 BAL BOLERO Association Ltd

26 ATM /2010.1

27 c

28 b /2010.1

29 ATM ATM b cheapest cost avoider

30 /2010.1

31 UNCITRAL 5 2 payment order commercially reasonable method 2 i UCC 4A payment order authenticity verify commercially reasonable method UCC 4A 202 b commercial reasonableness c 202 c

32 /2010.1

33 CPSS [2003] p. 24 final settlement the discharge of an obligation by a transfer of funds and a transfer of securities that have become irrevocable and unconditional a, b, CPSS 40 CPSS [2001] pp b

34 A B B AB A B A B A AB UNIDROIT /2010.1

35 a

36 /2010.1

38 EU Directive 98/26/EC of the European Parliament and of the Council of 19 May 1998 on settlement finality in payment and securities settlement systems, OJ L 166, , pp /2010.1

39 RTGS RTGS EU UCC 4A acceptance UCC 4A 211 c funds-transfer system rule c e originator s bank intermediary bank beneficiary s bank 209 EU transfer order 5 143

40 EU unwinding 144 /2010.1

42 /2010.1

44 UNCITRAL UCC 4A EU /2010.1

45 Cooter and Ulen [2003] pp Shavell [2004] pp

46 Cooter and Rubin [1987] pp /2010.1

47 consequential damage UCC b Evra UCC 4A UCC 4A UCC 4A 305 a UNCITRAL UCC 4A

48 UCC 4A 152 /2010.1

49 UCC 4A 305 d Federal Reserve Act Board of Governors of the Federal Reserve System Regulation J Subpart B Fedwire Regulation J a EU EU TARGET2 ECB GUIDELINE OF THE EUROPEAN CENTRAL BANK of 26 April 2007 on a Trans-European Automated Real-time Gross settlement Express Transfer system TARGET2 1 fraud willful misconduct gross negligence 2 ordinary negligence AnnexII: Harmonised Conditions for Participation in TARGET

50 /2010.1

51 NBL a b UNCITRAL EFT a EFT b c

52 III I II /2010.1

53 UCC Article 4A a b FSA NBL III

54 NBL a b NBL NBL /2010.1

55 III a b V IV Committee on Payment and Settlement Systems (CPSS), Core Principles for Systemically Important Payment Systems, 2001., The Role of Central Bank Money in Payment Systems, 2003., New Developments in Large-Value Payment Systems, Cooter, Robert, and Thomas Ulen, Law and Economics 4th ed., AddisonWesley, 2003., and Edward Rubin, A Theory of Loss Allocation for Consumer Payments, Texas Law Review, 66 (1), 1987, pp Shavell, Steven, Foundations of Economic Analysis of Law, The Belknap Press of Harvard University Press,

56 160 /2010.1

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