1 / /2010.1 105
1. 1 1 1 2008 5 2 2008 10 3 1 4 2007 8 1 2008 32 2 2008 5 12 2009 1 2009 2009 3 6 2008 12 2008 3 1842 32 4 2006 10 2009 4 2009 http://www.shojihomu.or.jp/saikenhou/indexja.html 2005 11 2009 1 21 1 1 2009 106 /2010.1
2009 9 5 2 3 4 5 6 6 7 7 2. 1 2 3 4 5 5 6 2 2 7 2 2 107
6 1 8 9 10 1 11 12 2 8 9 2002 1 2006 1 10 DVP 11 12 2008 1 144 1 9,396 1 135 1 559 10 9,669 1 196 2008 108 /2010.1
. A B B A A B A B A B 4 3 13 14 A 15 B 13 14 2005 100 15 17 44 109
16 17. 3 18 19 A B 1 1 20 16 2004 159 17 2003 4 2003 14 1 3 2 1986 11 44 18 19 20 110 /2010.1
. 3 4 5 3 21 22 23. 3 1 2001 5 1 2011 23 RTGS RTGS 2008 24 29 21 11 22 13 23 1991 9 2000 130 6 6 2003 31 33 111
24 649 25 26 27. 28 24 2000 153 156 2003 74 75 419 429 2004 221 3 1 25 2000 153 156 26 3 ATM 13 3 4 17 44 27 2007 205 23 6 28 2000 156 1998 38 23 6 2003 68 69 2007 314 315 320 321 112 /2010.1
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45 6 4 3 2 2 46 45 1979 102 107 1984 116 117 1983 155 156 46 A B A X A X A X B Y Y B A B 73 2006 2003 79 81 Uniform Commercial Code UCC 8 116 /2010.1
47 3. 1. 1 47 3 117
48 49 50 ATM 51 52. 53 54 48 1997 192 200 2005 195 196 49 2000 129 50 2000 129 2003 325 118 51 2 4 52 2000 179 53 2003 67 72 410 414 2000 205 210 1996 195 210 2001b 97 128 54 2 3 118 /2010.1
55 56 57 55 1990 35 56 2000 226 57 11 119
58 59 60 61 58 2003 423 59 2003 426 2000 231 232 60 2000 227 56 61 2003 419 120 /2010.1
62 63 64 65 66. 67 62 1 2003 75 181 2000 231 63 2002 170 64 65 2002 136 66 2002 169 170 67 8 4 26 50 5 1267 121
68 69 70 71 UNCITRAL 72 UCC 4A EU 73 Money-Back Guarantee: 74 6 1 68 2006 43 44 2005 24 69 2003 72 78 419 441 70 2003 72 78 419 441 71 2003 77 107 2 2003 75 77 2002 225 72 UNCITRAL Model Law on International Credit Transfers. 1992 UNCITRAL: United Nations Commission on International Trade Law 73 2007 11 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, 5.12.2007, pp. 1 36. EU EU 2009 11 1 2009 158 160 74 2003 72 78 419 441 122 /2010.1
2 666 75 1 76. 77 78 75 1962 729 1984 115 116 1983 2 1983 158 76 1962 742 1962b 435 2000 137 143 4 1 2009 385 386 77 48 3 27 27 2 376 1979 22 26 78 1 2005 17 2005 17 21 1 22 63 1 228 123
79 80 81. 82 83 79 2006 25 2005 491 80 2008a 1 81 4 76 138 159 2009 385 386 82 1962a 630 1962b 435 83 2000 143 144 2008a 1 124 /2010.1
100 100 100 2 1 1 84 1 85 86 87 1 84 2000 144 2008a 1 85 2007 206 2001 830 fungible 86 2007 467 2009 18 87 125
2 4 1 88 4. 89 1 90 91 88 112 5 2 89 缼 90 15 91 2008 126 /2010.1
. 93 96 92 93 94 95 96 97 92 2003 236 237 93 4 21 1986 97 99 2003 204 205 94 2003 242 243 2 2 3 1996a 134 95 1986 96 96 1986 97 99 97 2003 235 246 240 243 127
98 99 100 101 102 40 3 98 2003 243 1987 87 99 100 10 1 2 101 96 2 102 93 128 /2010.1
103 95 104 96 2 3 103 4 1 BOLERO EU BOLERO Pilot Project 1995 BAL BOLERO Association Ltd. 1999 104 3 95 95 3 95 2005 47 3 2003 244 129
96 1 105 106 107 108 109 110 105 ATM 106 40 2 23 77 557 107 2009 151 108 1986 94 109 1976 319 320 1997 195 110 2000 129 160 49 3 1 130 /2010.1
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116. 478 117 113 1 118 8 67 15 3 12 57 3 322 8 2006 44 8 15 20 10 10 62 9 2361 8 15 2009 18 2008b 116 8 67 2 10 25 862 24 1991 17 8 3 11 28 774 192 117 118 2003 157 132 /2010.1
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124 125 126 127 128 2008 2 6 5 3 478 124 18 7 13 1785 45 19 4 12 1807 42 2008 65 68 125 18 7 13 1785 45 126 478 2005 249 8 1 1 10 2003 178 478 127 2007 56 2006 1 128 1987 224 2008 59 68 134 /2010.1
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4 1 3 4 1 131 3 131 1 1 20 136 /2010.1
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140. 141 142 143 140 2003 282 1997 33 2004 30 4 2009 385 386 141 7 142 2003 265 2006 6 1986 99 104 156 164 1998 194 198 2001a 67 1997 457 459 143 18 7 20 60 6 2475 5 2006 20 17 10 7 1227 12 139
2 651 144 1 145 146 147 148 144 1991 25 641 145 8 146 2005 12 147 1991 24 26 1993 4 5 148 3 2 3 2 140 /2010.1
149 150 151 152 149 1995 50 51 1986 185 240 1991 24 25 150 2005 12 151 2000 189 196 189 2003 339 8 67 346 152 3 1 141
153 154. 155 156 157 158 159 153 2000 190 196 154 2000 195 155 160 161 127 127 2 86 86 2 162 127 3 86 3 156 0 19 2 17 2 18 2 30 2 33 2 41 2 157 2005 209 2007 221 243 2007 233 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, 11.6.1998, pp. 45 50. 158 159 142 /2010.1
2.. 160 161 4 2009 385 386 160 RTGS RTGS 2008 24 29 161 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
4 2. 162 162 EU 3 1 13 unwinding 144 /2010.1
163 164 163 5 1 25 47 1 344 72 1 164 69 2 145
1 5 1 165 6. 4 5 1. 166 167 165 8 4 26 50 5 1267 67 166 2003 419 167 1964 105 106 2006 38 44 2002 55 146 /2010.1
168 169 3 1 170 171 4 2009 136 138 168 2002 47 169 2007 57 170 2000 231 232 171 3 1 147
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187 188 1 2 189 416 416 190 187 15 5 22 5 386 1964 118 120 1971 7 8 1998 1 56 2008 153 171 1971 3 507 2005 151 176 1988 32 188 416 189 2008 160 162 2008 162 4 2009 139 140 190 UCC 4A 152 /2010.1
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19 192 193 192 4 2009 62 193 4 8 10 2009 105 121 154 /2010.1
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