학술논문
중국 신용장거래에서 은행의 서류심사 실태분석에 관한 연구 / Survey results of bank's documents examination in documentary credit transactions of China
Document Type
Dissertation/ Thesis
Source
Subject
Language
Korean
Abstract
본 연구는 중국은행에서 신용장거래의 서류심사기준 및 서류심사 기간, 불일치 비율, 은행의 형태별, 기업 규모에 따라 서류심사관행 및 특성을 파악하고, 이에 대한 실태분석을 통하여 무역실무자 및 은행 서류심사 담당들에게 실무적 시사점을 제시하였다.자료는 중국 요닝성과 산동성의 시중은행 및 북경 본점에 근무하는 신용장 서류심사 담당 은행원들을 대상으로 방문조사 및 we-chat으로 온라인 조사를 실시하였다. 설문지는 총 110부 수집하였으나 그중에 13부 응답 부실로 제외하고 97부을 분석하였다. 주요 분석내용은 서류심사기준 및 서류심사 소요기간, 은행원들이 생각하는 적절한 서류심사기간, 서류 심사시에 은행원이 우선 고려하는 원칙, 은행유형별 생각하는 적절한 서류심사기간, 서류심사 평균소요일수, 은행지급별 서류심사 평균소요일수, 기업규모별 은행원이 생각하는 적절한 서류심사기간 등에 어떠한 인식의 차이가 있는지 분석하였다. 분석결과, 은행별로 생각하는 적절한 서류심사기간 및 서류심사 소요일수는 유의한 결과가 있었으며, 은행원의 직급에 따라 서류심사 평균소요 시간에 대한 인식에서도 유의한 결과가 도출되었다. 또한 기업의 규모에 따라 서류심사기간의 적절성에 대해서도 인식의 차이가 있었다.
This study analyzes the document examination practices and characteristics of bankers of China Bank and suggests practical implications to trade practitioners and bankers.In particular, the questionnaire survey was conducted to determine whether there was a difference in the examination period or the inconsistency ratio depending on the differences in the document examination criteria, document review period, company size and transaction amount in the letter of credit transaction.The data were collected through face-to-face surveys and we-chat online surveys of bank employees working in commercial banks in Yoning Province and Shandong Province, China. A total of 110 questionnaires was collected, but 97 of them were analyzed, excluding 13 respondents. The main contents of the analysis are the document review criteria and period required for document review, the appropriate document review period considered by bankers, the criteria considered first in document review, the document review period by bank type, the average number of paper review days, and the duration of the appropriate document review ect.As a result of the statistical analysis, there were significant results of the appropriate document review period and document review days by types of bank. Also, according to the positioning level of the banker 's office, some significant results were obtained in the difference of perception of the average time spent in document review. In addition, there was statistical significance differences in perception of document review period, depending on the size of the company.
This study analyzes the document examination practices and characteristics of bankers of China Bank and suggests practical implications to trade practitioners and bankers.In particular, the questionnaire survey was conducted to determine whether there was a difference in the examination period or the inconsistency ratio depending on the differences in the document examination criteria, document review period, company size and transaction amount in the letter of credit transaction.The data were collected through face-to-face surveys and we-chat online surveys of bank employees working in commercial banks in Yoning Province and Shandong Province, China. A total of 110 questionnaires was collected, but 97 of them were analyzed, excluding 13 respondents. The main contents of the analysis are the document review criteria and period required for document review, the appropriate document review period considered by bankers, the criteria considered first in document review, the document review period by bank type, the average number of paper review days, and the duration of the appropriate document review ect.As a result of the statistical analysis, there were significant results of the appropriate document review period and document review days by types of bank. Also, according to the positioning level of the banker 's office, some significant results were obtained in the difference of perception of the average time spent in document review. In addition, there was statistical significance differences in perception of document review period, depending on the size of the company.