일중당좌대출제도,입금이체,자금관리서비스(CMS)공동망

일중당좌대출제도
일중당좌대출제도는 한은금융망의 자금결제가 원활히 이루어지도록 은행 참가기관에 대하여 영업시간 중 일시적인 결제부족자금을 실시간으로 지원하는 제도로 2000년 9월 도입되었다. 일중당좌대출은 한국은행에 개설된 참가은행의 당좌예금계좌 잔액을 초과한 지급 또는 결제의 요청이 있는 경우 가용담보 범위 내에서 자동으로 실행되는 방식으로 운용된다. 은행별 일중당좌대출의 한도는 없으나 참가기관의 일중당좌대출에 대한 과도한 의존을 방지하기 위하여 자유한도(금융기관 자기자본의 25%)를 초과하는 대출금에 대해 이자를 부과하고 있다. 한편 은행이 당일 중 상환마감시각까지 일중당좌 대출금을 상환하지 못하는 경우에는 한국은행의 익일물 자금조정대출로 전환하여 지원 하고 있다. 한편 한은금융망에 참가하는 비은행금융기관에 대한 일중유동성 지원은 일중RP를 통해 이루어진다.

반응형

입금이체
입금이체(credit transfer)는 지급인이 자신이 거래하는 금융기관에 지급을 지시하여 이체금액을 수취인의 계좌로 입금하도록 하는 계좌이체 방식을 말한다. 지급인의 지급지 시에 의해 지급인의 계좌에서 출금이 일어나므로 지급지시와 자금 모두 지급인 거래은행 에서 수취인 거래은행으로 이동한다. 우리나라의 경우 금융기관간 계좌이체의 대부분은 입금이체에 해당되며 지로의 자동이체와 CMS 출금이체서비스는 출금이체에 해당한다.


자금관리서비스(CMS)공동망
CMS(Cash Management Service)공동망은 금융기관을 통해 대량의 출금 및 입금서비 스를 제공하는 시스템으로 금융결제원이 1996년 8월부터 가동하였다. 먼저 출금이체 서비스는 각종 상품 판매대금, 서비스 이용대금, 수업료, 회비 등 납부자가 지정된 각종 수납대금을 다수의 납부자 예금계좌나 예탁금계좌에서 출금하여 이용기관의 수납계좌 로 입금시키는 업무로서 지로 자동이체와 유사하다. 입금이체 서비스는 각종 상품 구입 대금, 배당금, 연금, 급여 등을 이용기관의 지급계좌에서 자금을 인출하여 타 금융기관의 수취인 계좌로 자금을 지급하는 업무로서 지로의 대량지급과 비슷하다. CMS는 각종 사회단체, 학교 및 학원 등을 중심으로 활발히 이용되고 있으며 이를 통해 비교적 저렴한 비용으로 매번 금융기관을 방문하거나 인터넷뱅킹 등을 통해 이체하지 않고 정기적인 대금 수납 및 지급을 처리할 수 있다.

a one-party loan system
The one-day loan system was introduced in September 2000 as a system that provides real-time support for temporary payment shortages during business hours to bank participating institutions to facilitate the settlement of funds in the BOK financial network. Daily left loans are operated automatically within the available collateral range when there is a request for payment or payment exceeding the balance of the checking account of the participating bank opened at the Bank of Korea. Although there is no limit on daily installment loans by bank, interest is imposed on loans exceeding the free limit (25% of financial institutions' equity capital) to prevent participating institutions from becoming excessively dependent on daily installment loans. On the other hand, if the bank fails to repay the daily installment loan by the deadline for repayment on the day, it is converted to the Bank of Korea's next-day fund adjustment loan to support it. Meanwhile, Japan-China liquidity support for non-bank financial institutions participating in the BOK financial network is provided through Japan-China RP.


Deposit transfer
Credit transfer refers to an account transfer method in which the payer instructs the financial institution he or she deals with to deposit the transfer amount into the recipient's. Since withdrawal from the payer's account occurs due to the payer's payment instruction, both the payment instruction and the funds are moved from the payer's bank to the payer's bank. In Korea, most account transfers between financial institutions correspond to deposit transfers, and Jiro's automatic transfer and CMS withdrawal transfer services correspond to withdrawal transfers.

Common Network of Money Management Services (CMS)
The CMS (Cash Management Service) joint network is a system that provides large amounts of withdrawal and deposit services through financial institutions, and the Korea Financial Telecommunications & Clearings Institute has been in operation since August 1996. The withdrawal transfer service is similar to automatic geo transfer, as it withdraws various payments designated by payers, such as various product sales, service usage, tuition, and dues from multiple payer deposit accounts and deposits them into the receiving account of the institution. The deposit transfer service is similar to mass payment by Giro, which withdraws funds from the payment account of the institution and pays funds to the recipient account of another financial institutions, including various product purchases, dividends, pensions, and salaries. CMS is actively used by various social organizations, schools, and academies, and can handle regular payments without visiting financial institutions or transferring them through Internet banking at a relatively low cost.