한국과 일본에서의 전자어음과 전자채권

In Korea Electronic Sale Credits('ESC') and Electronic Promissory Note('EPN') under the Electronic Drawing and Endorsement of Promissory already have introduced, also now will be begun Electronic Credits('EC') under Electronic Financial Transaction Act(Bill)('EFTA') as a result of the development of the electronic commercial transactions, the appearance of the various electronic settlements, the introduction of the Electronic Securities and the efforts to resolve the abuse of the promissory note regime. In Japan where are similar to situation of Korea, on the one hand, Sin-Young Bank at Okinawa-Hyun begun Electronic Note Service May 2003, on the other hand Japanese government is examining about EC. ESC, EPN and EC all have financing regimes through credits in business between companies in common. Although the ESC under the Electronic Sale Credits Transaction Basic Article in Korea are one of EC, there are differences from EC under the EFTA in the aspects of the concept, the possibility of transfer, the limits of drawing and the managing agency. There are opinions which consider ESC as substitution for Promissory Note, but ESC and EPN are complementary. In addition to EFTA in Korea and EC under Electronic Credits Act(Assumed) in Japan are not the securities but credits basically. Therefore each of ESC, EPN and EC are expected to perform their roles.