영국의 소액자동결제시스템(Automated Clearing House) 제도의 검토

Abstract

In order to cope with the sudden change of the financial settlement environment such as participation of micro-settlement system of non-bank financial institution and interdependence between settlement systems, the size of the micro-automatic payment system is rapidly increasing in Korea, it is quite necessary to check the system and take measures for improvement if necessary. In particular, I believe that policy implications can be extracted from the UK system developed in this paper. This paper examines the actual situation of the payment system and the related financial institution system as the demand for the enhancement of the payment service in Korea becomes higher and contributes to the reference in the policy review of the financial supervisory organization for the future settlement advancement of Korea. As a small payment system (ACH) in this paper, this study can be a guide to explore the direction of Korea’s ACH in the future. With the globalization of corporate business and individual consumption behavior, movements across the border of people, goods, and money have become active in many parts of the world. As a result, the demand for ACH (Automated Clearing House) and banking services provided to businesses and consumers in various countries is changing. Aligning and upgrading ACH and banking services, the basic infrastructure of capitalist society, to changing needs is crucial not only to improve service but also to prevent the country from falling economically to the rest of the world. As the settlement of domestic payments proceeds in emerging countries, the payment system of each country is being divided into economic units. Moreover, the international settlement system has been formed by taking into consideration regional characteristics by the linkage system of the economic region. In addition, the global scheme of retail settlement is complementary and will continue to be linked and collaborative, and global transformation is expected to spread more rapidly and more rapidly. This paper reviews the UK’s micro-payment system. It is not necessary for the financial system to follow the UK, but we have developed the capitalist economic system before us, have the major financial institutions in the world financial market, and realistically understand the UK system which has a strong influence on the financial system. We hope that this study will help to upgrade one step.