银行间提款协议(IWP): Rastin银行的补充体系

B. Bidabad, Mahmoud Allahyarifard
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引用次数: 6

摘要

目的:本文旨在定义一种新的协议,从而为银行通过从签署协议的其他银行和金融机构的债务人账户中提取其索赔或其客户的索赔提供所需的准备。设计:根据本协议,在中央银行的监督下,银行(作为所有者或第三方的代理人)作为支票、本票、票据或由客户基于抵押品或担保的承诺发起的债务的索赔人,通过自动清算所(ACH)从债务人在其他银行和金融机构的账户中提取索赔。调查结果:尽管有抵押品、担保和合同约束力,但通过法律程序的行政债务催收过程是银行、金融机构和个人面临的主要挑战。通过抵押品和担保催收债务的法律和执行过程是复杂、漫长和昂贵的。银行间提款协议(IWP)解决了这个问题,它提出了一个被银行接受的协议,允许债务人从其他银行提款。实际含义:一个人欠一个人或银行很多钱,但他/她把钱存在其他银行的账户里。银行间提款协议(IWP)是银行之间的协议,允许银行在耗尽债务人在代理银行的账户后,通过在线提款从债务人在其他银行的账户中收取债务。社会影响:该议定书增加了承诺的可靠性和安全性,并提供了快速结算和债务催收,而无需耗时的司法程序。它还减少了司法程序和在法院执行正在进行的档案,从而减少了有关费用。原创性/价值:Rastin银行的互补系统旨在解决银行和金融活动的普遍问题。国际清算方案的目的是提供必要的安排,以便迅速、干净地催收债务和兑现支票和收取账单。耶利米:1986年,1987年,21年,24年
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Interbank Withdrawal Protocol (IWP): A Complementary System of Rastin Banking
Purpose: This paper aims to define a new protocol, whereby brings the required preparations for the bank to collect its claim or its customer’s claim through withdrawal from the debtor’s account in other banks and financial institutions that have signed the protocol. Design: According to this protocol and under central bank supervision, the bank (as owner or attorney of the third party) as claimer of check, promissory note, bill, or a debt initiated by customer's commitment based on collaterals or guarantees, withdraws the claim from the debtor’s accounts in other banks and financial institutions that are members of the protocol through Automatic Clearing House (ACH). Findings: Despite taking collaterals, guarantees, and binding of contracts, executive debt collection process through the legal proceedings is a major challenge that banks, financial institutions, and persons are facing. The legal and execution process of debt collection through collaterals and guarantees are complicated, lengthy, and costly. Interbank Withdrawal Protocol (IWP) solves the problem by proposing a protocol to be accepted by banks to permit withdrawal of the account of the debtor in other banks. Practical implications: It is seen much that a person owes a lot to a person or bank, but s/he deposits her/his money at her/his accounts in other banks. The Interbank Withdrawal Protocol (IWP) is an agreement between banks which permits the bank to collect the debt through online-withdraw from the accounts of the debtor at other banks after depleting the account of the debtor at the agent bank. Social implications: This protocol increases reliance and security upon commitments and provides fast settlement and debt collection without time-consuming judicial process. It also reduces judicial proceedings and execution of active files in courts and consequently related costs. Originality/value: Complementary systems in Rastin Banking have been designed to solve the prevailing problems of banking and financial activities. IWP was designed to provide necessary arrangements for fast, clean debt collection and encashing check and collecting the bill. JEL: L86, L87, G21, G24
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