FEATURES OF BANK PAYMENT OBLIGATIONS (BPO) AS A NEW PAYMENT INSTRUMENT IN THE FRAMEWORK OF THE SWIFT TSU PLATFORM

The article presents the characteristics of the Bank payment obligation (BPO) in the framework of international trade in order to study one of the new and promising forms of non-cash payments. Special attention is paid to the specifics of this form of payment, its positive and negative sides. In addition, to clarify the importance and significance of Bank payment obligations in the context of international trade relations, the statistics of its use at the international level. At the same time, the question of the effectiveness of the Bank payment obligation in Russia and the prospects of its widespread use as an analogue of traditional forms of non-cash payments remains debatable. Moreover, taking into account the innovative nature of this new payment instrument, the problem of the correct legal regulation of the Bank payment obligation remains open.