* ½Å¿ëÀå ¹æ½ÄÀÇ Á¾·ù
3-1. ØâìýãáéÄíî(negotiation credit)
½Å¿ëÀåÀ» °¡Áö°í ¹ßÇàµÈ ȯ¾îÀ½ÀÌ ¸ÅÀÔ(negotiation)µÇ´Â °ÍÀ» ¿¹»óÇÏ¿© ¸ÅÀÔÀ» Çã¿ëÇÏ°í,
¾îÀ½ÀÇ ¹ßÇàÀÎ(drawer)»Ó¸¸ ¾Æ´Ï¶ó ¾îÀ½ÀÇ ¹è¼ÀÎ(endorser), ¾îÀ½ÀÇ ¼±ÀÇÀÇ ¼ÒÁöÀÎ(bona-fide
holder)¿¡ ´ëÇؼµµ Áö±ÞÀ» È®¾àÇÏ°í ÀÖ´Â ½Å¿ëÀåÀ» ¸»ÇÑ´Ù.
¸ÅÀԽſëÀå¿¡¼ ƯÈ÷ ¸ÅÀÔÀºÇàÀÌ ÁöÁ¤µÇ¸é ¸ÅÀÔÁ¦ÇѽſëÀå(restricted credit)ÀÌ°í,
ÁöÁ¤µÇÁö ¾ÊÀ¸¸é ÀÚÀ¯¸ÅÀԽſëÀå(freely negotiable credit; open credit; general credit)ÀÌ´Ù.
¢Ñ ¸ÅÀԽſëÀåÀÇ Æ¯Â¡ : ¼öÃâÁöÀÇ ¸ÅÀÔÀºÇàÀÌ ¹ßÇàÀºÇàÀÇ ¹«¿¹Ä¡È¯°Å·¡ÀºÇàÀÎ °æ¿ì¿¡ »ç¿ëµÇ¸ç, ¼·ù ¸ÅÀÔÀǷڽÿ¡ ¾îÀ½À» Á¦½ÃÇÏ¿©¾ß ÇÏ°í, À϶÷Ãâ±Þ ¶Ç´Â ±âÇѺνſëÀåÀ¸·Î »ç¿ëµÈ´Ù.
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