{"id":204256,"date":"2020-12-03T12:56:35","date_gmt":"2020-12-03T04:56:35","guid":{"rendered":"https:\/\/beta2.law.asia\/?p=204256"},"modified":"2022-09-01T18:30:39","modified_gmt":"2022-09-01T10:30:39","slug":"changes-account-cash-credit-overdraft","status":"publish","type":"post","link":"https:\/\/beta2.law.asia\/kr\/changes-account-cash-credit-overdraft\/","title":{"rendered":"\uacc4\uc88c \uac1c\uc124 \uaddc\uc81c \u2013 \ub4dd\uc778\uac00 \uc2e4\uc778\uac00"},"content":{"rendered":"<p style=\"text-align: left;\">2020\ub144 8\uc6d4 6\uc77c \uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uc740 \uc2dc\uc911 \uc740\ud589\ub4e4\ub85c \ud558\uc5ec\uae08 \ub2f9\uc88c\uc608\uae08, \ud604\uae08\uc2e0\uc6a9, \ub2f9\uc88c\ub300\uc6d4 \uacc4\uc88c\uac00 \ubaa8\ub450 \uac1c\uc124\ub41c \uace0\uac1d\ub4e4\uc758 \uacc4\uc88c\ub97c \uac10\ub3c5\ud558\ub3c4\ub85d \uc694\uccad\ud558\ub294 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc804\uc5d0\ub294 \ud68c\uc0ac\ub4e4\uc774 \uc5ec\ub7ec \uac1c\uc758 \ub2f9\uc88c \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uc5ec \ud604\uae08 \ud750\ub984\uc758 \ubaa8\ub2c8\ud130\ub9c1\uc774 \uc5b4\ub824\uc6b4 \uce21\uba74\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ubcf8 \uc9c0\uce68\uc740 \uc5ec\ub7ec \uacc4\uc88c\ub97c \ubcf4\uc720\ud55c \uace0\uac1d\uc5d0 \ub300\ud55c \uacac\uc81c\uc640 \uade0\ud615\uc744 \uc81c\uacf5\ud558\uc5ec \uc2e0\uc6a9 \uac10\ub3c5 \uac15\ud654\uc640 \uc790\uae08\uc758 \uc6b0\ud68c\ub97c \uc608\ubc29\ud558\uae30 \uc704\ud574 \ub9c8\ub828\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ubcf8 \uc9c0\uce68\uc5d0\uc11c \uac00\uc7a5 \uc8fc\ubaa9\ud574\uc57c \ud558\ub294 \ub0b4\uc6a9\uc740 \uae30\uac04 \ub300\ucd9c(\ud140\ub860)\uc758 \uacbd\uc6b0 \ub300\ucd9c\uc758 \ub300\uc0c1\uc778 \ud574\ub2f9 \uc7ac\ud654 \ubc0f \uc6a9\uc5ed \uc81c\uacf5\uc5c5\uccb4\ub85c \ub300\ucd9c\uae08\uc774 \uc9c1\uc811 \uc81c\uacf5\ub418\uc5b4\uc57c \ud55c\ub2e4\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<figure id=\"attachment_196203\" aria-describedby=\"caption-attachment-196203\" style=\"width: 240px\" class=\"wp-caption alignleft\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-196206 size-full\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2020\/10\/Sawant-Singh-Partner-Phoenix-Legal.jpg\" alt=\"Sawant-Singh,-Partner,-Phoenix-Legal\" width=\"240\" height=\"300\" \/><figcaption id=\"caption-attachment-196203\" class=\"wp-caption-text\"><strong>Sawant Singh<\/strong><br \/>Partner<br \/>Phoenix-Legal<\/figcaption><\/figure>\n<p style=\"text-align: left;\">\ubcf8 \uc9c0\uce68\uc740 \ud604\uc7ac \ud604\uae08 \uc2e0\uc6a9\uacfc \ub2f9\uc88c\ub300\uc6d4 \uacc4\uc88c\uac00 \uc788\ub294 \uace0\uac1d\uc774 \ub2f9\uc88c\uc608\uae08 \uacc4\uc88c\ub97c \ucd94\uac00\ub85c \uac1c\uc124\ud560 \uc218 \uc5c6\uc73c\uba70, \ubaa8\ub4e0 \uc785\ucd9c\uae08 \ud589\uc704\ub294 \uae30\uc874\uc758 \uacc4\uc88c\ub97c \ud1b5\ud574\uc11c\ub9cc \uc774\ub8e8\uc5b4\uc9c8 \uc218 \uc788\ub2e4\uace0 \uba85\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud55c \ub300\ucd9c\uc774 \ud574\ub2f9 \uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc790\uae08 \uae30\ubc18 \ubc0f \ube44 \uc790\uae08 \uae30\ubc18 \uc735\uc790 \uc81c\ub3c4 \uc804\uccb4\uc758 \ucd5c\uc18c 10% \uc775\uc2a4\ud3ec\uc800\uc5d0 \uc0c1\uc751\ud558\ub294 \uacbd\uc6b0\ub9cc \ud574\ub2f9 \uace0\uac1d\uc5d0\uac8c \ud604\uae08 \uc2e0\uc6a9\uacfc \ub2f9\uc88c\ub300\uc6d4 \uc81c\ub3c4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc775\uc2a4\ud3ec\uc800\uac00 10% \uc774\ud558\uc778 \uc740\ud589\uc740 \uc6b4\uc804\uc790\ubcf8 \uc218\uc694 \ub300\ucd9c \ub610\ub294 \uc6b4\uc804\uc790\ubcf8 \uae30\uac04 \ub300\ucd9c\ub9cc \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span class=\"Apple-converted-space\">\u00a0<\/span>\ud604\uae08\uc2e0\uc6a9\uc774\ub098 \ub2f9\uc88c\ub300\uc6d4 \uc81c\ub3c4\ub97c \uc774\uc6a9\ud558\uc9c0 \uc54a\uc740 \uace0\uac1d\uc740 \ub2f9\uc88c\uc608\uae08 \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uad8c\uc758 \uc735\uc790 \uc81c\ub3c4\ub97c \uc774\uc6a9\ud558\uc9c0 \uc54a\uc740 \uace0\uac1d\uc758 \uacbd\uc6b0 \uac01 \uc740\ud589\uc758 \ub0b4\ubd80 \uc815\ucc45\uc5d0 \ub530\ub77c \ub2f9\uc88c\uc608\uae08 \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc774 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud55c \ucd1d \uc735\uc790\uac00 5,000\ub9cc \ub8e8\ud53c(\ubbf8$680,000) \uc774\ud558\uc778 \uacbd\uc6b0\uc5d0\ub294, \ud574\ub2f9 \uace0\uac1d\uc774 \uc735\uc790 \uaddc\ubaa8\uac00 5,000\ub9cc \ub8e8\ud53c \uc774\uc0c1\uc73c\ub85c \uc99d\uac00 \uc2dc \uc740\ud589\uc5d0\uac8c \uace0\uc9c0\ud558\uaca0\ub2e4\ub294 \ud655\uc57d\uc744 \ud558\uba74 \uc5b4\ub290 \uc740\ud589\uc5d0\uc11c\ub098 \ub2f9\uc88c\uc608\uae08 \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc774 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud55c \ucd1d \uc735\uc790\uac00 5,000\ub9cc \ub8e8\ud53c \uc774\uc0c1, 5\uc5b5 \ub8e8\ud53c \uc774\ud558\uc778 \uacbd\uc6b0\uc5d0\ub294 \ub300\ucd9c\uc744 \uc81c\uacf5\ud55c \uc740\ud589\uc5d0\uc11c\ub9cc \ub2f9\uc88c\uc608\uae08 \uac1c\uc124\uc774 \uac00\ub2a5\ud558\uba70 \uadf8 \uc678 \uc740\ud589\uc5d0\uc11c\ub294 \ucd94\uc2ec \uacc4\uc88c\ub9cc \uac1c\uc124 \uac00\ub2a5\ud569\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\">\uadf8\ub7ec\ub098 \uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud55c \uc735\uc790\uac00 5\uc5b5 \ub8e8\ud53c \uc774\uc0c1\uc778 \uacbd\uc6b0\uc5d0\ub294 \uc5d0\uc2a4\ud06c\ub85c \uba54\ucee4\ub2c8\uc998\uc774 \ub3c4\uc785\ub418\uc5b4, \uc5d0\uc2a4\ud06c\ub85c \uc740\ud589\uc5d0\uc11c\ub9cc \ub2f9\uc88c\uc608\uae08 \uacc4\uc88c\uc758 \uac1c\uc124\uacfc \uc720\uc9c0\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uae30\ud0c0 \ub300\ucd9c \uc740\ud589\uc5d0\uc11c\ub294 \ucd94\uc2ec \uacc4\uc88c \uac1c\uc124\ub9cc \uac00\ub2a5\ud558\uba70, \uc1a1\uae08\uc740 \ud574\ub2f9 \ucd94\uc2ec \uacc4\uc88c\uc5d0\uc11c \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c\ub85c\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub300\ucd9c \uc740\ud589\uc774 \uc544\ub2cc \uacbd\uc6b0\uc5d0\ub294 \ub2f9\uc88c\uc608\uae08 \uacc4\uc88c\uc758 \uac1c\uc124\uc774 \ubd88\uac00\ud569\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<figure id=\"attachment_196207\" aria-describedby=\"caption-attachment-196207\" style=\"width: 240px\" class=\"wp-caption alignleft\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-196210 size-full\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2020\/10\/Aditya-Bhargava-Partner-Phoenix-Legal.jpg\" alt=\"Aditya-Bhargava,-Partner,-Phoenix-Legal\" width=\"240\" height=\"300\" \/><figcaption id=\"caption-attachment-196207\" class=\"wp-caption-text\"><strong>Aditya Bhargava<\/strong><br \/>Partner<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p style=\"text-align: left;\">\uc778\ub3c4 \uc911\uc559\uc740\ud589\uc740 \uc544\uc9c1 \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c\uc758 \uc815\ud655\ud55c \uc6b4\uc601 \ubc29\uc2dd\uc5d0 \ub300\ud574\uc11c\ub294 \uba85\uc2dc\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc774\ub294 \uaddc\uc81c\uac00 \ubaa8\ub4e0 \uc138\ubd80 \uc0ac\ud56d\uc744 \uba85\uc2dc\ud558\ub294 \uacbd\uc6b0 \uc2dc\ud589 \ucc28\uc6d0\uc5d0\uc11c \uc720\uc5f0\uc131\uc774 \ub5a8\uc5b4\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uc774\ud574\uac00 \uac00\ub294 \uce21\uba74\uc774\uc9c0\ub9cc, \ud604\uc7ac \uc2dc\uc911\uc5d0 \ub2e4\uc591\ud55c \ub2f9\uc88c\uc608\uae08\uacfc \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c \uc81c\ub3c4\uac00 \uc874\uc7ac\ud558\uae30 \ub54c\ubb38\uc5d0 \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c\uc758 \uac1c\uc124\uacfc \uc6b4\uc601\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \uba85\ud655\ud55c \uc124\uba85\uc774 \uc788\ub2e4\uba74 \uc2dc\uc7a5 \ud63c\ub780\uc744 \uc904\uc77c \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\">\ubcf8 \uc9c0\uce68\uc740 \uc2dc\uc7a5\uc774 \uc0c8\ub85c\uc6b4 \uc9c0\uce68\uc5d0 \uc801\uc751\ud560 \uc218 \uc788\ub3c4\ub85d 3\uac1c\uc6d4\uc758 \uc720\uc608 \uae30\uac04\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ucf54\ub85c\ub098 \uc0ac\ud0dc\uc640 \uc774\uc5d0 \ub530\ub978 \uc81c\uc57d\uc73c\ub85c \uc778\ub825\uc774 \ubd80\uc871\ud55c \uc0c1\ud669\uc5d0\uc11c \uc911\uc559\uc740\ud589\uc758 \uc0c8 \uc9c0\uce68\uc5d0 \ub530\ub77c \uace0\uac1d\uc758 \uacc4\uc88c\ub97c \uc7ac\uc815\ube44\ud558\uace0, \ub2f9\uc88c\uc608\uae08, \ud604\uae08 \uc2e0\uc6a9, \ub2f9\uc88c\ub300\uc6d4 \uacc4\uc88c \ud574\uc9c0\ub97c \ud558\ub294 \uc791\uc5c5\uc740 \uc27d\uc9c0 \uc54a\uc744 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<p style=\"text-align: left;\">\ud604\uc7ac \uc778\ub3c4\uc5d0\uc11c\ub294 \uad6d\uc601\uc740\ud589\uc774 \ub300\ucd9c\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc81c\uacf5\ud558\uace0 \uadf8 \uaddc\ubaa8\ub3c4 \ud070 \ubc18\uba74, \ubbfc\uac04 \uc740\ud589\uc740 \ud604\uae08 \uad00\ub9ac \uc11c\ube44\uc2a4\uc5d0 \ub354 \uc8fc\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc559\uc740\ud589\uc758 \uc0c8 \uc9c0\uce68\uc740 \uad6d\uc601\uc740\ud589\uc5d0 \ub354 \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud558\uc5ec \uc2dc\uc7a5\uc758 \uacbd\uc7c1 \uc65c\uace1\uc774\ub77c\ub294 \uc758\ub3c4\uce58 \uc54a\uc740 \uacb0\uacfc\ub85c \uc774\uc5b4\uc9c8 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\">\uc911\uc559\uc740\ud589\uc758 \uc9c0\uce68\uc774 \uc758\ub3c4\ud558\ub294 \ubc14\ub294 \ub9e4\uc6b0 \ubc14\ub78c\uc9c1\ud558\ub098, \ubcf5\uc7a1\ud55c \ud504\ub808\uc784\uc6cc\ud06c \ub0b4\uc5d0\uc11c \uc218\ub9ce\uc740 \uad6c\uc870\ud654 \ub300\ucd9c \uc81c\ub3c4\uc5d0 \uc804\uc6a9 \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c\ub97c \uac1c\uc124\ud574\uc57c \ud55c\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud560 \ub54c \uc81c\ub300\ub85c \uc2dc\ud589\ub418\uc9c0 \uc54a\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \ubcf8 \uc9c0\uce68\uc758 \uc8fc\uc694 \ubaa9\uc801\uc774 \uc790\uae08\uc758 \uc6b0\ud68c \uc608\ubc29\uc774\ub77c\uba74 \uc735\uc790 \uc81c\ub3c4\uc5d0\uc11c \ubc1b\uc740 \uc790\uae08\uc774 \ub300\ucd9c \uc740\ud589\uc744 \ud1b5\ud574\uc11c\ub9cc \uc1a1\uae08\ub420 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uac83\uc774 \ub354 \uac04\ub2e8\ud55c \ubc29\uc548\uc77c \uac83\uc785\ub2c8\ub2e4. \ubb3c\ub860 \uc911\uc559\uc740\ud589\uc758 \uc9c0\uce68\uc740 \uacf5\uae09\uc5c5\uccb4\uc5d0 \uc9c1\uc811 \uc1a1\uae08 \uaddc\uc815\uacfc \uac19\uc740 \uc720\uc775\ud55c \uc870\ud56d\ub3c4 \ud3ec\ud568\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ubcf8 \uc9c0\uce68\uc758 \uc218\uc815 \uc5c6\uc774\ub294 \uc740\ud589 \uc5c5\ubb34\uac00 \uc81c\ub300\ub85c \uc791\ub3d9\ud558\uae30 \uc5b4\ub835\ub2e4\ub294 \uc785\uc7a5\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><em><span style=\"color: #808080;\">Sawant Singh\uacfc Aditya Bhargava\ub294 Phoneix Legal\uc758 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac\uc785\ub2c8\ub2e4. \uc18c\uc18d \ubcc0\ud638\uc0ac\uc778 Sristi Yadav \ub610\ud55c \ubcf8 \uae00\uc5d0 \ub3c4\uc6c0\uc744 \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/em><\/p>\n<section class=\"format-info\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-196215 size-medium\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo-300x109.jpg\" alt=\"Phoenix Legal\" width=\"300\" height=\"109\" srcset=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo-300x109.jpg 300w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo-768x279.jpg 768w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo-696x253.jpg 696w, https:\/\/beta2.law.asia\/wp-content\/uploads\/2016\/07\/Phoenix-logo.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p style=\"text-align: center;\"><strong>Phoenix Legal<\/strong><br \/>\nSecond Floor<br \/>\n254, Okhla Industrial<br \/>\nEstate Phase III<br \/>\nNew Delhi \u2013 110 020<br \/>\nIndia<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\">Vaswani Mansion, 3\/F<br \/>\n120 Dinshaw Vachha Road, Churchgate<br \/>\nMumbai \u2013 400 020<br \/>\nIndia<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\">Contact details<br \/>\nTel +91 11 4983 0000 \/ +91 22 4340 8500<br \/>\nFax: +91 11 4983 0099 \/ +91 22 4340 8501<br \/>\nEmail: delhi@phoenixlegal.in<br \/>\nmumbai@phoenixlegal.in<\/p>\n<p>&nbsp;<\/p>\n<\/section>\n<section><\/section>\n","protected":false},"excerpt":{"rendered":"<p>2020\ub144 8\uc6d4 6\uc77c \uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uc740 \uc2dc\uc911 \uc740\ud589\ub4e4\ub85c \ud558\uc5ec\uae08 \ub2f9\uc88c\uc608\uae08, \ud604\uae08\uc2e0\uc6a9, \ub2f9\uc88c\ub300\uc6d4 \uacc4\uc88c\uac00 \ubaa8\ub450 \uac1c\uc124\ub41c \uace0\uac1d\ub4e4\uc758 \uacc4\uc88c\ub97c \uac10\ub3c5\ud558\ub3c4\ub85d \uc694\uccad\ud558\ub294 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc804\uc5d0\ub294 \ud68c\uc0ac\ub4e4\uc774 \uc5ec\ub7ec \uac1c\uc758 \ub2f9\uc88c \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uc5ec \ud604\uae08 \ud750\ub984\uc758 \ubaa8\ub2c8\ud130\ub9c1\uc774 \uc5b4\ub824\uc6b4 \uce21\uba74\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ubcf8 \uc9c0\uce68\uc740 \uc5ec\ub7ec \uacc4\uc88c\ub97c \ubcf4\uc720\ud55c \uace0\uac1d\uc5d0 \ub300\ud55c \uacac\uc81c\uc640 \uade0\ud615\uc744 \uc81c\uacf5\ud558\uc5ec \uc2e0\uc6a9 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