أثر تطور وسائل الدفع البنكية على تمويل التجارة الخارجية

Abstract

The payment system is one of the most important indicators that express the extent of the process and functioning of any economy, and this compels banks in various countries to modernize and modernize payment methods because traditional means of payment are no longer effective in an era that requires speed in settling transactions and commercial deals, and the current technological developments have allowed By creating modern means of payment to facilitate the exchange process in a safe, fast and affordable manner; This study aims to clarify most of the banking techniques and means of paymen t that affect the financing of foreign trade, as the various technologies and means of financing granted by banking financial institutions were discussed in order to develop the movement of international trade exchange, whether in the short, medium and long term, in addition to Highlighting most of the international bank guarantees dealt with that these technologies can provide to the parties to commercial exchanges, focusing mainly on the documentary credit technique as it is the most used method in the field of foreign trade because it provides confidence, safety, and sufficient guarantees for both the exporter and the importer in order to complete the process. International business,