{"id":"b786d321-7cb9-40df-87dd-b668a24a8794","doc_type":"notice","title":"상호저축은행 구조개선적립금 관리·운용 기준","summary":"[첨부: 상호저축은행 구조개선적립금 관리·운용 기준(금융위원회고시)(제2015-20호)(20150701).hwp] 상호저축은행 구조개선적립금 관리·운용 기준 상호저축은행 구조개선적립금 관리·운용 기준","body":"[첨부: 상호저축은행 구조개선적립금 관리·운용 기준(금융위원회고시)(제2015-20호)(20150701).hwp]\n]>\n상호저축은행 구조개선적립금 관리·운용 기준\n상호저축은행 구조개선적립금 관리·운용 기준\n법제처\n- / -\n국가법령정보센터\n[시행 2015. 7. 1.] [금융위원회고시 제2015-20호, 2015. 6. 30., 타법개정.]\n금융위원회(중소금융과), 02-●●●●-2993\n{전문}\n제1조(목적) 이 기준은 조세특례제한법 제48조 및 같은 법 시행령 제45조에 따라 상호저축은행중앙회가 상호저축은행의 구조개선에 사용하기 위하여 적립하는 구조개선적립금의 관리 및 운용방법 등을 정함을 목적으로 한다.\n제2조(구조개선적립금의 목적) 구조개선적립금은 상호저축은행법 시행령 제6조의3 제3항 각호에 해당하는 상호저축은행(이하 ‘부실상호저축은행’이라 한다)의 인수 및 인수 후 정상화를 위해 출자·출연 등을 통해 부실상호저축은행의 재무건전성을 제고함을 목적으로 한다.\n제3조(구조개선적립금의 조달) ① 구조개선적립금은 상호저축은행중앙회의 지급준비예탁금회계 결산 후 이익잉여금중 전부 또는 일부를 처분하여 구조개선적립금 회계에 적립하여 조달한다.\n② 상호저축은행중앙회는 2009년 6월 30일이 속하는 회계연도의 결산일에 구조개선적립금 회계를 설치한다.\n③ 상호저축은행중앙회는 2013년 6월 30일이 속하는 회계연도의 결산일까지 1,000억원이상을 구조개선적립금으로 적립한다. 다만, 금융시장의 변동, 지급준비예탁금회계의 운용수익, 상호저축은행업계의 사정 등을 감안하여 금융위원회의 승인을 받아 적립하여야 할 금액을 조정할 수 있다.\n제4조(구조개선적립금의 운용방법) ① 구조개선적립금은 다음 각 호의 방법에 의하여 운용하여야 한다.\n1. 부실상호저축은행의 인수 및 인수 후 정상화를 위한 출자 및 출연\n2. 구조개선적립금의 조성·운용 및 관리에 필요한 비용 지급\n3. 그밖에 상호저축은행의 구조개선을 위해 필요하다고 금융위원회가 승인하는 방법\n② 제1항에도 불구하고 구조개선적립금회계의 여유자금은 다음 각 호의 방법으로 운용한다. 이 경우 금융기관 및 유가증권의 범위와 구체적 운용방법은 제11조에 의한 내부규정에서 정한다.\n1. 금융기관에 예치\n2. 유가증권에 투자\n3. 상호저축은행중앙회의 다른 회계에 대한 대출\n③ 제1항 제3호의 방법은 상호저축은행중앙회의 신청에 따라 금융위원회가 승인한다.\n제5조 (자금의 차입) ① 구조개선적립금회계의 일시적 자금부족 등의 경우에는 구조개선적립금 총자산의 10% 범위내에서 다음 각 호에 따라 차입할 수 있다.\n1. 금융기관 차입\n2. 지급준비예탁금회계로부터의 차입(직전 분기말 지급준비예탁금회계 이익잉여금의 범위내에 한한다.)\n② 제1항에 불구하고 인수한 부실상호저축은행에 대한 출자를 목적으로 지급준비예탁금회계로부터 차입하는 경우에는 직전 분기말 구조개선적립금회계 대차대조표상의 순자산(자산에서 부채를 뺀 금액을 말한다) 범위 내에서 차입할 수 있다.\n제6조(부실상호저축은행의 인수 등) ① 구조개선적립금으로 부실상호저축은행의 주식을 인수하거나 출자하는 경우 당해 상호저축은행의 의결권 있는 발행주식 총수의 50%를 초과하여 주식을 보유하여야 한다.\n② 구조개선적립금으로 인수한 상호저축은행에 대하여는 증자 등을 통해 경영정상화를 추진한다.\n제7조(손실보전준비금 적립) 2013년 6월 30일이 속하는 회계연도말까지 구조개선적립금 운용으로 발생한 이익은 전액 손실보전준비금으로 적립한다. 다만, 지급준비예탁금회계에 과다한 손실이 발생하는 등 불가피한 사유가 있는 경우로서 금융위원회의 승인을 받은 때에는 예외로 한다.\n제8조(구조개선적립금의 관리·운용주체) ① 구조개선적립금의 관리·운용에 관한 최종 의사는 상호저축은행중앙회 이사회가 결정한다.\n② 구조개선적립금 관리·운용에 관한 다음 각 호의 사항은 제9조의 구조개선적립금 관리위원회의 심의를 거친 후 상호저축은행중앙회 이사회가 결정한다.\n1. 구조개선적립금 관리 및 운영에 관한 기본계획의 수립\n2. 구조개선적립금회계의 결산(손실보전준비금 적립 포함)에 관한 사항\n3. 부실상호저축은행의 인수 및 인수 후 출자·출연에 관한 사항\n4. 인수한 상호저축은행의 매각에 관한 사항\n5. 구조개선적립금의 폐지, 다른 회계로의 이전 등에 관한 사항\n6. 인수 상호저축은행의 임원선임 절차 등과 관련한 주요사항\n7. 자금의 일시적 차입에 관한 사항\n8. 기타 구조개선적립금의 운용과 관련하여 중요하다고 인정하여 위원장 또 는 상호저축은행중앙회 이사회가 심의를 요청한 사항\n제9조(구조개선적립금 관리위원회의 설치) ① 구조개선적립금의 관리·운용에 관한 사항을 심의하는 기구로 상호저축은행중앙회 내에 구조개선적립금 관리위원회를 둔다.\n② 구조개선적립금 관리위원회는 다음 각 호의 위원으로 구성하며, 제1호의 위원을 위원장으로 한다.\n1. 상호저축은행중앙회 전무이사(전무이사가 없는 경우에는 상호저축은행중앙회장이 지정하는 이사)\n2. 상호저축은행중앙회 회장이 회원사의 의견을 들어 추천한 금융전문가 4인\n3. 금융감독원장이 추천한 법률전문가 1인\n4. 예금보험공사 사장이 추천한 회계전문가 1인\n③ 제2항 제2호에서 제4호까지의 위원은 상호저축은행중앙회 이사회의 의결을 거쳐 상호저축은행중앙회 회장이 선임한다.\n④ 제2항 제2호에서 제4호까지의 위원의 임기는 1년으로 하며, 연임할 수 있다.\n⑤ 제2항 제2호에서 제4호까지의 위원이 결원된 때에는 새로 위촉하되, 새로 위촉된 위원의 임기는 위촉한 날부터 기산한다.\n제10조(심의·의결) ① 구조개선적립금의 관리·운용에 관한 이사회 결의는 상호저축은행중앙회 정관이 정하는 바에 따른다.\n② 구조개선적립금 관리위원회의 심의는 재적위원의 3분의 2 이상이 출석하여 출석 위원 과반수의 찬성으로 결정한다. 다만, 제8조 제2항 제3호에서 제5호까지의 사항에 대하여는 재적위원의 3분의 2 이상이 출석하여 출석위원 3분의 2 이상의 찬성으로 결정한다.\n③ 위원은 본인, 배우자, 4촌 이내의 혈족, 2촌 이내의 인척 또는 본인이 속한 법인과 이해관계가 있는 사항에 대한 심의에서 제척된다.\n④ 상호저축은행중앙회는 구조개선적립금 관리위원회의 의사경과요지를 작성·보관한다.\n제11조(기타) 상호저축은행중앙회장은 이 기준이 정하는 범위 내에서 상호저축은행 구조개선적립금 및 구조개선적립금 관리위원회의 운용에 관한 사항을 금융위원회 위원장과 협의하여 내부규정으로 정하여야 한다.\n제12조(재검토기한) 「훈령·예규 등의 발령 및 관리에 관한 규정」에 따라 이 기준 발령 후의 법령이나 현실여건의 변화 등을 검토하여 이 기준의 유지, 폐지, 개정 등의 조치를 하여야 하는 기한은 2015년 7월 1일을 기준으로 매 2년이 되는 시점(매 2년째의 6월 30일까지를 말한다)으로 한다.<개정 2015. 6. 30.>\n부칙 <제2015-20호, 2015. 6. 30.>\n이 규정은 2015년 7월 1일부터 시행한다.\niVBORw0KGgoAAAANSUhEUgAAAT0AAADECAYAAADtcfb4AAAACXBIWXMAAAsTAAALEwEAmpwYAAAK T2lDQ1BQaG90b3Nob3AgSUNDIHByb2ZpbGUAAHjanVNnVFPpFj333vRCS4iAlEtvUhUIIFJCi4AU kSYqIQkQSoghodkVUcERRUUEG8igiAOOjoCMFVEsDIoK2AfkIaKOg6OIisr74Xuja9a89+bN/rXX Pues852zzwfACAyWSDNRNYAMqUIeEeCDx8TG4eQuQIEKJHAAEAizZCFz/SMBAPh+PDwrIsAHvgAB 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