금융기관의 업무위탁 등에 관한 규정

[첨부: 금융기관의 업무위탁 등에 관한 규정(금융위원회고시)(제2019-12호)(20190401).hwp] ]> 금융기관의 업무위탁 등에 관한 규정 금융기관의 업무위탁 등에 관한 규정 법제처 - / - 국가법령정보센터 [시행 2019. 4. 1.] [금융위원회고시 제2019-12호, 2019. 4. 1., 타법개정.] 금융위원회(금융정책과), 02-●●●●-2843 {전문} 제1조(목적) 이 규정은 금융기관이 「금융위원회의 설치 등에 관한 법률」 제17조제3호에 따라 인가·허가 또는 등록 등(이하 "인가등"이라 한다)의 업무를 수행함에 있어 그 업무의 위탁 등에 관한 사항을 정함을 목적으로 한다.<개정 2017. 11. 14.> 제2조(정의) ① 이 규정에서 "금융기관"이라 함은 다음 각 호와 같다.<개정 2017. 11. 14.> 1. 「은행법」에 의해 설립된 금융기관 2. 「농업협동조합법」에 의한 농협은행, 농협손해보험, 농협생명보험 3. 「수산업협동조합법」에 의한 수협은행 4. 「중소기업은행법」에 의한 중소기업은행 5. <삭제 2017. 11. 14.> 6. <삭제 2017. 11. 14.> 7. 「상호저축은행법」에 의한 상호저축은행 및 그 중앙회 8. <삭제 2017. 11. 14.> 9. 「여신전문금융업법」에 의한 여신전문금융회사 10. 「보험업법」에 의한 보험회사 11. <삭제 2017. 11. 14.> 12. <삭제 2017. 11. 14.> 13. 「신용협동조합법」에 의한 신용협동조합 및 그 중앙회, 같은 법 제95조의 규정에 의한 각 조합 및 그 중앙회의 상호금융부문 14. 「한국산업은행법」에 의한 한국산업은행<신설 2017. 11. 14.> 15. 기타 금융업 또는 금융관련업무를 영위하는 자로서 금융감독원장(이하 "감독원장"이라 한다)이 정하는 자 ② 이 규정에서 "업무위탁"이라 함은 금융기관이 인가등을 받은 금융업을 영위하기 위하여 제3자(개인을 포함한다)의 용역 또는 시설 등을 계속적으로 활용하는 행위를 말한다. 다만, 후선업무와 관련한 단순 집행업무 등 금융업 영위와 직접적으로 관계되지 아니하는 위탁계약은 제외한다.<개정 2017. 11. 14.> ③ 제2항의 "후선업무와 관련한 단순 집행업무"의 범위는 <별표 1>과 같다.<신설 2017. 11. 14.> ④ 이 규정에서 "업무수탁"이라 함은 금융기관이 제3자가 영위하는 업무를 위탁받아 계속적으로 처리하는 행위를 말한다. ⑤ 제2항 및 제3항의 규정에 불구하고 외국 금융기관 국내지점의 국내외 본지점간의 용역 또는 시설 등의 공급계약은 이 규정에 의한 업무위탁 또는 수탁으로 간주한다. ⑥ 이 규정에서 "금융관련법령"이란 「금융회사의 지배구조에 관한 법률」 제2조제7호에 따른 "금융관계법령"을 말한다.<신설 2017. 11. 14.> 제3조(업무위탁 등) ① 금융기관은 인가등을 받은 업무를 영위함에 있어 제3자에게 업무를 위탁하거나 제3자의 업무를 수탁할 수 있다. 다만, 다음 각 호의 어느 하나에 해당하는 사항은 그러하지 아니하다.<개정 2017. 11. 14.> 1. 인가 등을 받은 금융업 또는 다른 금융업의 본질적 요소를 포함하는 업무를 위탁하는 경우. 다만, 다음 각 목의 어느 하나에 해당하는 업무의 경우에는 위탁할 수 있다. 가. 위탁하고자 하는 업무가 해당 금융업의 본질적 요소가 아니라 다른 금융업의 본질적 요소인 경우로서 법령에서 해당 업무수행을 허용하고 있는 자에 대하여 위탁하는 경우 나. 인가등을 받은 업무를 효율적으로 수행하는 데 필요한 경우로서 해당 업무를 위탁하더라도 금융기관의 건전성 또는 신인도를 저해하거나 금융질서의 문란 또는 금융이용자 피해를 발생시킬 우려가 낮은 것으로 금융위원회가 인정하는 경우 2. 관련 법령에서 금융기관이 수행하도록 의무를 부여하고 있는 경우 3. 업무의 위탁 또는 수탁으로 인하여 당해 금융기관의 건전성 또는 신인도를 크게 저해하거나 금융질서의 문란 또는 금융이용자의 피해 발생이 심히 우려되는 경우 ② 제1항 제1호의 본질적 요소에 해당하는 사항은 <별표 2>과 같다.<개정 2017. 11. 14.> 1. <본호 삭제 2005. 7. 27> 2. <본호 삭제 2005. 7. 27> 3. <본호 삭제 2005. 7. 27> 4. <본호 삭제 2005. 7. 27> ③ 금융기관이 제1항의 규정에 따라 제3자에게 업무를 위탁하거나 제3자로부터 업무를 수탁하는 경우에는 다음 각 호의 사항을 고려하여 동 업무가 적정하게 처리될 수 있도록 하여야 한다.<개정 2017. 11. 14.> 1. 업무위탁 또는 수탁에 따른 비용·편익분석 2. 금융이용자 피해발생 및 금융질서 문란 여부 3. 제3자가 관련 법규(다만, 제3자가 외국인인 경우에는 국제사법 제3조)에 따라 업무수탁이 가능한지의 여부<개정 2017. 11. 14.> 4. 제3자가 수탁업무를 적절히 수행할 수 있는지의 여부 5. 「금융실명거래 및 비밀보장에 관한 법률」 등 관련 법령에의 저촉 여부<개정 2017. 11. 14.> ④ 제1항에 따라 금융기관의 업무를 위탁받은 자는 위탁자의 동의를 얻어 위탁받은 업무를 제3자에게 재위탁할 수 있다. 이 경우 제2조, 본조 제1항·제2항·제3항, 제4조, 제5조, 제6조를 준용하되, 재위탁시 보고의 주체는 원위탁 금융회사로 한다.<신설 2017. 11. 14.> ⑤ 제1항에 따라 업무를 위탁하는 경우(제4항에 따라 재위탁하는 경우를 포함한다) 위탁회사는 수탁회사가 이 규정 등 금융관련법령 및 제3조의2에 따른 업무위수탁기준상의 의무를 위반하여 발생하는 손해에 대해서 수탁회사와 연대하여 배상책임을 진다.<신설 2017. 11. 14.> 제3조의2(업무위수탁기준) 금융기관은 제3조에서 정한 업무위탁 등에 따른 리스크의 체계적 관리를 위하여 <별표 3>에서 정하는 업무위수탁기준에 따라 금융권역 및 위탁대상자의 특성 등을 감안하여 자체 업무위수탁 운영기준을 마련하고 이를 준수하여야 한다.<개정 2017. 11. 14.> 제3조의3(혁신적 금융서비스에 관한 특례)<삭제 2019. 4. 1.> 제4조(보고) ① 금융기관이 제3조제1항의 규정에 따라 제3자와 업무위탁 계약을 체결하거나 제3자(금융기관 및「자본시장과 금융투자업에 관한 법률」에 따른 금융투자업자, 종합금융회사는 제외한다)와 업무수탁계약을 체결하고자 하는 경우에는 그 사실을 업무를 위탁받은 자가 그 위탁받은 업무를 실제로 수행하려는 날의 7영업일 이전에 <별지 제1호 서식>에 따라 다음 각호의 서류를 첨부하여 감독원장에게 보고하여야 한다.<개정 2017. 11. 14.> 1. 위탁 또는 수탁 관련 계약서(안) 사본 2. 업무위수탁계약이 제3조제3항 각 호의 고려사항에 저촉되지 아니하고 제3조의2에 따른 자체 업무위수탁 운영기준에 위배되지 아니하다는 준법감시인(준법감시인이 없는 경우에는 감사 등 이에 준하는 자를 말한다)의 검토의견 및 관련 자료 사본<개정 2017. 11. 14.> 3. 위탁 또는 수탁의 필요성 및 기대효과 4. 위탁 또는 수탁에 따른 업무처리절차의 주요변경내용 ② 금융기관은 제1항의 규정에 불구하고 다음 각호의 1에 해당하는 경우에는 제1항에 의한 사전보고를 생략하고, <별지 제2호 서식>에 따라 업무위수탁현황을 그 금융기관의 설립근거가 되는 법률 등에 따른 업무보고서에 포함하여 감독원장에게 반기별로 사후보고할 수 있다.<개정 2017. 11. 14.> 1. 당해 금융기관 또는 동일한 금융업을 영위하는 다른 금융기관이 감독원장에게 보고한 내용과 동일한 경우<개정 2017. 11. 14.> 2. 금융기관이 약관 등을 보고하면서 당해 약관 등의 내용과 관련된 위탁 또는 수탁예정업무를 보고한 경우(제1항에 의한 첨부서류를 제출한 경우에 한한다) 3. 해당 금융기관이 이미 보고한 내용을 일부 변경하는 경우로서 변경되는 내용이 경미한 경우<개정 2017. 11. 14.> 4. 동일한 수탁자에게 반복, 지속적으로 업무위탁이 이루어지는 경우로서 최초 업무위탁시에 사전보고가 이루어진 경우. 단, 이 경우 금융회사는 사전보고시에 향후 발생 가능한 추가적인 업무위탁의 대략적인 내용을 작성하여 금감원장에게 제출하여야 한다.<신설 2017. 11. 14.> 5. 금융기관이 제3자로부터 업무를 수탁하는 경우 ③ 감독원장은 제1항 및 제2항의 규정에 의하여 금융기관이 보고한 업무위탁 또는 수탁현황을 매반기 금융위에 보고하여야 한다. 제5조(변경권고등) 감독원장은 업무위탁 또는 수탁이 제3조의 규정에 적합하지 아니하다고 판단하는 경우에는 당해 금융기관에 대하여 그 내용의 변경권고 등 필요한 조치를 할 수 있다. 이 경우 감독원장은 그 조치결과를 지체없이 금융위에 보고하여야 한다. 제6조(적용배제) 금융관련법령에서 정하는 바에 따라 금융기관이 제3자에게 업무를 위탁하거나 제3자로부터 업무를 수탁하는 경우에는 이 규정을 적용하지 아니한다. 제7조<삭제 2005. 7. 27> 제8조(재검토기한) 「훈령·예규 등의 발령 및 관리에 관한 규정」(대통령훈령 제248호)에 따라 이 규정 발령 후의 법령이나 현실여건의 변화 등을 검토하여 이 규정의 유지, 폐지, 개정 등의 조치를 하여야 하는 2015년 7월 1일을 기준으로 매 2년이 되는 시점(매 2년째의 6월 30일까지를 말한다)으로 한다. 부칙 <제2019-12호, 2019. 4. 1.> 제1조(시행일) 이 규정은 2019년 4월 1일부터 시행한다. 제2조 생략 제3조(다른 고시의 개정) ① 생략 ② 「금융기관의 업무위탁 등에 관한 규정」 중 제3조의3(혁신적 금융서비스에 관한 특례)을 삭제한다. ③ 생략 제4조 생략 iVBORw0KGgoAAAANSUhEUgAAAT0AAADECAYAAADtcfb4AAAACXBIWXMAAAsTAAALEwEAmpwYAAAK T2lDQ1BQaG90b3Nob3AgSUNDIHByb2ZpbGUAAHjanVNnVFPpFj333vRCS4iAlEtvUhUIIFJCi4AU kSYqIQkQSoghodkVUcERRUUEG8igiAOOjoCMFVEsDIoK2AfkIaKOg6OIisr74Xuja9a89+bN/rXX Pues852zzwfACAyWSDNRNYAMqUIeEeCDx8TG4eQuQIEKJHAAEAizZCFz/SMBAPh+PDwrIsAHvgAB 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