농협은행 방카슈랑스 사업부의 비인가 영업행위가 최근 금융당국에 적발됐다.
15일 금융감독원에 따르면 이 은행 36개 지점의 보험모집 종사자 37명은 총 796건의 부당대출을 취급한 혐의를 받고 있다. 지난해 불과 두 달 남짓한 기간에 이들이 당국 몰래 승인해 준 은행 여신은 414억원에 달했다.
보험업법 제91조 등에 의하면 금융기관 보험대리점에서 종사하는 사람은 대출 등 불공정 모집의 우려가 있는 상품판매를 할 수 없다.
농협은행은 또 총 6천5백억원 이상의 부동산개발금융 대출을 승인했다가 3천4백여억원의 손실을 입었다. 미흡한 여신심사 등으로 인한 부실채권이다.
금감원은 농협중앙회에 대한 농협은행의 특혜 여신도 적발했다. 각종 심사 및 산출 절차를 생략한 채 계열사 농협중앙회의 대출요청액 6조3천억원을 전액 승인한 혐의다.
지난 2012년 3월 농협중앙회에 대한 적정한 대출금리는 당초 연 5.79%로 산출됐었다. 그러나 가산금리 등을 제외시켜 5.27%로 감면해 준 것으로 드러났다.
(코리아헤럴드 / 김연세 기자)
<관련 영문기사>
NongHyup Bank issues illicit loans of W40b
Financial regulators recently uncovered a variety of irregular business practices of NongHyup Bank, aside from the lender’s loss totaling 55 billion won ($47.8 million) that was publicized last week.
The flagship unit of NongHyup Financial Group was found to have engaged in unauthorized lending worth 41.4 billion won, according to the Financial Supervisory Service on Monday.
“In violation of the law, bancassurance (or insurance products sale via bank branches) salespeople of the bank were implicated in 796 irregular loan cases,” said an FSS official.
He said the amount committed by 37 insurance salespeople came to 41.4 billion won for less than three months in 2012.
The nation’s laws on the insurance business “ban insurance salespeople from engaging in unfair practices including loan issuance.”
Market insiders alleged that the bank had pressured borrowers to buy insurance products in exchange for endorsing their loan application, which has been picked as a conventional malfeasance abusing financial consumers.
Over the past few years, the bank committed unfair or illicit lending practices despite sanctions from financial regulators. The FSS formerly imposed fines of 50 million won on NongHyup Bank for engaging in the unauthorized lending between 2009 and 2011.
The FSS has also revealed that NongHyup Bank incurred losses totaling 345.8 billion won after issuing real estate project loans worth 655 billion won.
“The bank is considered to have conducted lax screening of the project financing applications,” an official said. “The soured loans were attributable to borrowers’ failure in apartment and golf course businesses.”
In addition, regulatory officials noted that the bank approved the loan application worth 6.3 trillion won from its affiliate National Agricultural Cooperative Federation without looking into eligibility in March 2012.
“It also provided the NACF with irregular loan rate discount,” an official said. “Though the annual rate was originally calculated at 5.79 percent, NongHyup Bank offered a 5.27 percent rate.”
By Kim Yon-se (
kys@heraldcorp.com)
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