▲ 김선교 의원(국민의힘 여주시양평군)(사진제공=김선교사무실)     ©브레이크뉴스 하인규 기자

(양평=브레이크뉴스 경기동북부)하인규 기자=국회 농림축산식품해양수산위원회 김선교 의원(국민의힘, 경기 여주시‧양평군)이 농협은행으로부터 제출받은 <농협은행 최근 5년여간 금융사고 적발 현황(2024.8월까지)>을 분석한 결과, 농협은행의 5년여간 금융사고액은 총 366억 8,322만 원에 이른다고 밝혔다.

횡령금액은 153억 1,877만 원, 업무상 배임금액 213억 4,502만 원, 외부인의 도난·피탈로 1,943만 원이 발생했다.

또 연도별 금융사고액을 확인한 결과, 2019년 5,084만 원(3건), 2020년 1억 5,316만 원(5건), 2021년 67억 5,666만 원(3건), 2023년 3억 9,404만 원(5건)이었으나, 올해에는 8월까지 금융사고액은 293억 2,852만 원(10건)으로 급증한 것으로 나타났다.

특히 올해 1월부터 8월까지의 농협은행에서 발생한 금융사고는 업무상배임 3건, 횡령 6건, 금융실명제 위반 1건으로 총 10건의 금융사고가 발생해 전년과 비교해 사고 건수도 높아진 것으로 확인됐다.

△충주시지부 충일지점에서는 부동산 매매거래시 시설자금 대출을 취급하면서 채무자가 제출한 부동산 매매계약서상의 거래가격 등이 허위임을 인지하였음에도 여신을 지원한 사건(109억 4,733만 원), △밀양시지부에서는 장기 미분양 상가를 매수한 신설법인의 대출이 불가능 하자 명의 대여자를 모집하여 매입자금을 신청하였는데, 명의 대여자들의 채무자 자격 적격성 및 담보가치의 부적정함을 알고도 부당여신 등을 취급한 사건(11억 225만 원), △범물지점에서는 부동산 매매 거래시 시설자금 대출을 취급하면서 부동산 컨설팅업자로부터 실제 매매 거래보다 상향된 매매계약서를 받아 추후 허위임을 알고서도 여신 지원한 사건(51억 194만 원)이 업무상 배임으로 사고가 발생하였고, 금융감독원으로부터 조사가 진행되고 있다.

또 △부산영업부에서는 모출납 시재금 횡령 1,500만 원, △충북대학교지점에서는 카드대금 결제 등을 이유로 본인의 자출납 시재금 중 일부를 횡령 340만 원, △명동·회현역지점에서는 허위 담보물을 등록하여 부당대출금을 횡령하고 은폐를 위해 서류 일체를 스캔하지 않은 상태로 업무를 종결한 사건 121억 547만 원이 횡령사건이며, 앞서 2건에 대해서는 징계해직이 완료되었고, 마지막 건은 조사 중이다.

해외지점 횡령사고도 3건 발생돼, 현지 채용 지점장의 부당대출 등으로 총 3,368만 원 사고가 있었으며, 현지 법령에 따른 처분결과 징계해직됐다.

이밖에도 지난 5월에는 원주남지점에서는 괴한에 의한 자동화기기 현금 탈취사고가 1,943만 원이 발생했다.

한편, 10월 9일자로 금융사고 공시된 140억 원대의 금융사고는 농협은행측이 부동산담보대출 적정성 여부를 자체 내부감사 중, 제3자에 의한 사기로 의심되는 이상 거래를 발견해 수사기관에 고소 조치한 것으로 추가 확인되기도 했다.

김선교 의원은 “농협은행의 금융사고가 특히 올해 들어 건수와 금액이 대폭 늘었고, 타 은행과 비교해도 유독 사고가 잦다는 것만으로도 농협은행의 기강해이와 내부통제의 문제점을 드러나는 단초”라고 지적하면서, “특히 은행 직원들이 직접적으로 연루된 횡령, 업무상 배임 등 금융사고 근절을 위해 강력한 내부통제 혁신방안을 마련하고, 내부통제의 실효성 제고를 위한 상시감시 시스템을 구축해야 할 것”이라고 강조했다.

하인규 기자 popupnews24@naver.com

아래는 위의 글을 구글번역이 번역한 영문의 전문이다. '구글번역'은 이해도를 높이기를 위해 노력하고 있습니다. 영문 번역에 오류가 있을 수 있음을 전제로 합니다.Below is the full English translation of the above text by Google Translate. 'Google Translate' is working to improve comprehension. It is assumed that there may be errors in the English translation.

Rep. Kim Seon-gyo, 'Nonghyup Bank' financial accident amount of 36.68322 billion won over the past 5 years!

▲Embezzlement 15.31877 billion won, ▲Breach of trust 21.34502 billion won, etc.

- Financial accident amount 50.84 million won in 2019, 153.16 million won in 2020, 6.75666 billion won in 2021, 394.04 million won in 2023, and as of August this year, the financial accident amount has skyrocketed to 29.32852 billion won! - Rep. Kim, “We need to strengthen internal control and come up with effective measures to eradicate financial accidents”

- Reporter Ha In-gyu

(Yangpyeong=Break News Gyeonggi Northeast) Rep. Kim Seon-gyo (People Power Party, Yeoju-si, Yangpyeong-gun, Gyeonggi Province) of the National Assembly Agriculture, Food, Rural Affairs, Oceans and Fisheries Committee analyzed the <Nonghyup Bank Financial Accident Detection Status for the Past 5 Years (Until August 2024)> submitted by Nonghyup Bank, and revealed that the total amount of financial accidents at Nonghyup Bank over the past 5 years amounted to 36.68322 billion won.

The embezzlement amounted to 15.31877 billion won, the breach of trust in the course of business was 21.34502 billion won, and theft and embezzlement by outsiders amounted to 19.43 million won.

Also, as a result of checking the amount of financial accidents by year, it was 50.84 million won (3 cases) in 2019, 153.16 million won (5 cases) in 2020, 6.75666 billion won (3 cases) in 2021, and 394.04 million won (5 cases) in 2023, but this year, the amount of financial accidents has increased sharply to 29.32852 billion won (10 cases) as of August.

In particular, it was confirmed that the number of financial accidents that occurred at Nonghyup Bank from January to August this year increased compared to the previous year, with a total of 10 financial accidents, including 3 cases of breach of trust, 6 cases of embezzlement, and 1 case of violation of the real-name financial transaction system.

△ In the case of the Chungju City Branch, Chungil Branch, while handling facility funds loans for real estate transactions, they provided loans despite knowing that the transaction price, etc. in the real estate purchase contract submitted by the debtor was false (KRW 10.94733 billion), △ In the case of the Miryang City Branch, when a new corporation that purchased a long-term unsold commercial building was unable to obtain a loan, they recruited nominal lenders to apply for purchase funds, but they handled unfair loans despite knowing that the nominal lenders’ qualifications as debtors and collateral value were inappropriate (KRW 1.1225 billion), △ In the case of the Beommul Branch, while handling facility funds loans for real estate transactions, they received a sales contract from a real estate consulting firm that was higher than the actual transaction and provided loans even though they knew later that it was false (KRW 5.1194 billion), these incidents occurred due to breach of trust and are currently under investigation by the Financial Supervisory Service. In addition, △Busan Sales Department embezzled 15 million won of the cash advance payment, △Chungbuk National University Branch embezzled 3.4 million won of the cash advance payment under the pretext of paying card bills, etc., and △Myeongdong·Hoehyeon Station Branch embezzled 12.1547 billion won of the cash advance payment by registering false collateral and closing the business without scanning any documents to conceal the embezzlement. The two previous cases have been dismissed after disciplinary action, and the last case is under investigation.

There were also three cases of embezzlement at overseas branches, including 33.68 million won in total due to unfair loans by branch managers hired locally, and disciplinary action was taken as a result of dismissal according to local laws.

In addition, in May, Wonju Nam Branch had 19.43 million won in cash stolen from an automated teller machine by an unknown assailant.

Meanwhile, it was additionally confirmed that the 14 billion won financial accident that was disclosed as a financial accident on October 9 was a case in which Nonghyup Bank, during its own internal audit of the appropriateness of real estate collateral loans, discovered an abnormal transaction suspected of fraud by a third party and filed a complaint with the investigative agency.

Rep. Kim Seon-gyo pointed out that “the number and amount of financial accidents at Nonghyup Bank have increased significantly this year, and the fact that accidents are particularly frequent compared to other banks is a clue to the lack of discipline and internal control problems at Nonghyup Bank,” and emphasized that “in order to eradicate financial accidents such as embezzlement and breach of trust directly involving bank employees, we must devise a strong internal control innovation plan and establish a constant monitoring system to enhance the effectiveness of internal control.”