Qualifying holding, 적격 보유란?

ECB에서 말하는 적격 보유의 개념은 인수기업이 피 인수기업을 인수하는것이 과연 건전한지 혹은 합당한지 여부를 판단하는 개념으로 ECB에서 말하는 Qulifying holding의 정의하고 이에 따른 의무 등은 다음과 같습니다.

ECB는 적격 지분의 취득을 승인하고 있으며 이 목적을 적합한 주주만 은행업을 영위하도록 하는 것이 목적임을 밝히고 있습니다.

 

 

Qulifying holding이란?

은행업 참여는 은행 내 주식 및/또는 의결권의 10% 이상을 상당하거나 다른 관련 기준(20%, 30% 또는 50%)을 초과하는 경우 이를 "적격 보유"로 설명할 수 있다. 또한, 은행 경영에 중대한 영향을 미치는 경영 이사회의 임명권이나 그 밖의 수단을 획득하는 것 또한 "적격 보유"의 범위에 속한다.
유럽 은행 감독자로서, ECB는 참가국의 모든 은행에 대한 적격 지분의 취득을 승인할 책임이 있다.

적격지분 취득에 사전 승인이 필요한 이유는 무엇입니까?
승인절차는 은행 시스템의 원활한 기능에 차질이 생기지 않도록 적합한 주주만 은행 시스템에 진입하도록 하는 것이 목적이다. 특히, 이 평가는 제안된 취득자가 평판이 좋고 필요한 재무건전성을 갖추고 있으며, 대상 은행이 계속적으로 신중한 요구사항을 충족할 것이며, 거래가 범죄활동에서 파생된 자금으로 조달되지 않는다는 것을 보장하기 위한 것이다.

누가 적격 홀딩을 획득할 수 있습니까?
일반적으로, 평가 기준을 만족하는 사람은 누구나 은행의 적격 지분을 취득할 수 있다. 이것은 자연인과 법인을 모두 포함한다.

어떤 기준을 평가합니까?
그 기준은 유럽 수준에서 조화를 이루고 있다. CRD는 제안된 인수를 평가하는 다섯 가지 기준을 제시한다.

 

 

원문:

What is a qualifying holding?

18 March 2016

A participation in a bank can be described as a “qualifying holding” when it represents 10% or more of the shares and/or voting rights in the bank or crosses the other relevant thresholds (20%, 30% or 50%). In addition, obtaining rights to appoint the (majority of) the management board or other means of providing significant influence over the management of the bank also falls within the scope of a “qualifying holding”.

As the European banking supervisor, the ECB is responsible for approving the proposed acquisitions of qualifying holdings for all banks in the participating countries.

Why do acquisitions of qualifying holdings require prior approval?

The approval process aims to ensure that only suitable shareholders enter the banking system in order to prevent any disruptions to the smooth functioning of the banking system.

In particular, the assessment is intended to ensure that the proposed acquirer is of good reputation and has the necessary financial soundness, that the targeted bank will continue to meet its prudential requirements and that the transaction is not financed with money derived from criminal activities.

Who can acquire a qualifying holding?

Generally speaking, anyone who satisfies the assessment criteria can acquire a qualifying holding in a bank. This includes both natural persons and legal persons.

Which criteria are assessed?

The criteria are harmonised at European level. CRD sets out the five criteria against which the proposed acquisition is assessed:

 

출처 : https://www.bankingsupervision.europa.eu/about/ssmexplained/html/qh.en.html