(3) 계약보증약관 개정에 따른 보증금 지급률 감소① 기존 계약

(3) 계약보증약관 개정에 따른 보증금 지급률 감소
① 기존 계약보증 약관은 주계약에서 정한 금액을 보상금액으로 규정해 두었기 때문에, 조합은 보증채권자의 실제손해 규모와 무관하게 보증금 전액을 부담하였음.
② 그러나 2012년 8월 약관개정을 통하여 조합의 보상범위를 “나머지 계약을
이행하기 위하여 추가로 투입한 금액 또는 기 시공한 부분에 대한 하자보수비”로
한정하여 조합의 보증책임이 크게 감소하였음.
③ 실제로 약관 개정 전 보증금 지급률(2014년 기준)은 보증금액 대비 약 80%이나 약관 개정 후에는 55%로 약 30% 이상 감소되었으며, 2012년 8월 이전 약관에 근거한 계약보증금 청구 건이 지속적으로 감소하고 있으므로 전체적인 계약보증금 지급률도 낮아질 것으로 예상됨.


Template table12 관련하여, 2014년말을 기준으로 하여 이미 제출되었고 우리 조합은 반기결산을 하므로 2015년 1사분기를 기준한 자료는 제출이 불가함.


전문건설공제조합은 2015년도에 운용 자산의 24%을 현금 및 예금에, 36%을
채권형 펀드에, 27%를 주식형 펀드에, 13%를 대체투자에 배분하여 투자할 계획임.

채권형 펀드는 bonds, notes, DLS 등을 편입하여 운용하는 펀드임.


‘A’(Review Meeting 자료 14페이지)의 경우 우리 조합에서 2014년말을 기준으로 우리 조합이 보증을 해주고 남은 전체 잔액을 의미하고, ‘B’(Template table4에 나와있는 2014년 잔액)의 경우 2014.1.1 ~ 2014.12.31까지의 기간에만 해당되는 보증잔액을 의미함. 따라서 양자간 차이가 발생하는 것은 당연하며, 수치오류가 아님.


한도(Limit)의 의미는, 동일한 기업이 발행한 채권에 투자 가능한 최대 금액을 의미하며, 한도금액은 기업별 신용등급에 의해 차등을 두었음.
예) 신용등급이 AAA구간인 기업에의 투자한도는 운용자산(2조2천억원)의 8%인 1,760억원

max현황(Maximum)의 의미는, 2015년 3월 현재 우리 조합이 투자하고 있는 기업별 채권의 현황을 토대로 신용등급별 동일 기업의 채권에 투자된 최대금액의 현황을 의미함.
예) 2015년 3월 현재 AAA구간의 동일 기업이 발행한 채권에 투자된 최대금액은
1,324억원이며 해당 기업은 우리은행임.

그룹별 익스포져관리는, 자산을 운용할 때 한 기업에 투자가 집중됨으로 인해 발생할 수 있는 신용편중리스크를 관리하고자 실시하였으며, 리스크관리팀에서는 이를 매월 모니터링하고 있음.

결과 (영어) 1:

(3) revise the terms and conditions of the guarantee contract pays a deposit according to the rate reduction① existing contracts the terms and conditions of the guarantee is the amount of compensation determined by the amount of the main contract stipulated because, the combination of the actual damages, and regardless of creditor guarantee deposit was paid the full amount.② terms of revision August 2012, however, the combination of coverage throughout "the rest of the contract In addition to the amount committed for part of the construction or maintenance " Qualifying was significantly reduced warranty responsibility of the Union.③ actually pays the deposit rates terms and conditions revisions ago (2014) is a revision of the terms and conditions of the guarantee amount, approximately 80% of the preparation for or after about 30% to 55% or more has been reduced, based on the terms of agreement before August 2012 deposit claims this is because the overall reduction agreement on an ongoing basis, the deposit payment rates are expected to decrease. At the end of 2014, with regard to Template table12 basis have been submitted since the closing of the combination of half of us already in 2015 based on the Q1 data is not submitted.Specialty construction credit unions operating assets in the year 2015, 24% in cash and deposits, 36% Bond Fund, 27 percent of stock funds, 13%, alternative investment plans to invest by the allocation to the IM.Bond funds, including bonds, notes, transfer to the DLS Fund. ' A ' (Review Meeting materials page 14) at the end of 2014, from a combination of us, based on our means the entire remaining balance to give a guarantee that the combination, and ' B ' (a b e l t Template 4 2014 balance) 2014.1.1 ~ 2014.12.31 the warranty period up to balance. Therefore, it is no wonder that occur and differences bilaterally, not a numerical error. The meaning of a limit (Limit), the same companies invest the maximum possible amount of bonds, and credit is made by the company credit rating differential.For example, AAA credit rating of investment companies in 3), the assets under management (2-Jo 2 billion), 8% of 760 billion wonMax (Maximum) March 2015, the meaning of the combination of investment and the current status of our company is the same as a credit based on how the bonds corporate bonds, meaning the status of maximum amount invested in. For example) is the same as the current AAA in March 2015 sectors companies were investing in bonds with a maximum amount of1, 324 billion and the companies that we Bank.Group, exposure management, when investing in a company to operate the assets to obtain credit, which can occur due to a focus on risk management, and risk management in the implementation you want to monthly monitoring.

결과 (영어) 2:

(3) deposit in accordance with the revised contractual warranty accrual rates decrease
because of existing contracts ① warranty period is left to regulations set by the prime contractor in the amount of reimbursement, paid combinations are noted for a full deposit guarantee, regardless of the actual scale of the damage creditors.
② However, in August 2012 through a revision of the terms of the combination of coverage, "the rest of the contract
to let repair costs for the additional amount committed or part construction group to implement "
limited by guarantee, the combination was reduced significantly.
③ In fact, After the amendment the deposit agreement before accrual (2014 reference) guaranteed amount by approximately 80% or revised agreement has been reduced by approximately 30% to 55%, the deposit contract in August 2012 based on the previous agreement because it claims cases continue to decline overall Contract deposit payment rate is also expected to decline. Template table12 in relation to, on the basis of the end of 2014 we have already been submitted, so the combination is half a settlement based on the first quarter 2015 data is not valid is submitted. Construction Financial Cooperative is a specialized 2015 Year of operation 24% of assets in cash and deposits, a 36% in bond funds, 27% ​​in equity funds, 13% allocation to alternative investments, we plan to invest in. Bond Fund bonds, notes, DLS etc. Im operations by transferring funds. 'A' if (Review Meeting Resources page 14) and 2014 gave me a sense we guarantee the end of a combination based on the remaining balance of our entire union, 'B' (2014 listed in the Template table4 If the balance of the year) means that only the balance of the warranty period from 01/01/2014 - 12/31/2014. And therefore natural to bilateral differences occur, not a numerical error. The meaning of the limit (Limit) is the same company and indicates the maximum amount available to invest in bonds issued, limit the amount of the differential by industry-specific credit rating Two Empty. Example) investment limit in corporate credit rating AAA segment are 8% of 1,760 billion in assets under management (2.2 trillion won) into the meaning of max (Maximum), the March 2015 our current combination of investment and which means the state of the maximum amount of money invested in the bonds of the same credit rating companies based on the status of company-specific bond. Example) March 2015 up to the same amount of money invested in bonds issued by companies with AAA in the current period is one hundred million won is 1324 the company is our Im Bank exposure management group, has invested in a company to operate the assets were biased carried out to manage the credit risk that may arise from the concentrated, and the Risk Management Team that monitored them monthly.

결과 (영어) 3:

(3) contract warranty terms of use revised deposit payment percentage decline in the existing contract back to top
1 warranty terms of use is set forth in the agreement, the amount of money as compensation was, combination of creditors warranties and it has nothing to do with the size of the actual damage to deposit money to pay it. back to top
2 but August, 2012 through the revision of the terms of the compensation range, the rest of the contract is to do back to top
additional amount invested or to look at the best parts of the defense by qualifying it with "The top
the warranty is largely responsible for this decreased due to it. back to top
3 In fact, the revision of the terms of deposit payment percentage (2014 standard) compared to 80 percent of the guarantee amount after the revision of the terms of, or 55 percent, more than 30 percent reduction, and August, 2012 based on previous terms, contract deposit is charged to continue to decline, so the overall contract deposit payment percentage is expected to be lower. Back to top
back to top
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Template table 12 in relation toAt the end of 2014, have already been submitted to us, and the combination of accounts of the revolt of 2015, because the first quarter based on the materials submitted by the fire. Top
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construction cooperative assets in 2015 to 24 percent in cash and deposits, 36 percent of top
bond funds, 27 percent of the equity funds, 13 percent of the alternative investment allocated to the investment plan. back to top
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bond fund bonds, notes, and incorporate DLS that funds managed by Lim. back to top
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"A' (Review Meeting data page 14 of our union in 2014 at the end of this warranty, we combination and balance of the whole, 'B' (Template table 4 2014 balance on the market in case of the 20140.12 20140.1 1 ~ 31 during specific to the warranty balance mean. As a result, bilateral difference occurs, it is obvious that the figure, or an error. Back to top
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limit (Limit) the meaning, and for the same companies to invest in the largest possible amount of bonds meanslimit the amount of credit companies by that smokers. Top
for example) credit limits AAA section of the corporate assets of 2.2 trillion won, 8 percent of the 1, 76 A won ㅜ Max status (Maximum) The Meaning, March, 2015 we are now investing in companies based on the current status of bond credit rating stars of the same companies invested in the maximum amount of bonds to mean. Top
for example) March, 2015 current AAA segments of identical companies invested in bonds, the maximum amount is top
1A 32.4 billion won, and the company that the Woori Bank. back to top
back to top
group-ik, a sports management, asset investment companies can interoperate with focus can occur due to credit risk concentration, to manage and conduct, and the risk management team that monitors the monthly. Top
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