광주지방법원 해남지원 | 2015-11-19 | 2014가단20483
법원 판례 기준으로 판결요지와 원문 출처를 내부에서 확인하세요.
원문이 아닌 정리본이며, 저장된 요약의 끝부분이 잘려 있을 수 있습니다.
직원의 고의적 불법행위로 인한 손해배상 책임 및 책임 제한
결과 요약
- 회사는 근로자에게 9,752,000원 및 이에 대한 지연손해금을 지급함.
- 근로자의 나머지 청구는 기각함.
사실관계
- 원고 수협은 수산업협동조합법에 따라 설립된 지구별 수산업협동조합임.
- 회사는 1988. 8. 25.부터 2006. 5. 16.까지 원고 수협의 직원으로 근무함.
- 원고 수협은 2006. 1. 20.부터 2006. 5. 12.까지 B, C에게 이 사건 각 대출을 실행하였고, 회사는 원고 수협의 D지점장으로서 위 각 대출에 관한 업무를 취급함.
- 회사는 2006. 5. 8. D지점장에서 본점 E과장으로 발령받았으나, 새로운 근무지로 옮기기 전 전결권자로서 이 사건 제2대출 및 제3대출을 승인함.
- 원고 수협은 채무자들이 대출금을 변제하지 못하자 담보권 실행을 위한 경매를 신청하고 배당이의를 하는 등 노력하였으나, 이 사건 제1대출 원리금 121,516,000원, 제2대출 원리금 42,550,000원, 제3대출 원리금 65,389,000원을 상환받지 못하고 일부는 대손상각 처리함.
- 수협중앙회는 2011. 5. 16.부터 2011. 5. 25.까지 원고 수협을 감사하여 회사에게 정직 3개월의 징계를 요구함.
- 회사는 이 사건 제2대출 및 제3대출과 관련하여 광주지방법원 2012고합1311호로 기소되어 2013. 5. 29. 징역 1년에 집행유예 2년의 유죄판결을 선고받았고, 항소심(광주고등법원 2013노283호)에서도 항소 기각되어 유죄판결이 확정됨.
핵심 쟁점, 법리 및 법원의 판단
이 사건 제1대출 관련 손해배상책임의 발생 여부
- 쟁점: 회사가 대출일 이후 근저당권을 설정하고, 분할 전 토지의 개별공시지가를 기준으로 담보 가치를 과다 산정하여 원고 수협의 규정을 위반하고 담보 확보 업무를 소홀히 한 과실이 있는지 여부.
- 법리: 수협중앙회의 '여신업무방법' 제1편 제4장 제1절 제116조는 "담보는 대출 실행 전에 취득함을 원칙으로 한다."고 규정함.
- 판단:
- 회사가 대출 실행 후 근저당권을 설정한 것은 내부 규정 위반이나, 그 사이에 담보 가치에 변화가 없어 손해와의 인과관계가 없음.
- 분할 전 토지의 개별공시지가를 기준으로 담보평가를 한 것은, 당시 분할된 토지의 개별공시지가가 공시되지 않았고, 기존 토지와 분할된 토지의 입지 및 지목이 동일하여 담당자가 큰 차이를 예상하기 어려웠으므로, 선량한 관리자로서의 주의의무 위반 과실이 있다고 할 수 없음.
- 따라서 이 사건 제1대출 관련 손해배상청구는 이유 없음.
확보한 수집 내용입니다. 전문 여부와 앞뒤 누락, 문단·표·공백의 원형 보존은 확인되지 않았습니다.
공식 원문 미확인
광주지방법원해남지원 판결
사건: 2014가단20483 손해배상(기) 원고: 완도소안 수산업협동조합 피고: A 변론종결: 2015. 9. 24. 판결선고: 2015. 11. 19.
1. 피고는 원고에게 9,752,000원 및 이에 대하여 2014. 5. 29.부터 2015. 11, 19.까지는 연 5%의, 그 다음날부터 다 갚는 날까지는 연 20%의 각 비율로 계산한 금원을 지급하라 2. 원고의 나머지 청구를 기각한다. 3. 소송비용 중 4/5는 원고가, 나머지는 피고가 각 부담한다. 4. 제1항은 가집행할 수 있다.
1. 기초 사실 가. 당사자의 지위 원고 완도소안 수산업협동조합(이하 '원고 수협'이라 한다)은 수산업협동조합법에 따라 설립된 지구별 수산업협동조합이고, 피고 A은 1988. 8. 25.부터 2006. 5. 16.까지 원고 수협의 직원으로 근무했던 사람이다(갑 제9호증). 나. 이 사건 각 대출의 실행 1) 원고 수협은 2006. 1. 20.부터 2006. 5. 12.까지 B, C으로부터 그들 소유의 토지와 그 지상 건물에 관하여 근저당권을 설정받고 그들에게 다음 표 기재와 같은 대출(이하 '이 사건 각 대출'이라 한다)을 실행하였고,
{"source_kind": "bigcase_html", "member_only": false, "extraction_method": "next_data", "ai_summary": "# \uc9c1\uc6d0\uc758 \uace0\uc758\uc801 \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1 \ucc45\uc784 \ubc0f \ucc45\uc784 \uc81c\ud55c\n## \uacb0\uacfc \uc694\uc57d\n- \ud53c\uace0\ub294 \uc6d0\uace0\uc5d0\uac8c 9,752,000\uc6d0 \ubc0f \uc774\uc5d0 \ub300\ud55c \uc9c0\uc5f0\uc190\ud574\uae08\uc744 \uc9c0\uae09\ud568.\n- \uc6d0\uace0\uc758 \ub098\uba38\uc9c0 \uccad\uad6c\ub294 \uae30\uac01\ud568.\n## \uc0ac\uc2e4\uad00\uacc4\n- \uc6d0\uace0 \uc218\ud611\uc740 \uc218\uc0b0\uc5c5\ud611\ub3d9\uc870\ud569\ubc95\uc5d0 \ub530\ub77c \uc124\ub9bd\ub41c \uc9c0\uad6c\ubcc4 \uc218\uc0b0\uc5c5\ud611\ub3d9\uc870\ud569\uc784.\n- \ud53c\uace0\ub294 1988. 8. 25.\ubd80\ud130 2006. 5. 16.\uae4c\uc9c0 \uc6d0\uace0 \uc218\ud611\uc758 \uc9c1\uc6d0\uc73c\ub85c \uadfc\ubb34\ud568.\n- \uc6d0\uace0 \uc218\ud611\uc740 2006. 1. 20.\ubd80\ud130 2006. 5. 12.\uae4c\uc9c0 B, C\uc5d0\uac8c \uc774 \uc0ac\uac74 \uac01 \ub300\ucd9c\uc744 \uc2e4\ud589\ud558\uc600\uace0, \ud53c\uace0\ub294 \uc6d0\uace0 \uc218\ud611\uc758 D\uc9c0\uc810\uc7a5\uc73c\ub85c\uc11c \uc704 \uac01 \ub300\ucd9c\uc5d0 \uad00\ud55c \uc5c5\ubb34\ub97c \ucde8\uae09\ud568.\n- \ud53c\uace0\ub294 2006. 5. 8. D\uc9c0\uc810\uc7a5\uc5d0\uc11c \ubcf8\uc810 E\uacfc\uc7a5\uc73c\ub85c \ubc1c\ub839\ubc1b\uc558\uc73c\ub098, \uc0c8\ub85c\uc6b4 \uadfc\ubb34\uc9c0\ub85c \uc62e\uae30\uae30 \uc804 \uc804\uacb0\uad8c\uc790\ub85c\uc11c \uc774 \uc0ac\uac74 \uc81c2\ub300\ucd9c \ubc0f \uc81c3\ub300\ucd9c\uc744 \uc2b9\uc778\ud568.\n- \uc6d0\uace0 \uc218\ud611\uc740 \ucc44\ubb34\uc790\ub4e4\uc774 \ub300\ucd9c\uae08\uc744 \ubcc0\uc81c\ud558\uc9c0 \ubabb\ud558\uc790 \ub2f4\ubcf4\uad8c \uc2e4\ud589\uc744 \uc704\ud55c \uacbd\ub9e4\ub97c \uc2e0\uccad\ud558\uace0 \ubc30\ub2f9\uc774\uc758\ub97c \ud558\ub294 \ub4f1 \ub178\ub825\ud558\uc600\uc73c\ub098, \uc774 \uc0ac\uac74 \uc81c1\ub300\ucd9c \uc6d0\ub9ac\uae08 121,516,000\uc6d0, \uc81c2\ub300\ucd9c \uc6d0\ub9ac\uae08 42,550,000\uc6d0, \uc81c3\ub300\ucd9c \uc6d0\ub9ac\uae08 65,389,000\uc6d0\uc744 \uc0c1\ud658\ubc1b\uc9c0 \ubabb\ud558\uace0 \uc77c\ubd80\ub294 \ub300\uc190\uc0c1\uac01 \ucc98\ub9ac\ud568.\n- \uc218\ud611\uc911\uc559\ud68c\ub294 2011. 5. 16.\ubd80\ud130 2011. 5. 25.\uae4c\uc9c0 \uc6d0\uace0 \uc218\ud611\uc744 \uac10\uc0ac\ud558\uc5ec \ud53c\uace0\uc5d0\uac8c \uc815\uc9c1 3\uac1c\uc6d4\uc758 \uc9d5\uacc4\ub97c \uc694\uad6c\ud568.\n- \ud53c\uace0\ub294 \uc774 \uc0ac\uac74 \uc81c2\ub300\ucd9c \ubc0f \uc81c3\ub300\ucd9c\uacfc \uad00\ub828\ud558\uc5ec \uad11\uc8fc\uc9c0\ubc29\ubc95\uc6d0 2012\uace0\ud5691311\ud638\ub85c \uae30\uc18c\ub418\uc5b4 2013. 5. 29. \uc9d5\uc5ed 1\ub144\uc5d0 \uc9d1\ud589\uc720\uc608 2\ub144\uc758 \uc720\uc8c4\ud310\uacb0\uc744 \uc120\uace0\ubc1b\uc558\uace0, \ud56d\uc18c\uc2ec(\uad11\uc8fc\uace0\ub4f1\ubc95\uc6d0 2013\ub178283\ud638)\uc5d0\uc11c\ub3c4 \ud56d\uc18c \uae30\uac01\ub418\uc5b4 \uc720\uc8c4\ud310\uacb0\uc774 \ud655\uc815\ub428.\n## \ud575\uc2ec \uc7c1\uc810, \ubc95\ub9ac \ubc0f \ubc95\uc6d0\uc758 \ud310\ub2e8\n### \uc774 \uc0ac\uac74 \uc81c1\ub300\ucd9c \uad00\ub828 \uc190\ud574\ubc30\uc0c1\ucc45\uc784\uc758 \ubc1c\uc0dd \uc5ec\ubd80\n- **\uc7c1\uc810**: \ud53c\uace0\uac00 \ub300\ucd9c\uc77c \uc774\ud6c4 \uadfc\uc800\ub2f9\uad8c\uc744 \uc124\uc815\ud558\uace0, \ubd84\ud560 \uc804 \ud1a0\uc9c0\uc758 \uac1c\ubcc4\uacf5\uc2dc\uc9c0\uac00\ub97c \uae30\uc900\uc73c\ub85c \ub2f4\ubcf4 \uac00\uce58\ub97c \uacfc\ub2e4 \uc0b0\uc815\ud558\uc5ec \uc6d0\uace0 \uc218\ud611\uc758 \uaddc\uc815\uc744 \uc704\ubc18\ud558\uace0 \ub2f4\ubcf4 \ud655\ubcf4 \uc5c5\ubb34\ub97c \uc18c\ud640\ud788 \ud55c \uacfc\uc2e4\uc774 \uc788\ub294\uc9c0 \uc5ec\ubd80.\n- **\ubc95\ub9ac**: \uc218\ud611\uc911\uc559\ud68c\uc758 '\uc5ec\uc2e0\uc5c5\ubb34\ubc29\ubc95' \uc81c1\ud3b8 \uc81c4\uc7a5 \uc81c1\uc808 \uc81c116\uc870\ub294 \"\ub2f4\ubcf4\ub294 \ub300\ucd9c \uc2e4\ud589 \uc804\uc5d0 \ucde8\ub4dd\ud568\uc744 \uc6d0\uce59\uc73c\ub85c \ud55c\ub2e4.\"\uace0 \uaddc\uc815\ud568.\n- **\ud310\ub2e8**:\n- \ud53c\uace0\uac00 \ub300\ucd9c \uc2e4\ud589 \ud6c4 \uadfc\uc800\ub2f9\uad8c\uc744 \uc124\uc815\ud55c \uac83\uc740 \ub0b4\ubd80 \uaddc\uc815 \uc704\ubc18\uc774\ub098, \uadf8 \uc0ac\uc774\uc5d0 \ub2f4\ubcf4 \uac00\uce58\uc5d0 \ubcc0\ud654\uac00 \uc5c6\uc5b4 \uc190\ud574\uc640\uc758 \uc778\uacfc\uad00\uacc4\uac00 \uc5c6\uc74c.\n- \ubd84\ud560 \uc804 \ud1a0\uc9c0\uc758 \uac1c\ubcc4\uacf5\uc2dc\uc9c0\uac00\ub97c \uae30\uc900\uc73c\ub85c \ub2f4\ubcf4\ud3c9\uac00\ub97c \ud55c \uac83\uc740, \ub2f9\uc2dc \ubd84\ud560\ub41c \ud1a0\uc9c0\uc758 \uac1c\ubcc4\uacf5\uc2dc\uc9c0\uac00\uac00 \uacf5\uc2dc\ub418\uc9c0 \uc54a\uc558\uace0, \uae30\uc874 \ud1a0\uc9c0\uc640 \ubd84\ud560\ub41c \ud1a0\uc9c0\uc758 \uc785\uc9c0 \ubc0f \uc9c0\ubaa9\uc774 \ub3d9\uc77c\ud558\uc5ec \ub2f4\ub2f9\uc790\uac00 \ud070 \ucc28\uc774\ub97c \uc608\uc0c1\ud558\uae30 \uc5b4\ub824\uc6e0\uc73c\ubbc0\ub85c, \uc120\ub7c9\ud55c \uad00\ub9ac\uc790\ub85c\uc11c\uc758 \uc8fc\uc758\uc758\ubb34 \uc704\ubc18 \uacfc\uc2e4\uc774 \uc788\ub2e4\uace0 \ud560 \uc218 \uc5c6\uc74c.\n- \ub530\ub77c\uc11c \uc774 \uc0ac\uac74 \uc81c1\ub300\ucd9c \uad00\ub828 \uc190\ud574\ubc30\uc0c1\uccad\uad6c\ub294 \uc774\uc720 \uc5c6\uc74c.\n### \uc774 \uc0ac\uac74 \uc81c2\ub300\ucd9c \ubc0f \uc81c3\ub300\ucd9c \uad00\ub828 \uc190\ud574\ubc30\uc0c1\ucc45\uc784\uc758 \ubc1c\uc0dd \uc5ec\ubd80\n- **\uc7c1\uc810**: \ud53c\uace0\uc758 \uace0\uc758\uc801 \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1\ucc45\uc784\uc774 \uc778\uc815\ub418\ub294\uc9c0 \uc5ec\ubd80 \ubc0f \ud53c\uace0\uc758 \ucc45\uc784 \uc81c\ud55c \uc8fc\uc7a5\uacfc \uc18c\uba78\uc2dc\ud6a8 \ud56d\ubcc0\uc758 \ud0c0\ub2f9\uc131 \uc5ec\ubd80.\n- **\ubc95\ub9ac**:\n- \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1\uccad\uad6c\uad8c\uc758 \ub2e8\uae30\uc18c\uba78\uc2dc\ud6a8\uc5d0\uc11c '\uc190\ud574\ub97c \uc548 \ub0a0'\uc740 \uc190\ud574\uc758 \ubc1c\uc0dd \uc0ac\uc2e4\ubfd0\ub9cc \uc544\ub2c8\ub77c \uadf8 \ud589\uc704\uac00 \ubd88\ubc95\ud589\uc704\ub97c \uad6c\uc131\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uae4c\uc9c0 \ud604\uc2e4\uc801\uc774\uace0 \uad6c\uccb4\uc801\uc73c\ub85c \uc778\uc2dd\ud55c \ub0a0\uc744 \uc758\ubbf8\ud568 (\ub300\ubc95\uc6d0 1989. 9. 12. \uc120\uace0 89\ub2e4\uce742285 \ud310\uacb0, \ub300\ubc95\uc6d0 1991. 3. 22. \uc120\uace0 90\ub2e48152 \ud310\uacb0 \ub4f1 \uc778\uc6a9).\n- \uace0\uc758\uc5d0 \uc758\ud55c \ubd88\ubc95\ud589\uc704\uc758 \uacbd\uc6b0\uc5d0\ub3c4 \uacfc\uc2e4\uc0c1\uacc4\ub098 \uacf5\ud3c9\uc758 \uc6d0\uce59\uc5d0 \uae30\ud55c \ucc45\uc784 \uc81c\ud55c\uc740 \uac00\ub2a5\ud568 (\ub300\ubc95\uc6d0 2007. 10. 25. \uc120\uace0 2006\ub2e416758 \ud310\uacb0 \ub4f1 \uc778\uc6a9).\n- **\ud310\ub2e8**:\n- \ud53c\uace0\ub294 \uc2e4\uc81c \ucc44\ubb34\uc790\uac00 \uc2e0\uc6a9\ubd88\ub7c9\uc790\uc784\uc744 \uc54c\uba74\uc11c\ub3c4 \ub2e4\ub978 \uc0ac\ub78c\uc758 \uc2e0\uc6a9\uc744 \ud3c9\uac00\ud558\uc5ec \ub300\ucd9c\uc744 \uc2e4\ud589\ud558\uace0 \ub2f4\ubcf4\ub97c \ucde8\ub4dd\ud558\uc9c0 \uc54a\ub294 \ub4f1 \ubc30\uc784\ud589\uc704\ub97c \ud558\uc600\uc73c\ubbc0\ub85c, \uace0\uc758\uc758 \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1\ucc45\uc784\uc774 \uc778\uc815\ub428.\n- \uc6d0\uace0 \uc218\ud611\uc774 \uc0ac\ud6c4\uad00\ub9ac\ub97c \uc18c\ud640\ud788 \ud55c \uce21\uba74\uc774 \uc788\ub354\ub77c\ub3c4 \uc774\ub294 \ucc45\uc784 \uc81c\ud55c\uc758 \uc694\uc18c\uc77c \ubfd0, \ud53c\uace0\uc758 \uace0\uc758\uc801 \ubd88\ubc95\ud589\uc704\uc640 \uc190\ud574 \ubc1c\uc0dd \uc0ac\uc774\uc758 \uc778\uacfc\uad00\uacc4\uac00 \ub2e8\uc808\ub418\uc9c0 \uc54a\uc73c\ubbc0\ub85c, \ud53c\uace0\uc758 \uc190\ud574\ubc30\uc0c1\ucc45\uc784\uc740 \ubd80\uc815\ub418\uc9c0 \uc54a\uc74c.\n- \uc18c\uba78\uc2dc\ud6a8 \uc8fc\uc7a5\uc5d0 \ub300\ud574, \uc6d0\uace0 \uc218\ud611\uc740 \uc218\ud611\uc911\uc559\ud68c\uc758 \uac10\uc0ac \ubc0f \ud53c\uace0\uc758 \uc720\uc8c4\ud310\uacb0 \ud655\uc815 \uc774\ud6c4\uc5d0\uc57c \ud53c\uace0\uc758 \ud589\uc704\uac00 \ubd88\ubc95\ud589\uc704\ub97c \uad6c\uc131\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ud604\uc2e4\uc801\uc73c\ub85c \uc778\uc2dd\ud558\uc600\ub2e4\uace0 \ubcf4\uc544\uc57c \ud558\ubbc0\ub85c, \ubc30\ub2f9\uc808\ucc28 \uc885\ub8cc \uc2dc\uc810\uc744 \uae30\uc900\uc73c\ub85c \uc18c\uba78\uc2dc\ud6a8\uac00 \uc644\uc131\ub418\uc5c8\ub2e4\ub294 \ud53c\uace0\uc758 \uc8fc\uc7a5\uc740 \uc774\uc720 \uc5c6\uc74c.\n### \uc190\ud574\ubc30\uc0c1\uc758 \ubc94\uc704 \ubc0f \ucc45\uc784 \uc81c\ud55c\n- **\uc7c1\uc810**: \ud53c\uace0\uc758 \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\uc561 \uc0b0\uc815 \ubc0f \ucc45\uc784 \uc81c\ud55c\uc758 \uc815\ub3c4.\n- **\ubc95\ub9ac**: \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc7ac\uc0b0\uc0c1 \uc190\ud574\ub294 \ubd88\ubc95\ud589\uc704\uac00 \uc5c6\uc5c8\ub354\ub77c\uba74 \uc874\uc7ac\ud558\uc600\uc744 \uc7ac\uc0b0\uc0c1\ud0dc\uc640 \ud604\uc7ac\uc758 \uc7ac\uc0b0\uc0c1\ud0dc\uc758 \ucc28\uc774\ub85c, \uc0ac\ud68c\ud1b5\ub150\uc5d0 \ube44\ucd94\uc5b4 \ud569\ub9ac\uc801\uc73c\ub85c \ud310\ub2e8\ud568 (\ub300\ubc95\uc6d0 2011. 7. 28. \uc120\uace0 2010\ub2e476368 \ud310\uacb0 \ub4f1 \uc778\uc6a9).\n- **\ud310\ub2e8**:\n- \uc6d0\uace0 \uc218\ud611\uc774 \uac01\uc885 \uad8c\ub9ac\uad6c\uc81c\uc218\ub2e8\uc744 \ud65c\uc6a9\ud588\uc74c\uc5d0\ub3c4 \uc0c1\ud658\ubc1b\uc9c0 \ubabb\ud55c \uc774 \uc0ac\uac74 \uc81c2\ub300\ucd9c 42,550,000\uc6d0\uacfc \uc81c3\ub300\ucd9c 65,389,000\uc6d0\uc744 \uc190\ud574\uc561\uc73c\ub85c \uc0b0\uc815\ud568.\n- \ud53c\uace0\uc758 \uc5ed\ud560, \uad00\uc5ec \uc815\ub3c4, \uc6d0\uace0 \uc218\ud611\uc758 \ud53c\ud574 \ud68c\ubcf5 \ub178\ub825, \uc6d0\uace0 \uc218\ud611\uc758 \uc0ac\ud6c4\uad00\ub9ac \uc18c\ud640 \ub4f1 \uc81c\ubc18 \uc694\uc18c\ub97c \uace0\ub824\ud558\uc5ec \ud53c\uace0\uc758 \uc190\ud574\ubc30\uc0c1\ucc45\uc784 \ubc94\uc704\ub97c \uc704 \uc190\ud574\uc561\uc758 20%\ub85c \uc81c\ud55c\ud568.\n- \ub530\ub77c\uc11c \ud53c\uace0\uac00 \ubc30\uc0c1\ud560 \uc190\ud574\uc561\uc740 \uc774 \uc0ac\uac74 \uc81c2\ub300\ucd9c \uad00\ub828 8,510,000\uc6d0(=42,550,000\uc6d0 \u00d7 0.2)\uacfc \uc774 \uc0ac\uac74 \uc81c3\ub300\ucd9c \uad00\ub828 \uc6d0\uace0\uac00 \uad6c\ud558\ub294 1,242,000\uc6d0\uc744 \ud569\ud55c 9,752,000\uc6d0\uc784.\n- \uc774\uc5d0 \ub300\ud574 \uc18c\uc7a5 \ubd80\ubcf8 \uc1a1\ub2ec\uc77c \ub2e4\uc74c\ub0a0\uc778 2014. 5. 29.\ubd80\ud130 \ud310\uacb0 \uc120\uace0\uc77c\uc778 2015. 11. 19.\uae4c\uc9c0\ub294 \uc5f0 5%, \uadf8 \ub2e4\uc74c\ub0a0\ubd80\ud130 \ub2e4 \uac1a\ub294 \ub0a0\uae4c\uc9c0\ub294 \uc5f0 20%\uc758 \uc9c0\uc5f0\uc190\ud574\uae08\uc744 \uc9c0\uae09\ud560 \uc758\ubb34\uac00 \uc788\uc74c.\n#### \uad00\ub828 \ud310\ub840 \ubc0f \ubc95\ub839\n- **\ubbfc\ubc95 \uc81c766\uc870 \uc81c1\ud56d**: \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1\uc758 \uccad\uad6c\uad8c\uc740 \ud53c\ud574\uc790\ub098 \uadf8 \ubc95\uc815\ub300\ub9ac\uc778\uc774 \uadf8 \uc190\ud574 \ubc0f \uac00\ud574\uc790\ub97c \uc548 \ub0a0\ub85c\ubd80\ud130 3\ub144\uac04 \uc774\ub97c \ud589\uc0ac\ud558\uc9c0 \uc54a\uc73c\uba74 \uc2dc\ud6a8\ub85c \uc778\ud558\uc5ec \uc18c\uba78\ud55c\ub2e4.\n- **\uc18c\uc1a1\ucd09\uc9c4 \ub4f1\uc5d0 \uad00\ud55c \ud2b9\ub840\ubc95**: \uc9c0\uc5f0\uc190\ud574\uae08 \uc774\uc728 \uad00\ub828.\n## \uac80\ud1a0\n- \ubcf8 \ud310\uacb0\uc740 \uc9c1\uc6d0\uc758 \uace0\uc758\uc801 \ubd88\ubc95\ud589\uc704\ub85c \uc778\ud55c \uc190\ud574\ubc30\uc0c1 \ucc45\uc784 \uc778\uc815 \uc5ec\ubd80 \ubc0f \uadf8 \ubc94\uc704, \ud2b9\ud788 \uc18c\uba78\uc2dc\ud6a8 \uae30\uc0b0\uc810\uacfc \ucc45\uc784 \uc81c\ud55c\uc758 \uc801\uc6a9\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \ud310\ub2e8 \uae30\uc900\uc744 \uc81c\uc2dc\ud568.\n- \uace0\uc758\uc801 \ubd88\ubc95\ud589\uc704\uc758 \uacbd\uc6b0\uc5d0\ub3c4 \ud53c\ud574\uc790\uc758 \uacfc\uc2e4\uc744 \uc774\uc720\ub85c \ucc45\uc784 \uc81c\ud55c\uc774 \uac00\ub2a5\ud568\uc744 \uba85\ud655\ud788 \ud558\uc5ec, \uacf5\ud3c9\uc758 \uc6d0\uce59\uc744 \uc801\uc6a9\ud568.\n- \ub0b4\ubd80 \uaddc\uc815 \uc704\ubc18\uc774 \uace7\ubc14\ub85c \uc190\ud574\ubc30\uc0c1 \ucc45\uc784\uc73c\ub85c \uc774\uc5b4\uc9c0\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc704\ubc18 \ud589\uc704\uc640 \uc190\ud574 \ubc1c\uc0dd \uc0ac\uc774\uc758 \uc778\uacfc\uad00\uacc4\uac00 \uc911\uc694\ud568\uc744 \ud655\uc778\ud568."}
이 사건 제2대출 및 제3대출 관련 손해배상책임의 발생 여부
- 쟁점: 회사의 고의적 불법행위로 인한 손해배상책임이 인정되는지 여부 및 회사의 책임 제한 주장과 소멸시효 항변의 타당성 여부.
- 법리:
- 불법행위로 인한 손해배상청구권의 단기소멸시효에서 '손해를 안 날'은 손해의 발생 사실뿐만 아니라 그 행위가 불법행위를 구성한다는 사실까지 현실적이고 구체적으로 인식한 날을 의미함 (대법원 1989. 9. 12. 선고 89다카2285 판결, 대법원 1991. 3. 22. 선고 90다8152 판결 등 인용).
- 고의에 의한 불법행위의 경우에도 과실상계나 공평의 원칙에 기한 책임 제한은 가능함 (대법원 2007. 10. 25. 선고 2006다16758 판결 등 인용).
- 판단:
- 회사는 실제 채무자가 신용불량자임을 알면서도 다른 사람의 신용을 평가하여 대출을 실행하고 담보를 취득하지 않는 등 배임행위를 하였으므로, 고의의 불법행위로 인한 손해배상책임이 인정됨.
- 원고 수협이 사후관리를 소홀히 한 측면이 있더라도 이는 책임 제한의 요소일 뿐, 회사의 고의적 불법행위와 손해 발생 사이의 인과관계가 단절되지 않으므로, 회사의 손해배상책임은 부정되지 않음.
- 소멸시효 주장에 대해, 원고 수협은 수협중앙회의 감사 및 회사의 유죄판결 확정 이후에야 회사의 행위가 불법행위를