Gründung von Vermögensverwaltungsgesellschaften und Banken (Einlagenkreditinstitute): Schwedische Creditunion

• Index Bank gründen - English language Offshore Bank License

• Grundsätzliche Überlegungen bei Gründung einer Bank

• Übersicht Gründung einer Bank EWR und Offshore

• Bankrecht/Kreditwesengesetz

• Vermögensverwaltungsgesellschaft gründen

• Ablauf der Gründungen und steuerrechtliche Aspekte bei einer Bankgründung

Hinweis zur Schwedischen Creditunion: Aufgrund der geänderten Gesetzeslage in Schweden ist eine Schwedische Creditunion nur noch bedingt zu empfehlen: Mitglieder dürfen nur noch natürliche Personen sein, mit gleichem Berufsstand. Die erlaubten Finanzdienstleistungen sind stark eingeschränkt. Wir empfehlen daher die Gründung einer Neuseeland Finanzdienstleistungsgesellschaft mit Genehmigung für Bankgeschäfte, Offshore Banklizenzen (Belize, Cayman Islands) oder die Bankgründung Schweiz, USA oder im EWR.

Eine Schwedische Credit Union kann legal Dienstleistungen in der EU anbieten, welche normalerweise nur von voll lizenzierten Banken angeboten werden können, wie z.B. Einlagen annehmen, Darlehen geben, etc., so lange wie sie diese Dienste ausschließlich Mitgliedern der Credit Union gewährt. Ein möglicher Kunde kann automatisch Mitglied werden, wenn er ein Konto eröffnen will, ein Darlehen beantragt oder jeden anderen Service der Credit Union in Anspruch nimmt.

Dieser Typ einer Credit Union, die wir hier anbieten, ist in Schweden registriert, einem Voll-Mitglied der Europäischen Union. Die Gesellschaft kann bis zu 1000 Mitglieder aufnehmen und ist befreit von der Erfordernis einer Banklizenz. Die Mitglieder können jeglicher Nationalität und in jedem Land weltweit resident sein. Die Geschäftsführung (Minimum 3 Direktoren) können ebenso jeglicher Nationalität sein, allerdings müssen mindestens 50% eine Adresse innerhalb der EU haben. Außerdem muss mindestens ein Direktor in Schweden ansässig sein im Sinne (Ort der geschäftlichen Oberleitung gemäß DBA). Gegen Gebühr können wir in Schweden Ansässige treuhänderisch als Direktoren stellen.

Die schwedische Credit Union ist ein exzellentes Werkzeug, um Kapital mittels internationalen Einlagen zu sammeln und um in Anlage- und Kreditgeschäften tätig zu werden. Der Name einer Credit Union kann nicht das Wort “Bank” enthalten, aber Begriffe wie  "Credit Union", "Savings & Loan", "Trust" usw. sind alle erlaubt.
 

Articles of Association for XXX Credit Union

1. Name

The name of the entity is XXX Credit Union.

2. Purpose

The association will benefit its members financial interests

by satisfying financing needs among its members, The

association will make loans and take deposits from members

and offer related services in accordance with the Swedish

banking act (2004:297). The association shall comply with

any regulations that the financial supervisory authority impose

or will impose on the mentioned activities.

3. Base of board of directors

The board of directors have its base in XXX.

4. Membership

A member can be accepted if he/she can be expected to comply

with these articles of association and further fits the member profile:

1. Selfemployed in need of international savings/loan products and/or;

2. Have the intention to save or borrow funds outside the country of residence;

3. Be able to submit identification such as passport of nationa ID card;

4. Be resident in a country approved by the assocation for memberships

The assocation should have a maximum of 1000 physical persons as members

at all times. Approval of membership is made by the board of directors or anyone

appointed by the board.

5. Members obligations

A member should have the intention to engage the services of the

association, meaning intend to deposit and/or borrow funds from

the association. If not decided otherwise at the annual assembly,

it should be the task of the board of directors to instruct further

how this obligation should be met. A member is further obligated

to comply with the associations articles of association and decisions,

and any rules and regulations described in the associations manual

for members.

6. Capital

Member should contribute at least SEK X and max SEK X. The amount

should be paid cash.

7. Exclusion

A member that break the regulations set in these articles, or a member

that is clearly damaging the association or working against the associations

interests and/or purpose, can be excluded from the association by the

board of directors. The excluded member can bring up the question of

exclusion at the annual assembly, by reporting this to the board of directors

within 1 month from the the notice of exclusion being sent to the member. 

8. Resignation

Except for cases described in the law for Economic Associations, a resignation

by a member should take effect at the end of the current fiscal year, counting

one month after the notice of resignation have been supplied by the member,

or the member having been excluded, or any other circumstance leading

to the member resigning from the association.

9. Board of directors

The board should consist of minimum 3 and maximum 5 directors, with maximum

5 deputy directors. Directors and deputy directors are elected at the annual

assembly for the time to the next assembly the next fiscal year.

10. Signatory Power

The board of directors or anyone appointed by the board have signatory powers.

11. Accountants

At the annual assembly 1 or 2 accountants should be elected for the time until

the next assembly, the next fiscal year.

12. Fiscal Year

The Associations fiscal year is 0101 to 12-31

13. Annual Report

The board of directors shall within one month of the annual assembly, submit

the annual report to the accountants.

14. Annual Meeting

Annual assembly should be held before the end of the month June. At the annual

assembly the following issues should be addressed:

1. Election of a chairman for the assembly and the chairmans choice of

a record keeper for the assembly.

2. Adjustment of electoral register

3. Choice of member to check and approve the minutes

4. Establish that the assembly has been called according to the articles

5. The Board of directors´s annual report and the accountants audit

6. Establishment of balance sheet and profit/loss statements

7. Establishment of limited liability for the board of directors

8. Establishment of compensation for the board of directors and accountants.

9. Budget

10. Election of directors and possible deputy directors

11. Election of accountants and possible deputy accountants

12. Any other issues that can lawfully be addressed at the annual assembly

15. Summons and other messages

Summons for the annual assembly should be sent in writing by mail. Summons should

be sent earliest 4 weeks before the annual assembly, and at the latest 2 weeks before

any regualr assembly, and at the latest one week before an extra assembly. Other

messages and notices should also be sent by mail. The board of directors should

inform the accountants of such notices being sent out, without delay.

16. Profitsharing

The free own capital according to the balance sheet, after set aside in the reservefund,

should according to the assembly be recorded in the new accounts and/or be

put in reserve.

17. Disbandment

If the association is to be disbanded the assets should be distributed according to

members capital share.