Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics

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Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
3. The draft amendments to some provisions of "Measures for Adjustment and Verification of Deposits and Other Liability Reserves of Financial
Institutions" are attached. This case is also published on the website of the Bank’s laws and regulations inquiry system (website: https://
www.law.cbc.gov.tw). 4. If you have any comments or suggestions for amendments to the contents of this draft amendment, please post
it in the bulletin after this announcement.
Announcement:
(4) Fax: [phone]
1. Amendment authority: Central Bank.
(5) E-mail: [e-mail]
Subject: Announcement to amend part of the provisions of "Measures for Adjustment and Verification of Financial Institutions' Deposits and Other Liability Reserves".
(2) Address: No. 2, Section 1, Roosevelt Road, Taipei City, 100243
Basis: Paragraph 2 of Article 151 of the Administrative Procedure Law shall apply mutatis mutandis to Paragraph 1 of Article 154.
(3) Tel: [phone]
Within 60 days from the date of the date, express opinions or make inquiries to the following organizers:
Announcement of the Central Bank of the Republic of China on
June 2, 111 Taiyangye Zi No. 1110020437
(1) Undertaking unit: Central Bank Business Bureau
2. Basis for Amendment: Article 23 Item 1 and 2 of the Central Bank Law and Article 42 Item 2 of the Banking Law
President Yang Jinlong
one.
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General Explanation of the Draft Amendment to Part of the Provisions of the Adjustment and Verification Measures for Deposits and Other
Liability Reserves of Financial Institutions
Eight amendments are planned, the main points of which are as follows:
Amendments announced on the 11th.
3. It is added that the entrusted collection agency will collect interest for those with insufficient reserves, which is an entrusted matter of the Bank.
In conjunction with the "Regulations on the Administration of Electronic Payment Institutions", it was amended and implemented on July 1, 1000.
and handed over to the Bank after receipt by the trustee. (Amendment Article 6)
"Measures for Adjustment and Verification of Deposits and Other Various Liability Reserves of Financial Institutions" is published in 64
2. It is stipulated that basic-level financial institutions accept time deposits and transfer them to the agricultural bank treasury according to the conditions prescribed by the Bank.
Main Articles 9 and 10)
It was enacted on July 21, 2004, and has been amended many times since then, the most recent being in June 104
And those who submit relevant statements are free of reserves. (Amendment Article 3)
6. In line with practical operations, make text corrections as appropriate. (Amendment Articles 14 and 15)
The certain ratio of the deposit reserve shall be announced by the Bank. (Amendment Article 7)
1. In line with the amendment of the "Regulations on the Administration of Electronic Payment Institutions", the term "electronic ticket" is amended to be
5. The online banking business of pure online banking and some traditional banks operates 24 hours a day.
"Prepaid Card". (Amendment Articles 3 and 5)
The terminology of the sub-ticket is revised to stored-value card, and in consideration of the practical operation needs of the reserve fund, it is proposed to have the "financial"
4. The designated financial institution should deposit in the "Inter-bank Business Settlement Guarantee Account" of the Bank's Business Bureau or entrusted collection
Open all year round and carry out checkout operations every day; in order to meet practical needs, additional financial institutions that perform
checkout operations on a daily basis may apply to the Bank to declare reserves on the basis of daily account balances. (build
The draft amendments to some provisions of the “Measures for Adjustment and Verification of Institutional Deposits and Various Other Liability Reserves”.
The deposit in the special account of the same nature of the management institution can be used as the maximum amount of the actual reserve fund for the current period.
Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
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Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
Financial Institution Deposits and Other Liability Reserve Adjustment and Verification
Measures
illustrate
current provision
Amendment
Article 3 Financial Institutions Should Make Deposits Article 3 Financial Institutions Should Deposit 1. The scope of deposits for reserves managed
by electronic payment institutions is as follows: Including cheques 1, cheque deposits (including cheques and the provisions of Subparagraph
9, Item 2, deposits, deposits with transfer cheques, and postal transfers with transfer cheques
that amend the term "electronic ticket"
as mentioned in Subparagraph 2 of Item 1) Postal transfer of funds, insurance, and insurance as "stored-value cards". Pay checks, traveler's
checks). Pay checks, traveler's checks). 2. Demand deposits (including demand 2, demand
deposits (including demand 2, in order to
strengthen the standardization effect, it is specified in paragraph 4 of the second item of deposit, unused transfer deposit, and unused
transfer payment), and grass-roots financial institutions accept fixed-term Postal
transfer funds for depositing bills, postal
transfer funds for bills, handling cash
stored-value card business For cash stored-value card business transactions, the balance of cash received in advance shall be
transferred to the bank in accordance with the conditions stipulated by the Bank. And
submit the corresponding or reserve
amount, store in reserve or reserve amount, and store in the customs statement, hands-free reserve. Value card or electronic payment
account ticket or electronic payment "the processing party" mentioned in Item 3.3
"stored value funds in the account)." refers to basic financial institutions, savings deposits (including demand deposits, savings deposits
(including savings deposits transferred from demand institutions to agricultural bank
deposits), and banker demand savings
deposits. , The operation of depositing and depositing current reserve funds of employees and related matters to be followed in savings
deposits, postal deposit book savings deposits, and postal deposit books should be
considered as savings funds; lump-sum
deposit and lump-sum savings deposits;
lump-sum deposit and lump-sum savings texts are revised to reflect the following: Clarified capital. Deposits, lump sum savings deposits,
lump sum savings deposits, lump sum lump sum savings deposits, lump sum lump
sum savings deposits, principal and interest savings deposits, principal and interest savings deposits, clerk regular savings deposits,
clerk time savings deposits, postal time savings deposits, postal time savings
deposits of postal time savings deposits,
time savings deposits, etc.). 4. Time deposits (including time deposits 4. Time deposits (including time deposits, negotiable time
deposits, negotiable time deposit certificates, certificates of postal time deposits,
time deposits of postal time deposits,
etc.). Time deposits, etc.). The following deposits of financial institutions The following deposits of financial institutions are exempt from
deposit reserve: 1. Interbank deposits. But it does not include 1. Interbank deposits.
However, it does not include time deposits
placed between financial institutions that are placed between financial institutions. time deposits. 2. Public treasury funds. 2. Public
treasury funds. 3. Pensions for Catholics, National III, Pensions for Catholics,
National Army Retirement Payments and
National Army Retirement Payments and National Army Retirements
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Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
Article 5, Article 3, Paragraph 1, Article 5, Article 3, Paragraph 1, Regulation 1 and Paragraph 1, may be amended in writing, and the various deposits stipulated in the
preceding article and the various deposits stipulated in the preceding article and the preceding article shall comply with the legal system. The other various
liabilities that should be set aside should be set aside. 2. The ratio of the electronic payment institution's
custody reserve (the following ratio of the
simple deposit reserve (the following abbreviated regulations) shall be referred to as the statutory reserve ratio) in Article 3.7. , except the second called statutory
reserve ratio), in addition to the provisions of this Article and the second item of subparagraph 9, the
term "electronic ticket items shall be announced by
the Bank, except for the provisions of the second item of the electronic ticket" mentioned in the third item, shall be certified by the Bank. Amendment to "Stored
Value Announcement. It. Cards in Subparagraph 8, Paragraph 1, Paragraph 1 of the preceding Article".
The statutory reserve ratio of the principal
received by the bank for the construction of structured commodities is the statutory reserve ratio for the receipt of the principal. If it is in New Taiwan Dollars, please
refer to the Bank’s announcement for New Taiwan Dollars, and refer to the Bank’s announcement The fixed
deposit reserve ratio of ; the foreign fixed
deposit reserve ratio; for foreign currency, the
foreign currency announced by the Bank shall be compared with the foreign currency reserve ratio announced by the Bank. foreign exchange deposit reserve ratio.
Article 3, Paragraph 2, Paragraph 2, Article 3, Paragraph 1, Subparagraph 2. Stored-value money stored in
a stored-value card or electronic money stored
in an electronic ticket or electronic payment account, and the stored-value money in its sub-payment
account,
Preferential deposits from robe savings
clubs, etc. 4. The time deposits received
by the basic-level financial institutions are
transferred to the agricultural bank
treasury according to the conditions
prescribed by the Central Bank
(hereinafter referred to as the Bank),
and the relevant statements are
submitted. 5. The insured financial institution
accepts deposits made by the Central
Deposit Insurance Corporation in
accordance with Articles 28 and 29 of
the Deposit Insurance Regulations. 6.
Other deposits approved by the Bank.
The time deposits exempted from the reserve
fund in Subparagraph 4 of the preceding
paragraph shall be included in the deposit
reserve fund in Paragraph 1 by the agricultural
bank treasury that has received the transfer; The
matters to be followed shall be determined by the
Bank separately.
Preferential deposits from robe savings
clubs, etc. 4. The time deposits received
by basic-level financial institutions are transferred
to the agricultural bank treasury
according to the conditions prescribed
by the Central Bank (hereinafter referred
to as the Bank). 5. The insured financial
institution accepts deposits made by the Central
Deposit Insurance Corporation in
accordance with Articles 28 and 29 of
the Deposit Insurance Regulations. 6.
Other deposits approved by the Bank.
The time deposits exempted from the
reserve fund in Subparagraph 4 of the preceding
paragraph shall be included in the
deposit reserve fund in Subparagraph 1
by the agricultural bank receiving the re-deposit;
the treatment method shall be specified separately.
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Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
Article 6 The Bank entrusts the Bank of Taiwan Article 6 The Bank entrusts the Bank of Taiwan 1, Item 1 and Item 2 to add a bank limited company to handle the unfinished transaction (hereinafter
referred to as the trustee depository institution for the deposit of the reserve fund in Headquarters established in Taipei City and New Taipei City) handle the entrusted matters of setting up a
headquarter or branch in Taipei City, where there are insufficient new deposits in Taipei City, and the establishment of a
headquarter or branch in Taipei City; The institution's
regional commercial bank entrusted object shall be given the full name, and the deposit, adjustment, verification, and withdrawal of reserve funds shall be clearer; the abbreviation shall be sufficient
to collect interest and related matters and related matters. Integrate into the third item, and cooperate with the item. The Bank
entrusts the cooperative treasury to make corrections
at its discretion. The Bank entrusts the cooperative treasury bank (hereinafter also referred to as the Trustee Collection II, the addition of Paragraph 4, Paragraph 1 and the management institution
of the commercial bank joint stock limited company) to handle the collection of interest in the credit cooperation Paragraph 2,
which shall be handled by the credit cooperatives,
farmers' associations The credit department of the cooperatives, farmers' associations, and fishermen's associations trust the trustee collection agency to collect and transfer the reserve funds to
the bank for use by the credit department and the fishermen's association credit department. Collection, adjustment, checking,
reconciliation, checking and related matters of gold. If
the deposit is insufficient to collect interest, its trustee and collection agency shall report the relevant matters. The reserve fund under its custody shall be deposited in the first two items entrusted
by the Bank and transferred to the bank for business of the Bank (hereinafter referred to as the special account opened by the
bureau. The custodian institution of the special account)
shall collect the deposit. The management of deposits and withdrawals and interest calculation shall be handled with reference to the reserve fund account B opened by the Bank's business bureau
and transferred to the bank's business bureau by the financial institution's reserve fund account. special account. The deposit
and withdrawal and interest calculation of the special
account shall be handled with reference to the reserve fund account B opened by the financial institution in the Bank's business bureau. The interest collected in the first and second items shall be
collected by the trustee and paid to the Bank.
The statutory reserve ratio, if it is in New Taiwan Dollars,
shall be compared with the demand deposit reserve ratio
announced by the Bank; if it is in a foreign currency, the
foreign exchange deposit reserve ratio announced by
the Bank shall be adopted.
The statutory reserve ratio, if it is in New Taiwan dollar,
shall be compared with the demand deposit reserve ratio
announced by the Bank; if it is in foreign currency, it shall
be compared with the foreign exchange deposit reserve
ratio announced by the Bank.
Article 7 The actual reserves that the financial institution should submit to Article 7 should be submitted to the "Interbank Business Settlement Guarantee Reserve Fund Item" in the Bank's Business
Bureau. The actual reserves stipulated in Paragraph 3 shall be
limited to the following assets, except for the “special account” or the trustee institution specified in Paragraph 3: In addition to the provisions, the following assets shall be limited: Deposits in
special pledge accounts may be offset against actual reserves. 1. Cash on hand. 1. Cash on hand. The maximum amount of
reserves is a certain ratio of the reserves that should be deposited in the current period. Deposits in reserve accounts opened by collection agencies. Deposits in reserve accounts. Item 3.
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Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
Of.
3. Appropriate to the bank approved by the bank to
deposit in the inter-bank business settlement
guarantee account of the business bureau
of the bank or the special account of the
same nature of the trustee institution. The
reserve account referred to in Subparagraph
2 of the preceding paragraph refers to the
following two accounts: 1. Reserve account A: It is a
deposit that can be deposited and withdrawn at any
time without interest by means of a check issued by
the financial institution where the account is
opened or by using the bank's inter-bank fund
transfer clearing system. . 2. Reserve Fund
Account B: For the deposit that the account-
opening financial institution cannot deposit or
withdraw unless the pledge rights established in
accordance with the Bank's regulations or in
accordance with Article 15 are exercised,
interest may be paid at discretion. The actual
reserves made by financial institutions for items
that are subject to reserves in foreign currencies
shall be limited to the foreign exchange
deposits deposited in the foreign exchange bureau of
the Bank.
Article 9 Financial institutions should withdraw and deposit Article 9 Financial institutions should withdraw and deposit pure online banking
and some traditional silver reserves. from the end of the month. But from the first day of the month to the end of the month. However, it
operates 14 hours a day, all year round, and checkout operations are carried out every
day; in order to meet the practical needs of
newly opened financial institutions when they open for business, financial institutions are counted from the opening date for each date.
The period starts from the opening date. Reserves to be deposited in each period for the
settlement of accounts, may apply to the
Bank for the daily average amount reported
on the daily account balance (hereinafter referred to as the daily average amount required (hereinafter referred to as the required amount
of reserves)) It refers to the amount of quasi-reserves that should be withdrawn) refers to
the quasi-reserves that should be withdrawn,
and the fourth item is added. The daily balance of various deposits of reserves and various deposits of other reserves and various other
liabilities shall be multiplied by the daily balance of various liabilities multiplied by the
statutory reserve rate. Divide the sum of the products by the number of days in the current period.
3. Appropriately deposited in the inter-bank
business settlement guarantee account
of the Bank's business bureau or the
special account of the same nature of
the trustee and collection agency, as
approved by the Bank; the maximum
amount that can be offset is a certain
amount of the reserve to be deposited
in the current period ratio, which is announced by the Bank
The reserve account referred to in the second
subparagraph of the preceding paragraph refers to the
following two accounts: 1. Reserve account A: It is a
deposit that can be deposited and withdrawn at any
time without interest by means of a check
issued by the financial institution where the
account is opened or by using the bank's
interbank fund transfer clearing system. .
2. Reserve Fund Account B: For the deposit
that the account-opening financial institution cannot
deposit or withdraw unless the pledge rights
established in accordance with the Bank's
regulations or in accordance with Article 15
are exercised, interest may be paid at
discretion. The actual reserves made by
financial institutions for items that are
subject to reserves in foreign currencies shall be
limited to the foreign exchange deposits deposited in
the foreign exchange bureau of the Bank.
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Various deposits and various other
liabilities on non-business days are stated in their
balances on the preceding business day.
Article 10 The actual quasi-pure online banking of financial institutions and the withdrawal period of some traditional silver reserves shall be the monthly withdrawal period of the online
banking business, and the withdrawal period shall be the monthly online banking business, both from the 2nd and 4th day. From the fourth day of the third day of the following
month to the third day of the next month, it will operate for 14 hours, all year round, and checkout operations are
carried out every day; until it is due. However, the opening
of new financial institutions is limited. However, for newly opened financial institutions to open practical needs, the current period of financial institutions such as daily business is
counted from the opening date. The business period shall be counted from the opening date. The financial institution
actually prepares the actual preparation of the financial
institution for the settlement operation, and may apply to
the Bank to declare the daily average amount of the daily account balance as the actual reserve amount divided by the sum of the daily balance of the actual reserve fund.
The sum of the daily balance of the reserves is divided by the reserves, and the fourth item is added. The number
of days in the current period. However, the number of days
in the current period for newly opened financial services. However, the opening period of a newly opened financial institution shall be calculated as the average of the number
of days in the calculation period during the opening period of the institution. Average of days. Actual reserves for
non-business days Actual reserves for non-business days shall be listed with the balance of the previous business day based on the balance of the previous business
day. Amount count. Financial institutions that perform daily account settlement operations may apply to
the Bank for the calculation of daily account balances,
and are not subject to the provisions of the preceding
paragraph.
just.
Various deposits and various other
liabilities on non-business days are stated in their
balances on the preceding business day. Financial
institutions that perform daily account
settlement operations may apply to the Bank for the
calculation of daily account balances, and are not
subject to the provisions of the preceding paragraph.
Article 14 Each financial institution Article 14 Each financial institution referred to in Item 1 of the "Actual Reserve Fund Period Facility Rate during the Actual Reserve Deposit Period
of the Bank during the Unsecured Short Deposit Period" shall be the average of the Bank's announcement date The amount does not reach the daily average amount stipulated
in Article 9. If the daily average amount does not reach the "short-term financing interest rate of the Bank" stipulated
in Article 9, in order to use the same language, the
amount to be set aside should be revised according to the text. If the amount to be set aside is uncertain, the If the shortfall does not exceed the amount that should be withdrawn
in the previous instalment, the full amount does not exceed 1% of the reserve amount to be withdrawn in the
previous instalment, and a 1% of the reserve amount may
be applied for. The excess reserves are set off; the shortfall
exceeds 100 reserves; the shortfall exceeds a part of 100%, or the part that is not fully covered or the part that is not fully set off shall be regarded as the part of the Bank's
short-term accommodation interest, and the part of the Bank's non-refundable reserves. Guaranteed short-term
rate one. Five times the calculation of the interest rate for recovering the interest rate 1. Five times the amount of interest charged, if the circumstances are serious, the interest
will be charged by the bank, and if the circumstances are serious, the penalty shall be stipulated in Article 132 of
the Banking Act in accordance with the provisions of Article 132. the prescribed punishment. Financial institutions fill in information If the financial institutions fill in any
information that is false or untrue, the Bank may
Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
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Dispatch personnel to conduct special inspections and take appropriate
measures depending on the circumstances of violations.
Dispatch personnel to conduct special inspections and take appropriate
measures depending on the circumstances of violations.
Article 15 Occurrence of Financial Institution Article 15 Occurrence of Financial Institution For the purpose of clarifying, in the latter paragraph of the original article, there are abnormal withdrawals by depositors or cooperation with depositors in abnormal
withdrawals or cooperation with relevant trustee institutions to accept and prepare the bank's monetary policy and other funds When the bank's monetary policy and other funds need to be pledged for financing, when applying to the bank for a further
request, it can be transferred to one of the balances in item 2 according to the provisions of the bank's reserve fund financing. Or all of them are pledged, within the
balance, and take them as pledges, to the norm, and to make text corrections as
appropriate. Apply to its reserve fund collection agency for financing. If necessary, please accommodate the trustee. The financial institution that accepts the pledge of reserves may, within the scope of the necessary amount, transfer the deposit to
the Bank within the scope of the depository institution that accepts the pledge of Jintong, and may transfer the deposit within the scope of the depository of the
depository of the amount of the pledged loan. The bank remits it to the bank's
special account equivalent to the pledged loan amount and is pledged to transfer the special portion of the deposit into custody, and apply to the bank for a re-account equivalent to the pledged loan amount. It is classified into quality and apply to the
Bank for refinancing.
Gazette of the Executive Yuan Vol. 028 No. 102 20220602 Finance and Economics
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