信用合作社非社員交易限額標準

These Criteria are adopted pursuant to Paragraph 2, Article 15 of the Credit Cooperatives Act.

1Business transactions between credit cooperatives and non-members include the following:

21. Accepting deposits of all types.

32. Extending loans, overdrafts, discounted bills and notes.

43. Providing domestic guarantee services.

54. Providing domestic remittance services.

65. Providing collection and payment agency services.

76. Buying and selling foreign currency and traveler's checks.

87. Providing custodial and agency services related to the above-listed items.

98. Other businesses approved by the central Competent Authority.

The aggregate balance of credit extended to non-members by a credit cooperative shall not exceed the aggregate amount of deposits from non-members.

1The scope of business, standards, and limits on credit that a credit cooperative may extend to non-members are as follows:

21. Where a credit cooperative's ratio of equity capital to risk-weighted assets is 8 percent or higher at the end of the preceding year, it may extend housing loans to individuals that are secured by buildings located within its authorized business area and the neighboring two counties or cities (or special municipality), but the outstanding balance of such loans may not exceed two (2) times its net worth.

32. Credit secured by certificates of deposit of the lending credit. cooperative, demand (savings) deposits of the lending cooperative, short-term bills, government bonds, bank debentures or secured corporate bonds.

43. Consumer loans of NT$1.5 million or less, provided that the outstanding balance of such loans does not exceed the credit cooperative's net worth. The term "consumer loan" means small loans for home repair, durable consumer goods (including automobiles), tuition payments, and other small personal loans.

54. Where a credit cooperative's ratio of equity capital to risk-weighted assets is 10 percent or higher at the end of the preceding year, it may extend credit to small and medium enterprises and non-profit organizations located within its authorized business area and the neighboring two counties or cities (or special municipality), but the outstanding balance of such credit may not exceed one half its net worth. However, the aforementioned restrictions on business areas may be exempted for credit cooperatives participating in syndicated loans organized by different credit cooperatives.

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The term "net worth" referred to in these Criteria means the net worth after final accounting for the previous fiscal year.

These Criteria shall enter into force from the date of promulgation.