Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation｜第 3 條｜銀行｜Regulation｜In Force
金融監督管理委員會｜v1.0
Last Amended: 2026-04-13
The outsourcing of business items stated in its business license or operations related to customer information by a financial institution shall be limited to the following: 1. Data processing: Including the data entry, processing, and output of information system, the development, monitoring, control, and maintenance of information system, and logistical support for data processing in connection with the financial institution's business. 2. Safekeeping of documents such as forms, statements and certificates. 3. Drawing negotiable instruments (e.g., checks and drafts) for customers. 4. Back-office support for trade financing activities, including the issuance, examination, and negotiation of letters of credit, as well as import/export documentary collections, provided the service provider is a company within the same group. 5. Collection of consumer loans and credit card payment, provided the service provider has been approved by the competent authority. 6. Preparation of credit analysis reports on credit customers. 7. Marketing of credit card issuance, input of customer information, printing of relevant forms and statements, envelope stuffing, sorting and mailing, computerized and manual card activation, reporting of lost cards, cash advances and emergency services. 8. Electronic customer services (including automated voice systems, telemarketing, management of and response to customer e-mail, assistance to inquiries of electronic banking and electronic commerce customers, and phone banking customer services). 9. Marketing, management, customer service and consulting for auto loans, excluding approval or rejection of loan applications. 10. Marketing of consumer loans, excluding the granting or rejection of loan application. 11. Marketing of home loans, excluding the granting or rejection of loan application. 12. Collection of debts. 13. Hiring real estate closing agent to handle relevant legal matters, and entrusting other institutions to dispose collateral from the assumption of debts. 14. Repossessing and auctioning automobiles with overdue payment on a car loan (excluding the determination of the floor price for such auctions). 15. Appraisal of real estate. 16. Internal audit operations (provided the audits are not performed by the accountant who certifies the financial institution's financial statements). 17. Valuation, classification, bundling and sale of non-performing loans; provided such outsourcing agreement stipulates that the service providers and their employees shall not engage in any work or provide any consulting or advisory services which give rise to a conflict of interests with the outsourced services during the term of such outsourcing agreements or for a reasonable period of time after termination/expiry thereof. 18. Transporting securities, checks, forms and statements, and cash, and replenishing ATMs. 19. Customs clearance, deposit, transportation and delivery of precious metals such as gold bars, silver bars and platinum bars. 20. Other operations approved by the competent authority for outsourcing. The outsourced operations specified in subparagraph 7 hereof on the marketing of credit card issuance and in subparagraphs 9 to 12 of the preceding paragraph shall be prohibited from subcontracting. With respect to outsourcing in subparagraphs 9 to 11 on the marketing of loan business, the financial institution shall handle the guarantee and signature verification operation by itself. A financial institution shall report its outsourced operations, content and scope accurately in a manner prescribed by the competent authority.