Regulations on Financial Institutions Cooperatively Promoting Products or Providing Related Services of Other Industries

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Regulations on Financial Institutions Cooperatively Promoting Products or Providing Related Services of Other Industries

2026-08-07

Financial Supervisory Commission Order Date of Issue: August 7, 2026 (Republic of China Year 115) Document Number: Jin Guan Yin Piao Zi No. 11502719056

1. Institutions such as banks (including credit cooperatives), securities dealers (including securities trading assistants), futures dealers (including futures trading assistants), insurance companies, and insurance brokerage companies, if they meet the following conditions, may submit proof of compliance, resolutions of the board of directors (or a letter of consent from authorized personnel of the head office for foreign branches in Taiwan), and a cooperative promotion contract to apply to the competent authority of this industry for cooperation in promoting products of other industries or providing related services. However, insurance brokerage companies may only apply for cooperation in promoting insurance trust and retirement trust products: (1) The institution's finance, business operations, and internal controls are sound. (2) Personnel of this industry promoting products or providing related services possess the professional qualification conditions or certificates stipulated by the relevant laws governing the other industry, and complete the registration or filing procedures before commencement. However, for those solely promoting a single trust product of insurance trust or retirement trust as specified in Item 5, Paragraph 1, Article 3, the required pre-job training hours and in-service training hours every three years for insurance trust or retirement trust shall all reach more than three hours. The training institutions and hours shall be determined by the Trust Industry Association of the Republic of China, and the provisions of Article 16, Paragraphs 2 and 3 of the Criteria for Qualifications of Heads of Trust Institutions and Trust-Specialized Knowledge or Experience of Operating and Management Personnel shall not apply.

2. The term "sound finance, business operations, and internal controls of this industry institution" as referred to in the preceding point means meeting the following regulations: (1) Banks (including credit cooperatives):

3. The ratio of own capital to risk-weighted assets at the end of the most recent half-year complies with Article 5 of the Measures for Adequacy of Bank Capital and Capital Level Management; the ratio of own capital to risk-weighted assets of credit cooperatives at the end of the most recent half-year complies with Article 3, Paragraph 1 of the Credit Cooperatives Adequacy of Capital and Capital Level Management Measures.

4. Has not been subject to penalties by the competent authority under Article 61-1, Paragraph 1, Items 1 to 9 of the Bank Act, Article 62, Paragraph 1 of the Bank Act, or Article 27, Paragraph 1 of the Credit Cooperatives Act within the most recent half-year; or the illegal acts have been specifically improved and recognized by the competent authority.

5. Internal control execution has had no major deficiencies or abnormal circumstances in the most recent year; or such circumstances have been specifically improved and recognized by the competent authority. (2) Securities dealers (including securities trading assistants):

6. The capital adequacy ratio of the securities dealer at the time of application is not less than 150 percent.

7. Has not been subject to penalties by the competent authority under Items 2 to 5 of Article 66 of the Securities and Exchange Act within the most recent half-year; or the illegal acts have been specifically improved and recognized by the competent authority.

8. Internal control of the securities dealer has had no major deficiencies or abnormal circumstances in the most recent year; or such circumstances have been specifically improved and recognized by the competent authority.

9. Securities trading assistants shall comply with the provisions for futures dealers in the preceding paragraph. (3) Futures dealers (including futures trading assistants):

10. The ratio of the adjusted net capital of the futures dealer to the total customer margin required for the customer's open positions (ANC ratio) within the most recent month is not less than 20 percent.

11. Has not been subject to penalties by the competent authority under Items 2 to 5 of Article 100 of the Futures Trading Act within the most recent half-year; or the illegal acts have been specifically improved and recognized by the competent authority.

12. Internal control of the futures dealer has had no major deficiencies or abnormal circumstances in the most recent year; or such circumstances have been specifically improved and recognized by the competent authority.

13. Futures trading assistants shall comply with the provisions for securities dealers in the preceding paragraph. (4) Insurance companies:

14. The ratio of own capital to risk capital in the most recent year complies with the statutory standard for capital adequacy stipulated in Article 143-4, Paragraph 1, Item 1 of the Insurance Act.

15. Has not been subject to penalties by the competent authority under Items of Article 149, Paragraph 1 or Paragraph 3 of the Insurance Act in the most recent half-year; or the illegal acts have been specifically improved and recognized by the competent authority.

16. Internal control has had no major deficiencies or abnormal circumstances in the most recent year; or such circumstances have been specifically improved and recognized by the competent authority. (5) Insurance brokerage companies:

17. Has not been subject to major fines and penalties by the competent authority in the most recent year; or the illegal acts have been specifically improved and recognized by the competent authority.

18. Has established and executed internal control, audit systems, and solicitation handling systems and procedures in accordance with Article 2 of the Implementation Measures for Internal Control and Audit Systems and Solicitation Handling Systems of Insurance Agent Companies and Insurance Brokerage Companies.

19. The items for cooperatively promoting products of other industries or providing related services as referred to in Point 1 are as follows: (1) Insurance product items:

20. Promotion of insurance products approved or filed.

21. Collection of documents for insurance-related business. (2) Securities product items:

22. Promotion, sale, and repurchase of domestic funds.

23. Collection of documents for share agency services (the scope of share agency services is various affairs stipulated in Article 2 of the Guidelines for Share Agency Services of Publicly Issued Stock Companies).

24. Opening of accounts for securities brokerage business or securities trading auxiliary business.

25. Collection of documents for securities brokerage-related business. (3) Bank product items:

26. Promotion and forwarding of credit card business.

27. Collection of documents for business of the bank's own institution. (4) Futures product items:

28. Opening of accounts for futures brokerage business or futures trading auxiliary business.

29. Collection of documents for futures brokerage-related business. (5) Trust product items:

30. Promotion of insurance trust or retirement trust handled by banks and securities dealers engaging in trust business.

31. Collection of documents for insurance trust or retirement trust handled by banks and securities dealers engaging in trust business.

The items in Item 2, Paragraph 1, Items 3 and 4 are limited to being handled by qualified business personnel dispatched by securities dealers or securities trading assistants. The items in Item 4, Paragraph 1 are limited to being handled by qualified business personnel dispatched by futures dealers or futures trading assistants. When insurance brokerage companies conduct promotion and document collection for insurance trust in Item 5, Paragraph 1, the personnel soliciting insurance products and promoting insurance trust shall be the same person. The payment types, operational procedures, and other matters to be followed for insurance trust and retirement trust in Item 5, Paragraph 1 shall be drafted by the Trust Industry Association of the Republic of China and submitted to the competent authority for approval.

4. This industry institutions and other industry institutions cooperatively promoting products or providing related services shall apply for approval from the competent authority for their first cooperation case in accordance with the aforementioned regulations. After approval, no further application for approval is required unless new financial institution types for cooperation or new items for cooperatively promoted products or services are added. If the institution subsequently fails to meet the qualification conditions, the competent authority shall notify the institution in writing that it may no longer increase cooperation in promoting products or providing related services with other industries.

5. When personnel of this industry cooperatively promote products of other industries or provide related services, they shall clearly mark and inform clients of the distinction between the products or services and the business of this industry, as well as whether they are covered by deposit insurance, insurance stabilization funds, or other related protection mechanisms.

6. When this industry institutions disclose, refer, or interactively use client data to cooperatively promote products or provide related services with other industry institutions, they shall first obtain the client's written consent.

7. When this industry institutions cooperatively promote products of other industries or provide related services, their actions directly take effect for the other industry institutions. The fulfillment of relevant contractual liabilities shall be the responsibility of the other industry institutions. However, personnel of this industry promoting products of other industries or providing related services shall be liable for compensation to the other industry institutions for damages arising from negligence in handling entrusted affairs or from acts exceeding their authority.

8. The code of conduct and other rights and obligations of personnel of this industry promoting products of other industries or providing related services shall be handled in accordance with the relevant provisions of the laws governing the other industry.

9. When cooperatively promoting insurance products or providing related services with insurance companies through insurance agents or insurance brokers, this industry institutions shall jointly sign a cooperative promotion contract with the insurance company and the insurance agent or insurance broker, and clearly stipulate their rights and obligations.

10. This order takes effect from the date of issue; the order Jin Guan Yin Fa Zi No. 11402740846 issued by this Commission on December 17, 2025 (Republic of China Year 114) is repealed from the date of issue.

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Last Updated: 2026-08-07

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