OBU 指：境外金融中心、Offshore Banking Unit、國際業(yè)務(wù)分行

　　一、銀行商業(yè)同業(yè)公會全國聯(lián)合會(以下簡稱本會)為便于經(jīng)主管機(jī)關(guān)特許設(shè)立國際金融業(yè)務(wù)分行﹝以下簡稱OBU﹞之會員銀行(以下簡稱銀行)對OBU外幣支票存款戶之處理，特訂定本規(guī)范。

　　Article 1. The Bankers Association of the Republic of China (the Association) enacts the Rules Governing OBU Foreign Currency Checking Account (the Rules) for the Association member banks (the Bank) authorized to establish Offshore Banking Unit (OBU).

　　二、銀行得依業(yè)務(wù)需要，由其OBU辦理人民幣以外任何外幣支票存款業(yè)務(wù)。

　　Article 2. The bank’s Offshore Banking Units may engage in activities of receiving funds denominated in foreign currency except RMB deposited in checking account as the Bank deems necessary in light of the Bank’s banking activities.

　　三、境外之法人、政府機(jī)構(gòu)或境內(nèi)外金融機(jī)構(gòu)均得向銀行申請開戶。

　　所稱境外之法人，指依外國法律組織登記之法人，但經(jīng)政府認(rèn)許在境內(nèi)營業(yè)之分支機(jī)構(gòu)不在其內(nèi)。

　　Article 3. Foreign legal entity, governmental agency, or domestic or foreign financial institution may apply for an account with the Bank.

　　Foreign legal entity means a legal entity organized under foreign law, while a branch of the said foreign legal entity authorized to conduct business within the territory of the Republic of China (Taiwan) is precluded.

　　四、銀行對于申請開戶之公司或其它法人，應(yīng)切實(shí)審核下列證件并留置復(fù)印件：

　　Article 4. The Bank shall examine the authenticity and retain copies of the following documents submitted by corporation or other legal entities when either of which applies for an account with the Bank.

　　(一) 公司或其它法人章程。 (a) The charter of corporation or other legal entities;

　　(二) 公司執(zhí)照或其它法人登記證明文件。

　　(b) Certificate of incorporation or registration documentations of other legal entities;

　　(三) 負(fù)責(zé)人資格證明文件。

　　(c) Qualification documentation of the representative of the corporation or other legal entities;

　　(四) 負(fù)責(zé)人身分證及護(hù)照(非國人為護(hù)照)。

　　(d) Identification document or passport (required for non-ROC citizens) of the representative;

　　(五) 股東或董事名冊。(e) List of Shareholders or directors; and

　　(六)其它認(rèn)證需要之文件(如在香港注冊者需另提供商業(yè)登記證Business Registration Certificate﹞且其有效期限不能逾期等)。

　　(f) Other documents (e.x. Business Registration Certificate are required for those corporations registered in Hong Kong and the effective period of the forgoing Certificate is not expired) required for authentication purpose.

　　被拒絕往來未經(jīng)解除者，不得申請開戶。

　　Applicant officially appeared on the Refusal of Deal List shall not be allowed to apply for an account with the Bank.

　　前項(xiàng)之審核，受理開戶之銀行應(yīng)向票據(jù)交換所查詢，或由申請人依「查詢票據(jù)信用數(shù)據(jù)作業(yè)須知」申請票信數(shù)據(jù)以供審核。

　　In connection with the examination process in accordance with the foregoing subparagraph of this article, the Bank receiving the application for an account by an applicant shall obtain relative information from the Taiwan Clearing House, or the applicant shall, upon demand by the Bank for purpose of its examination, provide the Bank with a credit report of checking transaction pursuant to the Guidelines for Processing the Inquiry for Checking Transaction Credit Information.

　　五、政府機(jī)構(gòu)或境內(nèi)外金融機(jī)構(gòu)申請開戶，除提出銀行規(guī)定之證件及適用銀行之開戶程序外，并應(yīng)憑正式公文辦理。

　　Article 5. Governmental agency or offshore financial institution applying for an account with the Bank shall submit all documentations the Bank requires, comply with all applicable procedures for applying for an account with the Bank, and notify the Bank with formal letter.

　　六、申請開戶，應(yīng)由證照或文件記載之負(fù)責(zé)人親自辦理或由受理開戶銀行派員查實(shí)，法人、政府機(jī)構(gòu)或境內(nèi)外金融機(jī)構(gòu)之負(fù)責(zé)人，未留有開立OBU外幣支票存款戶之發(fā)票人印鑒者，應(yīng)由負(fù)責(zé)人代表法人填具授權(quán)書，授權(quán)人對被授權(quán)人之行為應(yīng)負(fù)其法律上責(zé)任。

　　Article 6. In connection with applying for an account with the Bank, the representative as shown on the certificate or other documentations shall act on behalf of the corporation or other legal entities; or alternatively, the Bank may conduct a field investigation to ascertain the alleged legal status of such representative in lieu of requiring the representative to act on behalf of the corporation or other legal entities.

　　In the event the representative of corporation, other legal entities, governmental agency, or domestic or foreign financial institution do not leave a sample of the drawer’s seal with the Bank for an OBU foreign currency checking account, the representative shall file out a power of attorney to authority an agent to act on behalf of the representative, who shall assume legal obligations resulting form the act of the agent.

　　七、OBU外幣支票存款賬戶不得收受、支付外幣現(xiàn)金或兌換為新臺幣提取，開立OBU外幣支票，應(yīng)劃并行線，記載受款人名稱，并禁止背書轉(zhuǎn)讓及委任取款，銀行發(fā)給存戶使用之支票，應(yīng)劃并行線，其格式需載有「支票」(Check)字樣。

　　Article 7. An OBU foreign currency checking account shall not receive or pay cash denominated in foreign currency, or be withdrawn in the form of New Taiwan Dollar. Upon issuing a check, there shall be parallel line marked on the check (declaring deposit only), name of the payee, and prohibition on negotiation by endorsement and on drawer cash out by an agent. For check book issued by the Bank in their printed form for the account holder, there shall be parallel line marked on the check (declaring deposit only) and appear the word checkon the check.

　　開立OBU外幣支票違反上項(xiàng)規(guī)定者，付款銀行應(yīng)予退票。

　　The Bank shall withdraw any check denominated in foreign currency at OBU for failing to satisfy the requirements set forth in the foregoing paragraphs of this article.

　　八、OBU依國際金融業(yè)務(wù)條例第四條之一之規(guī)定，委托經(jīng)中央銀行指定辦理外匯業(yè)務(wù)之同一銀行﹝以下簡稱為指定銀行﹞代為處理付款業(yè)務(wù)者，應(yīng)由票據(jù)關(guān)系人協(xié)議，在票據(jù)上載明指定銀行名稱及營業(yè)處所，并約明其付款之提示，應(yīng)徑向指定銀行為之，不得向OBU為提示。

　　Article 8. OBU shall, upon agreement of the parties affected by a check transaction, specify the name and the place of business of a bank (the designated bank), which is the same as the one approved by the Central Bank of China (Taiwan) for purpose of conducting foreign exchange banking activities for the OBU pursuant to Article 4 of the Offshore Banking Act, and enter into agreement with those affected by the check transaction that presentment for payment shall be made with the designated bank as opposed to the OBU.

　　九、主管機(jī)關(guān)開放OBU外幣支票存款戶初期，票據(jù)之清算透過各銀行同業(yè)存款賬戶采托收方式辦理。付款銀行于收到托收銀行寄來之外幣支票，應(yīng)于收到后三個營業(yè)日內(nèi)，將收妥款項(xiàng)，依照托收銀行之指示支付托收銀行，或敘明退票理由，將外幣支票退還托收銀行。

　　Article 9. Within the preliminary period after the regulatory agency authorized OBU foreign currency checking account, check clearing shall be accomplished through settlement among peer banking institution accounts. Payer bank shall, upon receiving check denominated in foreign currency, pay the collecting bank the amount of presentment within three business days according to the direction of the collecting bank, or return the check denominated in foreign currency to the collecting bank with reason for dishonoring the check.

　　十、銀行對于OBU外幣支票存款戶得于OBU外幣支票存款往來約定書中約定客戶同意將其開戶日期、法人之資本額與營業(yè)額、退票及清償注記、票據(jù)交換所通報為拒絕往來戶及其它有關(guān)票據(jù)信用數(shù)據(jù)(含其關(guān)系戶)，提供予他人查詢。

　　Article 10. In the OBU Foreign Currency Checking Account Agreement, in terms of the agreement of the account holder, the Bank may, upon inquiry of third party, disclose information such as the opening date of an account, the capitalization and revenue of a legal entity, records of dishonor and reimbursement, notification of refusal of deal by the Taiwan Clearing House, and other information (including those of affiliated accounts) relating to check credit reports.

　　十一、各銀行對開立OBU外幣支票存款戶之開戶程序及領(lǐng)用空白支票情形，應(yīng)指定部門或?qū)Ｈ俗鞑欢ㄆ趦?nèi)部檢查，并列入稽核部門一般業(yè)務(wù)查核必查項(xiàng)目。

　　Article 11. With respect to the activities of account opening procedure and blank check issuance of OBU Foreign Currency Checking Account, the Bank shall designate a department or personnel responsible for implementing internal investigations randomly and include such activities in the mandatory items of routine investigation conducted by the auditing department.

　　十二、銀行得應(yīng)存款戶之要求，于空白支票上加印存款戶之名稱、電話號碼、住址，或其指定之樣式。

　　Article 12. Upon request by a depositor, the Bank may print the name, telephone number or address on blank checks, or the specified format designed by the depositor.

　　十三、各銀行于OBU外幣支票存款往來約定書中應(yīng)列入靜止戶具體處理?xiàng)l款。

　　Article 13. The OBU Foreign Currency Checking Account Agreement shall include a provision regulating the disposition of dormant account.

　　十四、本要點(diǎn)未規(guī)定事項(xiàng)，悉依有關(guān)法令辦理。

　　Article 14. The Rules do not preclude other rules or regulations which the Rules do not prescribe.

　　十五、本要點(diǎn)經(jīng)本會理事會通過后實(shí)施，修正時亦同。

　　Article 15. The Rules are effective upon resolution of the Board of the Association implementing or amending the Rules.