August 2017

未經核准在臺設立據點之金融機構不得於中華民國境內提供金融服務(台灣)

黃郁婷 律師
金融監督管理委員會（下稱「金管會」）於民國105年05月10日作成金管銀外字第10550001770號函令（下稱「本號函令」）重申，未經核准在臺設立據點之金融機構不得於中華民國境內提供金融服務。
本號函令指出，依銀行法第29條規定，除法律另有規定者外，非銀行不得經營收受存款、受託經理信託資金、公眾財產或辦理國內外匯兌業務；故國內銀行倘有協助未於我國設有據點之外國金融機構介紹我國境內客戶未出境即完成海外帳戶開設及相關金融服務者，將有涉及違反前開規定之虞。本號函令並重申依金管會99年8月24日金管銀外字第09950002320號令，外國銀行在臺分行或子銀行亦不得以任何方式，於我國境內招攬我國客戶於其海外總（母）行、聯行或其他未經主管機關核准之外國機構開立海外帳戶或吸收資金。
本號函令強調，為避免銀行之營業單位或人員涉及違法情事，請各銀行應恪遵守法令並落實內部控制及稽核制度，不得辦理或協助辦理未經核准之業務。
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作者

Katty
Katty