外币支票存款户处理规范翻译模板（中英文）

　　OBU 指：境外金融中心、Offshore Banking Unit、国际业务分行

　　一、银行商业同业公会全国联合会(以下简称本会)为便于经主管机关特许设立国际金融业务分行﹝以下简称OBU﹞之会员银行(以下简称银行)对OBU外币支票存款户之处理，特订定本规范。

　　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、银行得依业务需要，由其OBU办理人民币以外任何外币支票存款业务。

　　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、政府机构或境内外金融机构均得向银行申请开户。

　　所称境外之法人，指依外国法律组织登记之法人，但经政府认许在境内营业之分支机构不在其内。

　　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、银行对于申请开户之公司或其它法人，应切实审核下列证件并留置复印件：

　　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) 公司执照或其它法人登记证明文件。

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

　　(三) 负责人资格证明文件。

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

　　(四) 负责人身分证及护照(非国人为护照)。

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

　　(五) 股东或董事名册。(e) List of Shareholders or directors; and

　　(六)其它认证需要之文件(如在香港注册者需另提供商业登记证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.

　　被拒绝往来未经解除者，不得申请开户。

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

　　前项之审核，受理开户之银行应向票据交换所查询，或由申请人依「查询票据信用数据作业须知」申请票信数据以供审核。

　　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、政府机构或境内外金融机构申请开户，除提出银行规定之证件及适用银行之开户程序外，并应凭正式公文办理。

　　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、申请开户，应由证照或文件记载之负责人亲自办理或由受理开户银行派员查实，法人、政府机构或境内外金融机构之负责人，未留有开立OBU外币支票存款户之发票人印鉴者，应由负责人代表法人填具授权书，授权人对被授权人之行为应负其法律上责任。

　　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外币支票存款账户不得收受、支付外币现金或兑换为新台币提取，开立OBU外币支票，应划并行线，记载受款人名称，并禁止背书转让及委任取款，银行发给存户使用之支票，应划并行线，其格式需载有「支票」(Check)字样。

　　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.

　　开立OBU外币支票违反上项规定者，付款银行应予退票。

　　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依国际金融业务条例第四条之一之规定，委托经中央银行指定办理外汇业务之同一银行﹝以下简称为指定银行﹞代为处理付款业务者，应由票据关系人协议，在票据上载明指定银行名称及营业处所，并约明其付款之提示，应径向指定银行为之，不得向OBU为提示。

　　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、主管机关开放OBU外币支票存款户初期，票据之清算透过各银行同业存款账户采托收方式办理。付款银行于收到托收银行寄来之外币支票，应于收到后三个营业日内，将收妥款项，依照托收银行之指示支付托收银行，或叙明退票理由，将外币支票退还托收银行。

　　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、银行对于OBU外币支票存款户得于OBU外币支票存款往来约定书中约定客户同意将其开户日期、法人之资本额与营业额、退票及清偿注记、票据交换所通报为拒绝往来户及其它有关票据信用数据(含其关系户)，提供予他人查询。

　　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、各银行对开立OBU外币支票存款户之开户程序及领用空白支票情形，应指定部门或专人作不定期内部检查，并列入稽核部门一般业务查核必查项目。

　　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、银行得应存款户之要求，于空白支票上加印存款户之名称、电话号码、住址，或其指定之样式。

　　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、各银行于OBU外币支票存款往来约定书中应列入静止户具体处理条款。

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

　　十四、本要点未规定事项，悉依有关法令办理。

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

　　十五、本要点经本会理事会通过后实施，修正时亦同。

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