Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation Article 13
Before outsourcing its debt collection operations, a financial institution shall make sure in advance that the appointed service provider meets the following qualification requirements:1. The service provider shall be one of the following:(1) A company that has registered in accordance with the Company Act or the Business Registration Act and has obtained a company or business registration certificate issued by the competent authority which indicates that "providing money claim management services to financial institutions" falls within its scope of business.(2) An asset management company with all shares directly or indirectly held by a financial holding company or a bank, and to which the parent company has outsourced the conduct of debt collection operations in accordance with Article 2, subparagraph 1 of the Operating Principles for Asset Management Companies invested by Financial Holding Companies (Banks).(3) A lawfully established Law Firms.(4) A lawfully established certified public accountant firm.2. Any loss suffered by a service provider does not exceed one third of its paid-in capital. The preceding provision does not apply if the service provider has incurred a loss exceeding one third of its paid-in capital, but has completed capital increase procedures according to applicable regulations.3. The collection personnel of the service provider have completed a training course or passed an examination on collection given by the Bankers Association or an institution sanctioned by the Bankers Association and received a credential therefore, and is free of the following situations:(1) Has been convicted of a crime of violence under the "Criminal Code, "the "Organized Crime Prevention Act," or the "Controlling Guns, Ammunition and Knives Act" or is wanted for a crime of violence in an ongoing case.(2) Has been adjudicated bankrupt, and has not had rights and privileges reinstated.(3) Has been denied service by a bills clearing house and the sanction has not expired, or has some other poor credit record that is still open.(4) Is legally incompetent or has limited legal capacity or is subject to an order of the commencement of assistance that order has not been revoked yet.(5) Has left his or her job for violation of these Regulations or other laws and regulations and the employer financial institution has reported the matter to the JCIC.4. If the collection personnel of the service provider has not completed the training course or passed the examination on collection given by Bankers Association or an institution sanctioned by Bankers Association and has not received a credential therefore, said personnel shall remedy the situation within two months after taking the post.5. The responsible person of the service provider shall be free of the situations described in subparagraph 1 to subparagraph 11 of Article 3 of the Regulations Governing Qualification Requirements and Concurrent Serving Restrictions and Matters for Compliance by the Responsible Persons of Banks, and shall issue a statement to that effect.6. A service provider shall be equipped with complete computer facilities necessary for the handling of outsourced items, and the telephones of its relevant personnel shall come with a recording system where the recording may be accessed instantly in coordination with the computer system for the purposes of audit or verification in case of a dispute. All phone conversations and field visits of the collection personnel shall be recorded with a copy made and retained for at least six months. The service provider shall not delete or alter its audio recordings.
中文原文 金融機構作業委託他人處理內部作業制度及程序辦法第13條
金融機構辦理應收債權催收作業之委外，應事先確認受委託機構具備下列資格條件：
一、受委託機構應為下列其中之一：
（一）依公司法或商業登記法辦理登記並取得主管機關核發載有辦理金融機構金錢債權管理服務業務之公司登記證明文件或商業登記證明文件之公司。
（二）所屬金融控股公司或該銀行直接或間接百分之百持股，依金控公司（銀行）轉投資資產管理公司營運原則第二點第一款規定，接受母公司委託辦理應收債權催收之資產管理公司。
（三）依法設立之律師事務所。
（四）依法設立之會計師事務所。
二、受委託機構虧損未達實收資本額三分之一者。
但虧損超過實收資本額三分之一，如已依相關規定完成增資程序者，不在此限。
三、受委託機構之催收人員應完成銀行公會或其認可之機構舉辦有關催收專業訓練課程或測驗並領有合格證書者，且無下列情事之一之人員：
（一）曾犯刑法、組織犯罪防制條例、槍砲彈藥刀械管制條例等所定相關暴力犯罪，經判刑確定或通緝有案尚未結案者。
（二）受破產之宣告尚未復權者。
（三）使用票據經拒絕往來尚未期滿或有其他債信不良紀錄尚未了結者。
（四）無行為能力、限制行為能力或受輔助宣告尚未撤銷者。
（五）違反本辦法或其他法令而離職，並經金融機構報送財團法人金融聯合徵信中心登錄者。
四、受委託機構之催收人員未完成銀行公會或其認可之機構舉辦有關催收專業訓練課程或測驗並領有合格證書者，應於任職後兩個月內補正。
五、受委託機構之負責人應無銀行負責人應具備資格條件兼職限制及應遵行事項準則第三條第一款至第十一款所述情形，並出具相關之聲明書。
六、受委託機構具有為承辦受託事務所需之完備電腦作業處理設備，相關作業人員之電話須裝設錄音系統，錄音系統須與電腦系統配合可即時調閱錄音，以供稽核或遇爭議時查證之用，需所有電話暨外訪時均予以錄音並製作備份且至少保存六個月以上，其錄音紀錄不得有刪除或竄改之情形。
一、受委託機構應為下列其中之一：
（一）依公司法或商業登記法辦理登記並取得主管機關核發載有辦理金融機構金錢債權管理服務業務之公司登記證明文件或商業登記證明文件之公司。
（二）所屬金融控股公司或該銀行直接或間接百分之百持股，依金控公司（銀行）轉投資資產管理公司營運原則第二點第一款規定，接受母公司委託辦理應收債權催收之資產管理公司。
（三）依法設立之律師事務所。
（四）依法設立之會計師事務所。
二、受委託機構虧損未達實收資本額三分之一者。
但虧損超過實收資本額三分之一，如已依相關規定完成增資程序者，不在此限。
三、受委託機構之催收人員應完成銀行公會或其認可之機構舉辦有關催收專業訓練課程或測驗並領有合格證書者，且無下列情事之一之人員：
（一）曾犯刑法、組織犯罪防制條例、槍砲彈藥刀械管制條例等所定相關暴力犯罪，經判刑確定或通緝有案尚未結案者。
（二）受破產之宣告尚未復權者。
（三）使用票據經拒絕往來尚未期滿或有其他債信不良紀錄尚未了結者。
（四）無行為能力、限制行為能力或受輔助宣告尚未撤銷者。
（五）違反本辦法或其他法令而離職，並經金融機構報送財團法人金融聯合徵信中心登錄者。
四、受委託機構之催收人員未完成銀行公會或其認可之機構舉辦有關催收專業訓練課程或測驗並領有合格證書者，應於任職後兩個月內補正。
五、受委託機構之負責人應無銀行負責人應具備資格條件兼職限制及應遵行事項準則第三條第一款至第十一款所述情形，並出具相關之聲明書。
六、受委託機構具有為承辦受託事務所需之完備電腦作業處理設備，相關作業人員之電話須裝設錄音系統，錄音系統須與電腦系統配合可即時調閱錄音，以供稽核或遇爭議時查證之用，需所有電話暨外訪時均予以錄音並製作備份且至少保存六個月以上，其錄音紀錄不得有刪除或竄改之情形。