Regulations Governing the Credit Review Committees of Credit Cooperatives Article 7
Cases that require the review and approval of the credit review committee are as follows:1. Loans exceeding a specific amount;2. Extension of loans exceeding a specific amount;3. Settlement or agreement with the debtor of overdue loans and its guarantor exceeding a specific amount.The limit of the "specific amount" in the preceding paragraph shall be established by the board of director of each Credit Cooperative. Cases below the specific amount shall be approved or rejected by the vice general manager and managers of varying levels in the business unit based on their responsibilities in the authorization system.The credit investigation and loan usage plan shall be adopted as an important basis for the review of loans. As a principle, the Credit Cooperatives shall also review important factors such as the borrower, purpose of the loan, source of loan repayment, creditor guarantee, and outlook of the loan.
中文原文 信用合作社授信審議委員會組織準則第7條
應經授信審議委員會審議完成始得核准辦理之案件如下：
一、一定金額以上之授信案件。
二、一定金額以上授信案件之展期。
三、與逾期放款債務人及其保證人進行一定金額以上之和解或協議案件。
前項所稱一定金額，其額度由各社理事會視業務情形訂定之。
該一定金額以下之案件，由副總經理、營業單位各級主管依分層負責之授權制度決定其准駁。
授信案件之審議，應以徵信資料及借款用途計畫，為重要之依據，並應以審議借款戶、資金用途、還款來源、債權保障及授信展望等要項為基本原則。
一、一定金額以上之授信案件。
二、一定金額以上授信案件之展期。
三、與逾期放款債務人及其保證人進行一定金額以上之和解或協議案件。
前項所稱一定金額，其額度由各社理事會視業務情形訂定之。
該一定金額以下之案件，由副總經理、營業單位各級主管依分層負責之授權制度決定其准駁。
授信案件之審議，應以徵信資料及借款用途計畫，為重要之依據，並應以審議借款戶、資金用途、還款來源、債權保障及授信展望等要項為基本原則。