Regulations Governing the Business Territory of a Credit Cooperative Article 10
When a credit cooperative applies to expand its business territory under Article 6, it must submit a cross-district business plan. The "cross-district business plan"' in the preceding paragraph shall specify the following:1. Market analysis(1) Analysis of the geographical, cultural, and industrial and commercial economic environments of the county or the county-level-or-above city/municipality intended for expansion of the business territory. (2) Distribution of financial institutions in the intended expanded business territory and their business status. 2. Analysis of business operations including the credit cooperative's competitiveness and marketing strategy. 3. Financial forecast and feasibility analysis(1) Forecasted business volume for each business item for the next 3 years, and an explanation of the basis for those forecasts.(2) Forecasted financial statements for the next 3 years, and an explanation of the basis for those forecasts and a feasibility analysis.4. Whether there is a plan to establish branch services.5. How cross-district operations would benefit the sound operations of both credit cooperatives and customer convenience, an explanation of how they would not cause improper competition and the predicted scope of impact, including an explanation of the strategy for the mutual coexistence and prosperity of the credit cooperatives. 6. Explanation of the necessity of cross-district operations, e.g. where the districts are economically linked, or for exchanges between districts with abundant funds and those that lack funds. 7. Explanation stating that after commencing cross-district operations, it would still be capable of providing service to cooperative members and customers in its original business territory.8. Overall evaluation.
中文原文 信用合作社業務區域辦法第10條
信用合作社依第六條申請擴大業務區域時，應檢附跨區經營計畫。
前項所稱之跨區經營計畫，應載明下列事項：
一、市場分析（一）擬擴大業務區域縣市之地理、人文及工商經濟環境分析。
（二）擬擴大業務區域金融機構分佈暨其業務概況。
二、業務經營分析，應含該社競爭條件暨行銷策略。
三、財務預測與可行性分析（一）未來三年各項業務營運量預估，並說明預估基礎。
（二）未來三年之預估財務報表，並說明預估基礎及可行性分析。
四、有無設分支機構服務計畫。
五、跨區經營有助於雙方信用合作社健全經營、客戶便利，不致不當競爭之說明及影響層面預估，包括雙方信用合作社共存共榮策略之說明。
六、跨區經營必要性說明：例如為經濟關聯區或資金充裕地區與資金缺乏地區交流。
七、跨區經營後仍有能力對原有業務區域社員或客戶提供服務之說明。
八、綜合評估。
前項所稱之跨區經營計畫，應載明下列事項：
一、市場分析（一）擬擴大業務區域縣市之地理、人文及工商經濟環境分析。
（二）擬擴大業務區域金融機構分佈暨其業務概況。
二、業務經營分析，應含該社競爭條件暨行銷策略。
三、財務預測與可行性分析（一）未來三年各項業務營運量預估，並說明預估基礎。
（二）未來三年之預估財務報表，並說明預估基礎及可行性分析。
四、有無設分支機構服務計畫。
五、跨區經營有助於雙方信用合作社健全經營、客戶便利，不致不當競爭之說明及影響層面預估，包括雙方信用合作社共存共榮策略之說明。
六、跨區經營必要性說明：例如為經濟關聯區或資金充裕地區與資金缺乏地區交流。
七、跨區經營後仍有能力對原有業務區域社員或客戶提供服務之說明。
八、綜合評估。