Regulations Governing the Business Territory of a Credit Cooperative Article 6
A credit cooperative that meets the following standards may apply to expand its business territory to include one neighboring county or county-level-or-above city/municipality:1. It has allocated sufficient valuation reserve to meet the minimum standard based on potential asset losses as stated on the most recent financial examination report, and has no accumulated deficit after the final accounting of the fiscal year.2. All non-performing loans and non-accrual loans that are two years or more overdue, after subtracting the estimated recoverable portion, have already been written off as bad debts.3. The ratio of equity capital to risk-based capital meets the minimum standard set by the Competent Authority.4. The non-performing loan ratio at the end of the preceding year was lower than 2 percent.5. The ratio of allowance for bad debts to non-performing loans is at least 40 percent.A credit cooperative that meets the requirements of subparagraphs 1 and 2 above and also meets the standards listed below may apply to expand its business territory to include two neighboring counties or county-level-or-above cities/municipalities: (1) The ratio of equity capital to risk-based capital is 12 percent or higher.(2) The non-performing loan ratio for the previous year was lower than 1 percent.(3) The ratio of allowance for bad debts to non-performing loans is at least 100 percent.
中文原文 信用合作社業務區域辦法第6條
信用合作社符合下列標準，得申請擴大業務區域至緊鄰一縣市：
一、已依最近一次檢查報告所列資產可能遭受損失為最低標準提足評價準備，且年度決算後無累積虧損。
二、逾清償期二年以上之逾期放款及催收款，經扣除估計可收回部分，均已轉銷呆帳。
三、自有資本與風險性資產比率符合主管機關規定之最低標準。
四、前一年底逾期放款比率低於百分之二。
五、備抵呆帳占逾期放款比率達百分之四○。
信用合作社符合前項第一款及第二款規定，並符合下列標準者，得申請擴大業務區域至緊鄰二縣市：
一、自有資本與風險性資產比率達百分之十二以上。
二、前一年底逾期放款比率低於百分之一。
三、備抵呆帳占逾期放款比率達百分之一○○。
一、已依最近一次檢查報告所列資產可能遭受損失為最低標準提足評價準備，且年度決算後無累積虧損。
二、逾清償期二年以上之逾期放款及催收款，經扣除估計可收回部分，均已轉銷呆帳。
三、自有資本與風險性資產比率符合主管機關規定之最低標準。
四、前一年底逾期放款比率低於百分之二。
五、備抵呆帳占逾期放款比率達百分之四○。
信用合作社符合前項第一款及第二款規定，並符合下列標準者，得申請擴大業務區域至緊鄰二縣市：
一、自有資本與風險性資產比率達百分之十二以上。
二、前一年底逾期放款比率低於百分之一。
三、備抵呆帳占逾期放款比率達百分之一○○。