Standards Governing the Establishment of Commercial Banks Article 18-1
An internet-only bank is a bank who mainly utilizes the internet or other forms of electronic communication channels to provide financial products and services to its customers.The internet-only banks establishment shall comply with the following conditions in addition to this Standards:1. Shall be registered as a public company within one year after its establishment.2. The minimum amount of the paid-in capital shall be fully subscribed by the founders, and do not apply to Articles 3 and 12.3. More than 40% of the paid-in capital shall be subscribed by the financial-industry founders and shareholders such as financial holding companies, banks, insurance companies or securities firms, and at least one of the founders shall be a bank or a financial holding company whose minimum shareholding of the subscribed paid-in capital should exceed 25%.4. If a foreign financial institution is the founder of the internet-only bank, Article 4 and Paragraphs 2 and 3 of Article 5 will not be applied, and the documentation showing home country financial authority of the foreign financial institution approving the internet-only bank establishment shall be submitted. However, if it is not a legal requirement to the home financial authority for granting the approval documentation, the foreign financial institution may submit other types of filing certificate from the competent authority as a substitute and explain the applicability of the certificate.5. The non-financial founder of the internet-only banks who has the financial technology, e-commerce or telecommunication capabilities and is capable of offering successful business models may subscribe more than 10% of the paid-in capital and submit the qualification documentation listed in Sub-paragraph 5 of Paragraph 1 in Article 8.6. More than half of the directors shall meet one of the following requirements and at least one of them shall meet the second Item of this Sub-paragraph. The number of the elected directors who are not from the government, legal persons or their representatives shall be subject to Article 9 of the "Regulations for the Responsible Persons of the Bank."(1) Meet the qualification requirements of Paragraph 1 of Article 9 of the "Regulations for the Responsible Persons of the Bank."(2) More than five years of professional experience in financial technology, e-commerce or telecommunication businesses and has served as an assistant manager or above or equivalent position at the head office, with excellent performance which can be conducive to the successful operations of the internet-only banks.7. The business plan attached in accordance with the provisions of Article 8 shall include the following items:(1) Customers identity verification mechanism(2) Information Technology system, security controls, backup operations and business continuity plan used in the operations of the internet-only bank.(3) Certified by a Certified Public Accountant to meet the budget assessment of proper operations of Information Technology system and business in the next five years.(4) Liquidity control mechanism(5) Market exit plan: Clarify the conditions and authorization to implement the plan, the method and channels to return clients' deposits, the source of funds for the refund and the descriptions on consumer protection.8. Except for setting up the head office and the customer service center as the physical presence, internet-only banks shall not establish branches, and shall not apply to the provisions of Paragraph 2 of the preceding Article.After three years from the commencement of operations of an internet-only bank, the aggregate shareholding ratio of its financial industry shareholders may be exempt from the restriction set forth in Subparagraph 3 of the preceding paragraph; the qualifications and number of its directors shall be governed by Article 9 of the "Regulations for the Responsible Persons of the Bank", and at least one director shall meet the qualification set forth in Item 2 of Subparagraph 6 of the preceding paragraph.
中文原文 商業銀行設立標準第18-1條
主要利用網路或其他形式之電子傳送管道，向其客戶提供金融商品與服務之銀行，為純網路銀行。
純網路銀行之設立，除下列事項外，應依本標準辦理：
一、應於設立後一年內補辦為公開發行公司。
二、其最低實收資本額，應全數由發起人認足，不適用第三條及第十二條規定。
三、純網路銀行之發起人及股東應有金融控股公司、銀行、保險公司或證券商之金融業發起人及股東，其所認股份，合計應達實收資本額之百分之四十以上，且其中應有一銀行或金融控股公司所認股份超過實收資本額之百分之二十五。
四、外國金融機構得為純網路銀行之發起人，不適用第四條、第五條第二項及第三項規定，並應檢附母國金融主管機關同意在我國設立純網路銀行之文件。
但依母國法令規定，金融主管機關出具同意文件非為法定必要程序者，得檢附該金融機構依母國法令規定向其主管機關辦理申報、報備或其他法定程序之證明文件代替之，並說明適法性。
五、純網路銀行之非金融業發起人，如具有金融科技、電子商務或電信事業等專業，並能提出成功之業務經營模式者，所認股份得超過實收資本額之百分之十，並依第八條第一項第五款規定檢附適格條件之說明文件。
六、應有逾半數之董事符合下列資格之一，且至少有一人符合第二目資格。
其中符合下列資格之董事，非以政府、法人或其代表人當選者，其人數，適用銀行負責人準則第九條規定：
（一）符合銀行負責人準則第九條第一項所定資格者。
（二）金融科技、電子商務或電信事業等專業工作經驗五年以上，並曾擔任總公司副經理以上或同等職務，成績優良，有助於純網路銀行成功經營者。
七、依第八條規定所檢附之營業計畫書，應併記載下列事項：
（一）客戶身分確認機制。
（二）經營純網路銀行業務所採用之資訊系統，與安全控管、備援作業及業務連續性計畫說明。
（三）經會計師認證得以滿足未來五年資訊系統及業務適當營運之預算評估。
（四）流動性管理機制。
（五）市場退出計畫：載明啟動計畫之條件及授權、退還存款予客戶之方式與管道、退還款項之資金來源、客戶權益保障說明。
八、除設置總行及客戶服務中心外，不得設立分行，不適用前條第二項規定。
純網路銀行開業屆滿三年後，其金融業股東之合計持股比例，得不受前項第三款之限制；其董事之資格及人數適用銀行負責人準則第九條規定，且至少應有一人符合前項第六款第二目資格。
純網路銀行之設立，除下列事項外，應依本標準辦理：
一、應於設立後一年內補辦為公開發行公司。
二、其最低實收資本額，應全數由發起人認足，不適用第三條及第十二條規定。
三、純網路銀行之發起人及股東應有金融控股公司、銀行、保險公司或證券商之金融業發起人及股東，其所認股份，合計應達實收資本額之百分之四十以上，且其中應有一銀行或金融控股公司所認股份超過實收資本額之百分之二十五。
四、外國金融機構得為純網路銀行之發起人，不適用第四條、第五條第二項及第三項規定，並應檢附母國金融主管機關同意在我國設立純網路銀行之文件。
但依母國法令規定，金融主管機關出具同意文件非為法定必要程序者，得檢附該金融機構依母國法令規定向其主管機關辦理申報、報備或其他法定程序之證明文件代替之，並說明適法性。
五、純網路銀行之非金融業發起人，如具有金融科技、電子商務或電信事業等專業，並能提出成功之業務經營模式者，所認股份得超過實收資本額之百分之十，並依第八條第一項第五款規定檢附適格條件之說明文件。
六、應有逾半數之董事符合下列資格之一，且至少有一人符合第二目資格。
其中符合下列資格之董事，非以政府、法人或其代表人當選者，其人數，適用銀行負責人準則第九條規定：
（一）符合銀行負責人準則第九條第一項所定資格者。
（二）金融科技、電子商務或電信事業等專業工作經驗五年以上，並曾擔任總公司副經理以上或同等職務，成績優良，有助於純網路銀行成功經營者。
七、依第八條規定所檢附之營業計畫書，應併記載下列事項：
（一）客戶身分確認機制。
（二）經營純網路銀行業務所採用之資訊系統，與安全控管、備援作業及業務連續性計畫說明。
（三）經會計師認證得以滿足未來五年資訊系統及業務適當營運之預算評估。
（四）流動性管理機制。
（五）市場退出計畫：載明啟動計畫之條件及授權、退還存款予客戶之方式與管道、退還款項之資金來源、客戶權益保障說明。
八、除設置總行及客戶服務中心外，不得設立分行，不適用前條第二項規定。
純網路銀行開業屆滿三年後，其金融業股東之合計持股比例，得不受前項第三款之限制；其董事之資格及人數適用銀行負責人準則第九條規定，且至少應有一人符合前項第六款第二目資格。