The Banking Act of The Republic of China Article 14
The term "medium- or long-term loan repayable in installments" as used in this Act shall refer to a loan extended by a bank based on the borrower’s ability to repay the debt, in which the methods to repay the principal and interest in installments and other relevant terms to be observed by the borrower are stated in the loan agreement agreed between the lending and borrowing parties.
中文原文 銀行法第14條
本法稱中、長期分期償還放款，謂銀行依據借款人償債能力，經借貸雙方協議，於放款契約內訂明分期還本付息辦法及借款人應遵守之其他有關條件之放款。