The Banking Act of The Republic of China Article 74
A commercial bank may apply to the competent authority to invest in financial-related businesses. The application shall be deemed approved if the competent authority does not object thereto within fifteen (15) days after the application is serviced to it; provided that the bank shall not proceed with the investment under application during the foregoing period.A commercial bank which obtains the approval from the competent authority may invest in non-financial-related businesses to cooperate with the government's economic development plans; provided that it shall not be involved in the management of such businesses. The application shall be deemed approved if the competent authority does not object thereto within thirty (30) days after the application is serviced to it; provided that the bank shall not proceed with the investment under application during the foregoing period.Investment made pursuant to the preceding two paragraphs shall comply with the following requirements:1.The total investment amount shall not exceed forty percent (40%) of the bank's net worth at the time of investment, and the total amount invested in non-financial-related businesses shall not exceed ten percent (10%) of the bank's net worth at the time of investment.2. Unless the investment is in cooperation with the government’s policy and is approved by the competent authority, a commercial bank shall not invest in more than one financial-related businesses engaging in the same business; and3. Where a commercial bank invests in non-financial-related businesses, the investment in each business shall not exceed five percent (5%) of the total paid-in capital or the total issued shares of such business.The term "financial-related business" as used in Paragraph 1 and Subparagraph 2 of the preceding paragraph shall refer to businesses of banks, bills, securities, futures, credit cards, financial leasing, insurance, and trust and other financial-related businesses determined by the competent authority.Matters to be complied with by a bank which engages in multisectoral operations by investment shall be prescribed by the competent authority to facilitate the consolidated supervision and administration of the bank and invested businesses and prevent conflicts of interest between the bank and invested businesses to ensure the banks’ sound operations.Where it becomes obvious that the operation of an invested business is likely to affect a bank's sound operations, the competent authority may order the bank to dispose of its shares in such invested business within a prescribed period of time.Where, before the amendment dated November 1, 2000 becomes effective, the total amount invested in non-financial-related businesses exceeds the ratio prescribed in Paragraph 3, Subparagraph 3, a bank may, as approved by the competent authority, maintain the original investment amount before complying with the prescribed ratio. Where two or more banks merge and each bank has investment in the same business, the banks may maintain the original investment amount as approved by the competent authority at the time of applying for the merger.
中文原文 銀行法第74條
商業銀行得向主管機關申請投資於金融相關事業。
主管機關自申請書件送達之次日起十五日內，未表示反對者，視為已核准。
但於前揭期間內，銀行不得進行所申請之投資行為。
商業銀行為配合政府經濟發展計畫，經主管機關核准者，得投資於非金融相關事業。
但不得參與該相關事業之經營。
主管機關自申請書件送達之次日起三十日內，未表示反對者，視為已核准。
但於前揭期間內，銀行不得進行所申請之投資行為。
前二項之投資須符合下列規定：
一、投資總額不得超過投資時銀行淨值之百分之四十，其中投資非金融相關事業之總額不得超過投資時淨值之百分之十。
二、商業銀行投資金融相關事業，其屬同一業別者，除配合政府政策，經主管機關核准者外，以一家為限。
三、商業銀行投資非金融相關事業，對每一事業之投資金額不得超過該被投資事業實收資本總額或已發行股份總數之百分之五。
第一項及前項第二款所稱金融相關事業，指銀行、票券、證券、期貨、信用卡、融資性租賃、保險、信託事業及其他經主管機關認定之金融相關事業。
為利銀行與被投資事業之合併監督管理，並防止銀行與被投資事業間之利益衝突，確保銀行之健全經營，銀行以投資為跨業經營方式應遵守之事項，由主管機關另定之。
被投資事業之經營，有顯著危及銀行健全經營之虞者，主管機關得命銀行於一定期間內處分所持有該被投資事業之股份。
本條中華民國八十九年十一月一日修正施行前，投資非金融相關事業之投資金額超過第三項第三款所定比率者，在符合所定比率之金額前，經主管機關核准者，得維持原投資金額。
二家或二家以上銀行合併前，個別銀行已投資同一事業部分，於銀行申請合併時，經主管機關核准者，亦得維持原投資金額。
主管機關自申請書件送達之次日起十五日內，未表示反對者，視為已核准。
但於前揭期間內，銀行不得進行所申請之投資行為。
商業銀行為配合政府經濟發展計畫，經主管機關核准者，得投資於非金融相關事業。
但不得參與該相關事業之經營。
主管機關自申請書件送達之次日起三十日內，未表示反對者，視為已核准。
但於前揭期間內，銀行不得進行所申請之投資行為。
前二項之投資須符合下列規定：
一、投資總額不得超過投資時銀行淨值之百分之四十，其中投資非金融相關事業之總額不得超過投資時淨值之百分之十。
二、商業銀行投資金融相關事業，其屬同一業別者，除配合政府政策，經主管機關核准者外，以一家為限。
三、商業銀行投資非金融相關事業，對每一事業之投資金額不得超過該被投資事業實收資本總額或已發行股份總數之百分之五。
第一項及前項第二款所稱金融相關事業，指銀行、票券、證券、期貨、信用卡、融資性租賃、保險、信託事業及其他經主管機關認定之金融相關事業。
為利銀行與被投資事業之合併監督管理，並防止銀行與被投資事業間之利益衝突，確保銀行之健全經營，銀行以投資為跨業經營方式應遵守之事項，由主管機關另定之。
被投資事業之經營，有顯著危及銀行健全經營之虞者，主管機關得命銀行於一定期間內處分所持有該被投資事業之股份。
本條中華民國八十九年十一月一日修正施行前，投資非金融相關事業之投資金額超過第三項第三款所定比率者，在符合所定比率之金額前，經主管機關核准者，得維持原投資金額。
二家或二家以上銀行合併前，個別銀行已投資同一事業部分，於銀行申請合併時，經主管機關核准者，亦得維持原投資金額。