Regulations Governing Internal Operating Systems and Procedures for Banks Conducting Financial Derivatives Business Article 29-1
When offering structured product transaction services to retail customers, a bank shall establish a control mechanism including at least:1.Abank shall obtain a letter of consent, which may not be incorporated as part of any other agreement, from a customer prior to recommending any structured products. The customer may at any time terminate such recommendation service.2.If a customer has made less than five transactions of financial derivatives during the preceding one year, has an educational level of junior high school graduate or lower, or has a National Health Insurance Critical Illness/Injury Certificate, the bank shall not recommend any product to such customer in-person, by phone, email, or mailing any product brochure.3.Prior to entering into any structured product transactions with a customer who meets the conditions set forth in the preceding subparagraph, the bank shall assign a proper unit or managerial person to perform secondary review and confirm the suitability of such customer.
中文原文 銀行辦理衍生性金融商品業務內部作業制度及程序管理辦法第29-1條
銀行向一般客戶提供結構型商品交易服務，須進行充分瞭解客戶程序，以確認客戶足以承擔所投資標的風險，並應建立交易控管機制，至少應包含下列事項：
一、銀行向客戶推介結構型商品，應事先取得客戶同意書，且不得併入其他約據之方式辦理。
客戶並得隨時終止該推介行為。
二、對於最近一年內辦理衍生性金融商品交易筆數低於五筆、教育程度為國中畢業以下或有全民健康保險重大傷病證明之客戶，銀行不得以當面洽談、電話或電子郵件聯繫、寄發商品說明書等方式進行商品推介。
三、銀行與符合前款所列條件之客戶進行結構型商品交易前，應由適當之單位或主管人員進行覆審，確認客戶辦理商品交易之適當性後，始得承作。
一、銀行向客戶推介結構型商品，應事先取得客戶同意書，且不得併入其他約據之方式辦理。
客戶並得隨時終止該推介行為。
二、對於最近一年內辦理衍生性金融商品交易筆數低於五筆、教育程度為國中畢業以下或有全民健康保險重大傷病證明之客戶，銀行不得以當面洽談、電話或電子郵件聯繫、寄發商品說明書等方式進行商品推介。
三、銀行與符合前款所列條件之客戶進行結構型商品交易前，應由適當之單位或主管人員進行覆審，確認客戶辦理商品交易之適當性後，始得承作。