Regulations Governing Internal Operating Systems and Procedures for Banks Conducting Financial Derivatives Business Article 30
A bank shall carry out the following controls of marketing process when providing structured product transaction services to customers other than professional institutional investors and high net worth corporate investors:1. A bank shall, based on the results of product attributes evaluation as described in subparagraph 2, paragraph 1 of Article 29, use bold typeface in investor brochure and prospectus of the structured product to highlight the risk level of the product.2. A bank shall fulfill its obligation to inform when providing structured product transaction services to retail customers, and for products with standardized trading terms and conditions and tenor of more than six months, allow at least seven days for retail customers, and at least three days for professional customers to review the related contracts of structured product, unless such professional customer has provided a signed statement indicating that the customer has carefully reviewed the product. For products to which the provision of a free-look period is not required, a bank shall explicitly indicate in the product prospectus that the product does not offer a free-look period.3. A bank that offers structured product transaction services to retail customers shall explain the important points in the investor brochure of the product by reading it to the customer or using electronic equipment and save the process record by audio recording or using electronic equipment. However, the foregoing information may be delivered to a professional customer in written or video format or video media instead.4.When providing individual customers with the transaction service of a structured product for the first time, the bank shall assign a staff to explain the product to the customer. As the product is not principal guaranteed, the bank shall save the record of the product explanation process by audio- or video-recording. Furthermore, the bank is not required to assign staff to explain for subsequent transactions of same-kind of structured product when using electronic equipment for the transaction.5. After a bank has undertaken a structured product transaction with a juristic person retail customer, the bank only needs to obtain the customer's signed written consent each time the bank undertakes the same kind of structured product transaction thereafter without reading to the customer or using an electronic equipment to explain to the customer the important points in the investor brochure of the product and saving the process record by audio recording or using an electronic equipment as required under the subparagraph 3.6. The term "same kind of structured product" mentioned in the preceding two subparagraphs shall mean products with identical structure, currency and underlying.Matters to be stated in the investor brochure, product prospectus and the manner of audio or video recording or using electrical equipment mentioned in the preceding paragraph shall be drafted by the Bankers Association and submitted to the Commission for reference.
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30條
銀行向專業機構投資人及高淨值投資法人以外客戶提供結構型商品交易服務，應進行下列行銷過程控制：
一、銀行應依第二十九條第一項第二款之商品屬性評估結果，於結構型商品客戶須知及產品說明書上以顯著之字體，標示該商品之商品風險程度。
二、銀行向客戶提供結構型商品交易服務，應盡告知義務；對於交易條件標準化且存續期限超過六個月之商品，應提供一般客戶不低於七日之審閱期間審閱結構型商品相關契約，其屬專業客戶者，除專業客戶明確表示已充分審閱並簽名者外，其審閱期間不得低於三日；對於無須提供審閱期之商品，應於產品說明書上明確標示該商品並無契約審閱期間。
三、銀行向客戶提供結構型商品交易服務，應向客戶宣讀或以電子設備說明該結構型商品之客戶須知之重要內容，並以錄音方式保留紀錄或以電子設備留存相關作業過程之軌跡。
但對專業客戶得以交付書面或影音媒體方式取代之。
四、銀行向自然人客戶提供首次結構型商品交易服務，應派專人解說，所提供商品如屬不保本型商品，銀行應就專人解說程序以錄音或錄影方式保留紀錄；嗣後銀行以電子設備提供同類型之結構型商品交易，得免指派專人解說。
五、銀行與屬法人之客戶進行結構型商品交易後，嗣後銀行與該客戶進行同類型之結構型商品交易，得經客戶逐次簽署書面同意，免依第三款規定辦理。
六、前二款所稱同類型之結構型商品係指商品結構、幣別、連結標的等性質完全一致之商品。
前項客戶須知、產品說明書之應記載事項及錄音、錄影或以電子設備辦理之方式，由銀行公會訂定，並報本會備查。
一、銀行應依第二十九條第一項第二款之商品屬性評估結果，於結構型商品客戶須知及產品說明書上以顯著之字體，標示該商品之商品風險程度。
二、銀行向客戶提供結構型商品交易服務，應盡告知義務；對於交易條件標準化且存續期限超過六個月之商品，應提供一般客戶不低於七日之審閱期間審閱結構型商品相關契約，其屬專業客戶者，除專業客戶明確表示已充分審閱並簽名者外，其審閱期間不得低於三日；對於無須提供審閱期之商品，應於產品說明書上明確標示該商品並無契約審閱期間。
三、銀行向客戶提供結構型商品交易服務，應向客戶宣讀或以電子設備說明該結構型商品之客戶須知之重要內容，並以錄音方式保留紀錄或以電子設備留存相關作業過程之軌跡。
但對專業客戶得以交付書面或影音媒體方式取代之。
四、銀行向自然人客戶提供首次結構型商品交易服務，應派專人解說，所提供商品如屬不保本型商品，銀行應就專人解說程序以錄音或錄影方式保留紀錄；嗣後銀行以電子設備提供同類型之結構型商品交易，得免指派專人解說。
五、銀行與屬法人之客戶進行結構型商品交易後，嗣後銀行與該客戶進行同類型之結構型商品交易，得經客戶逐次簽署書面同意，免依第三款規定辦理。
六、前二款所稱同類型之結構型商品係指商品結構、幣別、連結標的等性質完全一致之商品。
前項客戶須知、產品說明書之應記載事項及錄音、錄影或以電子設備辦理之方式，由銀行公會訂定，並報本會備查。