Regulations Governing Banks Conducting Financial Products and Services for High-Asset Customers Article 3
A "high-asset customer" specified in the Regulations refers to a natural person or juristic person that accepts personalized or customized financial products or services provided by banks (banks refer to designated exchange banks and offshore banking units). A customer that meets the following conditions may file an application provided in writing to the bank to become a high-asset customer.1. The customer provides proof of financial capacity equivalent to NT$100 million or above in net value of investable assets and insurance products value; or holds more than NT$30 million in net value of investable assets at the bank and provides a statement of holding and equivalent to NT$100 million or above in net value of investable assets and insurance products value.2. The bank confirms that the natural person or the individual authorized by a juristic person for conducting transactions retains comprehensive professional knowledge and trading experience in financial products and confirms that the natural person or juristic person retains adequate capacity for bearing risks.3. The customer fully understands the exemptions of the liabilities of the bank for providing financial products or services to high-asset customers and other related regulations regarding the natural persons or juristic persons of professional investors or the natural persons or juristic persons of professional customers, and agrees to sign on as a high-asset customer.The term “investable assets ”in the preceding paragraph refer to financial assets such as deposits, domestic and foreign securities or short-term bills(including bonds or short-term bills purchased through RP/RS transactions), structural products, and gold passbooks. The term "net value" refers to the amount after the customer's investment principal is deducted by the amount pledged for loans. If a financial asset has an open market value or reference price, the net value should be measured by the amount of its market value or reference price deducted by the amount pledged for loans. The term “insurance products value ”refers to the insurance policy value of the investment insurance or the insurance policy preparatory fund of the non-investment personal insurance policy.Customers that have been natural persons or juristic persons of professional investors or the natural persons or juristic persons of professional customers, meet the criteria in Paragraph 1, Subparagraph 1, and are confirmed by the bank as having adequate capacity for bearing risks may file an application provided in writing to the bank to become a high-asset customer.The bank shall be responsible for exercising due diligence on the criteria of high-asset customers, obtaining reasonable and credible corroborative evidence from customers, reviewing and giving its approval in accordance with the “Know Your Customer (KYC)”procedures and customer acceptance criteria established by the bank.A customer that meets the criteria for high-asset customers in Paragraph 1 or Paragraph 3 is also deemed to be as a natural person or juristic person of a professional investor specified in related business regulations on financial products or services. However, financial derivatives transaction traded with high-asset customers must meet requirements of the criteria on professional customers and restrictions on client types in the regulations for banks conducting financial derivatives business established by the Financial Supervisory Commission (hereinafter referred to as the FSC) or the Central Bank of the Republic of China (Taiwan) (hereinafter referred to as the Central Bank).The bank shall carry out at least one review every two years in accordance with the review procedures it established to ensure that the customer continue to meet the qualification criteria for high-asset customers. The bank shall regularly evaluate the value of the customer's investable assets at the bank. If the bank discovers that the value of the customer's investable assets is below the standards of financial capacity required for high-asset customers, the bank must obtain the customer's confirmation provided in writing for whether it wishes to continue to add new financial products or services applicable for high-asset customers as defined in Article 5, Paragraph 1.A high-asset customer may file an application provided in writing to the bank to terminate its status as a high-asset customer.
中文原文 銀行辦理高資產客戶適用之金融商品及服務管理辦法第3條
本辦法所稱高資產客戶，係指自然人或法人接受銀行（係指外匯指定銀行及國際金融業務分行）提供個人化或客製化金融商品或服務，同時符合下列條件，以書面向銀行申請為高資產客戶：
一、提供可投資資產淨值及保險商品價值達等值新臺幣一億元以上之財力證明；或於該銀行之可投資資產淨值達等值新臺幣三千萬元以上，並提供持有等值新臺幣一億元以上可投資資產淨值及保險商品價值之財力聲明書。
二、經銀行確認該自然人或經法人授權辦理交易之人具備充分之金融商品專業知識、交易經驗，並確認該自然人或法人具備充分之風險承擔能力。
三、客戶充分了解銀行提供金融商品或服務予高資產客戶與其他相關法令有關專業投資人之自然人或法人或專業客戶之自然人或法人得免除之責任後，同意簽署為高資產客戶。
前項所稱可投資資產，係指存款、國內外有價證券或短期票券（包含以附條件交易方式買入之債券或短期票券）、結構型商品、黃金存摺等金融資產。
所稱淨值，係指客戶之投資本金扣除設質質借之金額，如金融資產具公開市場價格或參考價格者，以其市場價格或參考價格衡量其價值扣除設質質借之金額計算。
所稱保險商品價值，係指投資型保險之保單價值或非投資型人身保險之保單價值準備金。
已具備專業投資人之自然人或法人或專業客戶之自然人或法人身分，符合第一項第一款條件並經銀行確認具備充分之風險承擔能力者，得以書面向銀行申請為高資產客戶。
有關高資產客戶應符合之條件，應由銀行盡合理調查之責任，向客戶取得合理可信之佐證依據，依據銀行訂定之瞭解客戶程序及接受客戶標準審核通過。
符合第一項或第三項高資產客戶身分者，視為具備各金融商品或服務所涉業務法規所定專業投資人之自然人或法人身分。
但高資產客戶辦理衍生性金融商品交易，應符合金融監督管理委員會（以下簡稱本會）或中央銀行對銀行辦理衍生性金融商品業務所定專業客戶條件及承作對象限制。
銀行應依據所定覆審程序，至少每二年辦理一次覆審，檢視客戶續符合高資產客戶之資格條件。
銀行應定期評估客戶於該銀行之可投資資產價值，如發現客戶之可投資資產價值未達高資產客戶應符合之財力標準時，應取得客戶書面確認是否續行新增第五條第一項所定高資產客戶適用之金融商品或服務。
高資產客戶得以書面向銀行申請終止該高資產客戶身分。
一、提供可投資資產淨值及保險商品價值達等值新臺幣一億元以上之財力證明；或於該銀行之可投資資產淨值達等值新臺幣三千萬元以上，並提供持有等值新臺幣一億元以上可投資資產淨值及保險商品價值之財力聲明書。
二、經銀行確認該自然人或經法人授權辦理交易之人具備充分之金融商品專業知識、交易經驗，並確認該自然人或法人具備充分之風險承擔能力。
三、客戶充分了解銀行提供金融商品或服務予高資產客戶與其他相關法令有關專業投資人之自然人或法人或專業客戶之自然人或法人得免除之責任後，同意簽署為高資產客戶。
前項所稱可投資資產，係指存款、國內外有價證券或短期票券（包含以附條件交易方式買入之債券或短期票券）、結構型商品、黃金存摺等金融資產。
所稱淨值，係指客戶之投資本金扣除設質質借之金額，如金融資產具公開市場價格或參考價格者，以其市場價格或參考價格衡量其價值扣除設質質借之金額計算。
所稱保險商品價值，係指投資型保險之保單價值或非投資型人身保險之保單價值準備金。
已具備專業投資人之自然人或法人或專業客戶之自然人或法人身分，符合第一項第一款條件並經銀行確認具備充分之風險承擔能力者，得以書面向銀行申請為高資產客戶。
有關高資產客戶應符合之條件，應由銀行盡合理調查之責任，向客戶取得合理可信之佐證依據，依據銀行訂定之瞭解客戶程序及接受客戶標準審核通過。
符合第一項或第三項高資產客戶身分者，視為具備各金融商品或服務所涉業務法規所定專業投資人之自然人或法人身分。
但高資產客戶辦理衍生性金融商品交易，應符合金融監督管理委員會（以下簡稱本會）或中央銀行對銀行辦理衍生性金融商品業務所定專業客戶條件及承作對象限制。
銀行應依據所定覆審程序，至少每二年辦理一次覆審，檢視客戶續符合高資產客戶之資格條件。
銀行應定期評估客戶於該銀行之可投資資產價值，如發現客戶之可投資資產價值未達高資產客戶應符合之財力標準時，應取得客戶書面確認是否續行新增第五條第一項所定高資產客戶適用之金融商品或服務。
高資產客戶得以書面向銀行申請終止該高資產客戶身分。