Regulations for Extending Loans by Insurance Enterprises to Interested Parties Article 2
Interested party as mentioned in Paragraph 3 of Article 146-3 of this Act refers to any of the following:1.The spouse, relatives within three degrees of consanguinity, or relatives within two degrees of affinity, of the responsible person of an insurance enterprise, or employees in charge of administering the loans in the insurance enterprise.2.A business solely funded or jointly run by the aforementioned responsible person, employees or the interested party prescribed in the preceding paragraph.3.The enterprise in which more than 10 percent of the total outstanding shares or total capital is held singly or aggregately by the above-mentioned responsible person in subparagraph 1,employees or interested party.4.The enterprise in which the responsible person,employees herein or interested party mentioned in subparagraph 1 act as director, supervisor or manager, but except those who concurrently hold these posts due to investment in that enterprise after approval of the central competent authority.5.A corporate body or any other organization at which the responsible person and employees hereof or interested party mentioned in subparagraph 1 act as a representative or administrator.Major shareholder as used in this Act refers to one who holds more than 1 percent of the total outstanding shares of this insurance enterprise. When the shareholder is a natural person, the shares held by his or her spouse or underage children shall be deemed as his/her own shareholding.Full guarantee as used in this Act denotes that the total amount of the loans extended by an insurance enterprise to its responsible person, employees or major shareholders, or aforementioned interested party, shall not exceed a stipulated percentage of the assessed value of the appraised collateral submitted by the borrower upon the extending loans.If the loans extended to the same borrower, respectively or aggregately, reaches NT$100 million or accounts for 1 percent of the proprietary equity, such loans shall be deemed beyond the limit stipulated by the competent authority.Employees in charge of loan business herein refers to the employees of the insurance enterprise, who is authorized to make the final decision on a loan application handled by him or her.Employees herein refers to all of the formal employees employed (or retained) by the insurance firm, but excluding its insurance agents.Parties of the same interest herein refer to the responsible person, employees in charge of the loans business of the insurance enterprise, and their interested parties.
中文原文 保險業利害關係人放款管理辦法第2條
本法第一百四十六條之三第三項所稱有利害關係者，謂有下列情形之一者：
一、保險業負責人或辦理授信之職員之配偶、三親等以內之血親或二親等以內之姻親。
二、保險業負責人、辦理授信之職員或前款有利害關係者獨資、合夥經營之事業。
三、保險業負責人、辦理授信之職員或第一款有利害關係者單獨或合計持有超過公司已發行股份總數或資本總額百分之十之企業。
四、保險業負責人、辦理授信之職員或第一款有利害關係者為董事、監察人或經理人之企業。
但其董事、監察人或經理人係因投資關係，經中央主管機關核准而兼任者，不在此限。
五、保險業負責人、辦理授信之職員或第一款有利害關係者為代表人、管理人之法人或其他團體。
本法所稱主要股東係指持有保險業已發行股份總數百分之一以上者；主要股東為自然人時，本人之配偶與其未成年子女之持股應計入本人之持股。
本法所稱十足擔保，指保險業對其負責人、職員或主要股東，或對與其負責人或辦理授信之職員有利害關係者所為之放款餘額，應不高於放款當時對其提出之擔保品覈實鑑估後所估價值之一定成數。
本法所稱放款達主管機關規定金額以上者，指對同一放款客戶之每筆或累計金額達新臺幣一億元或各該保險業業主權益百分之一者。
本辦法所稱辦理授信之職員，係指辦理該筆放款有最後決定權之人員。
本辦法所稱職員，係指保險業編制內聘用（任）之全體員工，但不包括保險業務員。
本辦法所稱同一利害關係人係指保險業負責人、辦理授信之職員及與其有利害關係者。
一、保險業負責人或辦理授信之職員之配偶、三親等以內之血親或二親等以內之姻親。
二、保險業負責人、辦理授信之職員或前款有利害關係者獨資、合夥經營之事業。
三、保險業負責人、辦理授信之職員或第一款有利害關係者單獨或合計持有超過公司已發行股份總數或資本總額百分之十之企業。
四、保險業負責人、辦理授信之職員或第一款有利害關係者為董事、監察人或經理人之企業。
但其董事、監察人或經理人係因投資關係，經中央主管機關核准而兼任者，不在此限。
五、保險業負責人、辦理授信之職員或第一款有利害關係者為代表人、管理人之法人或其他團體。
本法所稱主要股東係指持有保險業已發行股份總數百分之一以上者；主要股東為自然人時，本人之配偶與其未成年子女之持股應計入本人之持股。
本法所稱十足擔保，指保險業對其負責人、職員或主要股東，或對與其負責人或辦理授信之職員有利害關係者所為之放款餘額，應不高於放款當時對其提出之擔保品覈實鑑估後所估價值之一定成數。
本法所稱放款達主管機關規定金額以上者，指對同一放款客戶之每筆或累計金額達新臺幣一億元或各該保險業業主權益百分之一者。
本辦法所稱辦理授信之職員，係指辦理該筆放款有最後決定權之人員。
本辦法所稱職員，係指保險業編制內聘用（任）之全體員工，但不包括保險業務員。
本辦法所稱同一利害關係人係指保險業負責人、辦理授信之職員及與其有利害關係者。