Regulations Governing Insurance Brokers Article 36
This English translation was last updated on 2024-07-22, but the Chinese text was amended on 2026-09-30. Later amendments may not be reflected in the translation — please refer to the Chinese text.
Banks that operate concurrently insurance broker business shall comply with the following provisions:1. Have a sign conspicuously placed at its business place indicating that it engages in insurance broker business;2. Make clear and enable consumers to understand the distinction between insurance broker business and banking business;3. Set up or designate a relevant department to handle dispute cases arising out of the insurance broker business;4. Clearly disclose to customers the nature and risks of insurance products; and5. Other matters of compliance as required by the competent authority.Banks shall not1. Use customer deposit information to induce purchase of insurance or recommend insurance products that do not match the customer's risk profile by misleading customer or using improper sales techniques.2. Banks try to sell insurance products to customers by comparing only the difference in rate of return on time deposit and the insurance product while ignoring the risk characteristics and nature of the product or not disclosing information such as return/risk tradeoff.3. Authorize bank employees who handle loans and credit or deposits and remittance business to sell investment-linked insurance products or insurance products with surrender value (excluding personal injury insurance and mortgage life insurance with an insurance period of less than 3 years) and receive commissions therefrom; the preceding provision does not apply when the proposer or the insured is the spouse or a direct blood relative of such employee.Banks already being granted practice license to engage in non-life insurance broker business related to documentary credit negotiation and credit extension before the amended Regulations are in force shall, within six months from the date the amended Regulations enter in force, become compliant with subparagraph 1 and subparagraph 3 of paragraph 1 hereof.
中文原文 保險經紀人管理規則第36條
銀行兼營保險經紀業務，應依下列規定辦理：
一、應於營業場所顯著明確標示辦理保險經紀業務。
二、應表明並使消費者瞭解保險經紀業務與銀行業務之區別。
三、設立或指定相關部門，負責處理因兼營保險經紀業務所衍生之爭議案件。
四、應向客戶明確揭露保險商品之性質及風險。
五、其他主管機關規定應遵行之事項。
銀行不得有下列各款行為：
一、利用客戶之存款資料進行誤導或不當行銷方式勸誘、推介與客戶風險屬性不相符之保險商品。
二、僅以定期存款與保險商品間之報酬率為差異比較，而忽略各類商品之風險特性及產品屬性，或未就報酬與風險為衡平對稱之揭露等情事。
三、授權辦理授信或存匯業務之行員銷售投資型保險商品及具解約金之保險商品（不包括保險期間在三年以下之傷害保險及房貸壽險）並收取佣酬。
但銷售對象之要保人或被保險人為其配偶或直系血親者，不在此限。
本規則修正施行前，已領有經營與押匯及授信業務有關之財產保險經紀業務執業證照之銀行，應於修正施行之日起六個月內依第一項第一款及第三款辦理。
一、應於營業場所顯著明確標示辦理保險經紀業務。
二、應表明並使消費者瞭解保險經紀業務與銀行業務之區別。
三、設立或指定相關部門，負責處理因兼營保險經紀業務所衍生之爭議案件。
四、應向客戶明確揭露保險商品之性質及風險。
五、其他主管機關規定應遵行之事項。
銀行不得有下列各款行為：
一、利用客戶之存款資料進行誤導或不當行銷方式勸誘、推介與客戶風險屬性不相符之保險商品。
二、僅以定期存款與保險商品間之報酬率為差異比較，而忽略各類商品之風險特性及產品屬性，或未就報酬與風險為衡平對稱之揭露等情事。
三、授權辦理授信或存匯業務之行員銷售投資型保險商品及具解約金之保險商品（不包括保險期間在三年以下之傷害保險及房貸壽險）並收取佣酬。
但銷售對象之要保人或被保險人為其配偶或直系血親者，不在此限。
本規則修正施行前，已領有經營與押匯及授信業務有關之財產保險經紀業務執業證照之銀行，應於修正施行之日起六個月內依第一項第一款及第三款辦理。