Postal Remittances and Savings Act ( 2002.07.10 Announced )
郵政儲金匯兌法(民國91年07月10日公布)
Article 1 This Act is being established with the following aims: to encourage people to save and to promote accumulation of capital that can be used to carry out national policies; to provide more convenient services to the general public; and to ensure the security of postal savings and remittances. Where matters are not covered under this Act, all other laws shall govern.
第1條 為鼓勵國民儲蓄、促進資本形成，以配合國家政策，並增進民眾便利，保障郵政儲金匯兌安全，特制定本法；本法未規定者，依其他法律之規定。
Article 2 Chunghwa Post Co., Ltd., hereinafter called Chunghwa Post, shall administer the postal savings and remittances business. The Ministry of Transportation and Communications (MOTC) shall be its competent regulatory agency, and the Ministry of Finance will supervise its business operations. Chunghwa Post will also require approval from the Central Bank of China (CBC) when engaging in any foreign-exchange business.
第2條 郵政儲金匯兌事務，由中華郵政股份有限公司(以下簡稱中華郵政公司)辦理，屬交通部主管，業務並受財政部監督；其涉及外匯業務經營者，應經中央銀行許可。
Article 3 The categories of postal savings shall be as follows:
第3條 郵政儲金之種類如下：
1. Passbook savings: With such an account, a customer may make deposits or withdrawals at any time by presenting his or her postal savings passbook, or make deposits or withdrawals in accordance with pre-authorizations by the account holder.
一存簿儲金：指存款人憑郵政儲金簿或依約定方式，隨時存入或提取之儲金。
2. Certificates of deposit: These are restricted for a certain period until maturity, at which time a depositor may cash a certificate of deposit upon presentation or in accordance with his/her pre-authorization.
二定期儲金：指有一定時期之限制，存款人憑存單或依約定方式提取之儲金。
3. Postal giro: An account holder may make deposits, withdrawals and remittances, designate payments, transfer funds, and apply for giro checks, as well as receive payments from others.
三劃撥儲金：指存款人得以其帳戶辦理存款、提款、匯款、撥款、轉帳及申請領用劃撥支票，並得接受他人存款之儲金。
Article 4 The categories of postal remittances shall be as follows:
第4條 郵政匯兌之種類如下：
1. Domestic remittances: Members of the public may consign Chunghwa Post to make a remittance of a specific amount to a domestic beneficiary.
一國內匯兌：指公眾以一定金額委託中華郵政公司支付與國內受款人之業務。
2. International remittances: Members of the public may consign Chunghwa Post to make a remittance of a specific amount to an overseas beneficiary, or consign Chunghwa Post on their behalf to receive from overseas remittances for which they are beneficiary.
二國際匯兌：指公眾以一定金額委託中華郵政公司轉付與國外受款人，及接受通匯國匯入轉付與國內受款人之業務。
3. Postal gift coupons: A kind of security issued by Chunghwa Post that it will unconditionally cash at face value to any bearer.
三郵政禮券：指中華郵政公司發行，並由其依面額對持有人無條件付款之無記名有價證券。
Article 5 Actions affecting the postal savings and remittance business of Chunghwa Post by legally incompetent persons or legally quasi-incompetent persons shall be deemed actions committed by competent persons.
第5條 無行為能力人或限制行為能力人，關於郵政儲金及匯兌事務，對中華郵政公司所為之行為，視為有行為能力人之行為。
Article 6 In order to verify the identity of a beneficiary, Chunghwa Post may ask to see identification.
第6條 中華郵政公司為確認取款人之真偽，得請其出示必要之證明。
Article 7 Accounting for the postal savings and remittances business managed by Chunghwa Post shall be handled independently.
第7條 中華郵政公司經營之郵政儲金匯兌業務，其會計帳務應獨立處理之。
Article 8 The postal savings and remittances business managed by Chunghwa Post, as well as all postal property and bills, receipts and other documents used to provide such services, shall be exempt from taxes for five years from the date Chunghwa Post is established.
第8條 中華郵政公司經營之郵政儲金匯兌業務及該業務使用之郵政公用物、業務單據，於中華郵政公司成立之日起五年內，免納一切稅捐。
Article 9 Interest rates for postal savings offered by Chunghwa Post shall be calculated per annum and posted in post office branches.
第9條 中華郵政公司辦理郵政儲金之利率，應以年率為準，並於營業場所揭示。
Article 10 Chunghwa Post shall establish an internal control and audit system for its postal savings and remittances businesses; the measures governing this system shall be drawn up by the MOTC and the MOF.
第10條 中華郵政公司辦理郵政儲金匯兌業務，應建立內部控制及稽核制度；其辦法，由交通部會同財政部定之。
Article 11 Unless by court order, or by written notice from the prosecutor’s office or as stipulated by law, Chunghwa Post may not entertain a request from a third party to stop a transaction of any account or make a payment for remittance.
第11條 中華郵政公司非依法院之裁判或檢察機關之書面通知或其他法律之規定，不得接受第三人有關停止帳戶交易活動或給付匯款之請求。
Unless stipulated by other laws or by the regulations of the MOF, Chunghwa Post and its employees shall keep confidential all information concerning the postal savings and remittances of its customers.
中華郵政公司及其服務人員對於顧客之郵政儲金或匯款等有關資料，除其他法律或財政部另有規定外，應保守秘密。
Article 12 In the event that Chunghwa Post has violated ordinances or regulations, or violated sound management practices in managing its postal savings and remittances business, the MOF may order the Company to make amends within a certain period of time. In addition, the MOF, depending on the seriousness of the offenses and after notifying the MOTC, may take the following actions as part of the penalties it imposes:
第12條 中華郵政公司辦理郵政儲金匯兌業務違反法令、章程或有礙健全經營時，財政部除得予以糾正、命其限期改善外，得視情節之輕重，為下列處分，並通知交通部：
1. Revoke resolutions reached at legal meetings.
一撤銷法定會議之決議。
2. Order Chunghwa Post to cease engaging in part of its postal savings and remittances operations.
二停止部分郵政儲金匯兌業務。
3. Order the removal or suspension from duties of those responsible for said malpractice.
三命令解除辦理該項郵政儲金匯兌業務之負責人或職員之職務或停止其於一定期間內執行職務。
4. Any other necessary measure.
四其他必要之處置。
In the event that Chunghwa Post has violated regulations concerning foreign exchange in managing its foreign exchange business, the Central Bank of China may, depending on the seriousness of the infraction and after notifying the MOTC, order Chunghwa Post to freeze part or all of its foreign exchange operations for a certain period of time.
中華郵政公司辦理外匯業務違反外匯法令之規定者，中央銀行得視情節之輕重，停止其一定期間經營全部或一部外匯之業務，並通知交通部。
Article 13 The MOF may, at any time, dispatch personnel or consign an appropriate agency (supplying them with proper papers of authorization) to inspect Chunghwa Post’s postal savings and remittance business, its financial status and other related matters. The MOF may also require Chunghwa Post to file financial statements, compile lists of its assets, or provide other relevant information or reports within a certain time.
第13條 財政部得隨時派員或委託適當機構，攜帶證明文件，檢查中華郵政公司之郵政儲金匯兌業務、財務及其他有關事項，或令中華郵政公司於限期內據實提報財務報告、財產目錄或其他有關資料及報告。
Article 14 When a depositor makes a first deposit, the branch office that receives it should (depending upon the type of deposit) issue a postal savings passbook or a receipt to the depositor as an evidential document.
第14條 郵政儲金初次存入時，由存入之郵局，按其種類分別發給郵政儲金簿或單據，作為憑證。
Article 15 In the event that the evidential document or seal is lost, the account holder is required to report the loss and file to halt payments with Chunghwa Post. Before these actions are formally completed, Chunghwa Post shall not be held responsible for any withdrawals taken from the account so long as it has acted in accordance with established procedures and has not been negligent in carrying out its responsibilities, even if a withdrawal has been made by an imposter.
第15條 儲戶提取存款之憑證或印鑑遺失時，應向中華郵政公司辦理掛失止付；在儲戶未辦妥掛失止付前，中華郵政公司對於依規定程序並已盡善良管理人注意義務所為之給付，縱係冒領，亦不負責任。
Article 16 The Negotiable Instruments Act shall apply to checks handled by Chunghwa Post in connection with its postal giro accounts.
第16條 中華郵政公司辦理劃撥儲金之劃撥支票業務，準用票據法有關支票之規定。
Article 17 Chunghwa Post may, after five years have elapsed since an account’s last transaction, stop payment of interest. The account holder should be duly notified.
第17條 儲戶逾五年無交易活動或未為其他申請，中華郵政公司自最後往來滿五年之日起，停止給息，並應通知該儲戶。
Article 18 Postal savings capital may be used in the following ways:
第18條 郵政儲金之運用範圍如下：
1. Redeposited with the Central Bank of China.
一轉存中央銀行。
2. Redeposited with financial institutions other than the Central Bank of China.
二轉存中央銀行以外之其他金融機構。
3. Invested in government bonds, corporate bonds, financial debentures and short-term bills and notes.
三投資公債、公司債、金融債券及短期票券。
4. Invested in beneficiary certificates as well as exchange-listed and over-the counter stocks.
四投資受益憑證及上市(櫃)股票。
5. Participation in the interbank call loan market.
五參與金融同業拆款市場。
6. Used as mid- and long-term capital for major government projects and government-approved private projects via deposits in other financial institutions.
六提供(中長期)資金轉存金融機構辦理政府核准之重大建設及民間投資計畫。
7. Any other method approved by the MOTC, MOF and CBC.
七其他經交通部、財政部及中央銀行核准者。
The MOTC, MOF and CBC shall jointly formulate measures concerning the upper limits of investment, investment objectives, as well as restrictions and management of other transactions involving subparagraph 3 of the preceding paragraph.
前項第三款之投資限額、對象及其他交易之限制及運用管理辦法，由交通部會同財政部及中央銀行定之。
The MOTC shall join the MOF in formulating the restrictions and management measures specified under subparagraph 4 of paragraph 1 hereof.
第一項第四款之限制及運用管理辦法，由交通部會同財政部定之。
Article 19 There is a limit of one passbook savings account per person or per civic body.
第19條 存簿儲金，每一人或每一團體僅得為一戶。
Subject to approval by the MOTC, MOF and CBC, Chunghwa Post may set an upper deposit limit for generating interest in passbook savings accounts. Total deposits in excess of the upper limit shall not generate interest.
存簿儲金，儲戶計息之最高存款限額，由中華郵政公司擬訂，報由交通部會同中央銀行及財政部定之；超過限額之數，不給利息。
This restriction shall not apply to government agencies, self-governing bodies or non-profit organizations.
前項限制，於政府機關、自治團體或公益法人，不適用之。
Article 20 Interest earned from a postal savings account shall be tax exempt.
第20條 存簿儲金之利息，應免一切稅捐。
Article 21 Domestic remittances and international remittances are divided into the categories of demand transfers and wire transfers.
第21條 國內匯兌及國際匯兌，分為票匯及電匯二種。
Apart from wire transfers, postal remittances should all come in the form of postal money orders or postal gift coupons.
郵政匯兌除電匯外，應以郵政匯票或郵政禮券為憑。
Subject to approval by the MOTC, Chunghwa Post may write terms and conditions to be printed on the postal money orders or postal gift coupons.
郵政匯票及郵政禮券應記載事項，由中華郵政公司擬訂，報交通部核定。
Article 22 The right to cash a postal money order, if not exercised, shall be extinguished three years from the date it is issued.
第22條 郵政匯票受款人之兌領請求權，自發票日起算，三年間不行使，因時效而消滅。
Article 23 In case a postal money order is not cashed on account of the foregoing Article, Chunghwa Post shall inform the remitter to take it back, and the remitter may not ask for a refund of the handling charge.
第23條 郵政匯票逾前條期間未經兌款者，中華郵政公司應通知匯款人領回，匯款人不得要求退還匯費。
Article 24 In case a postal money order is lost or damaged, the remitter or the payee may report the loss or return the damaged postal money order, and, in conjunction with the voiding of the original money order, receive a refund.
第24條 郵政匯票遺失或毀損，匯款人或受款人得申請掛失或繳回，並領回匯款，原匯票即予作廢。
Chunghwa Post shall refuse to accept applications mentioned in the preceding paragraph for postal money orders that have been cashed or refunded in accordance with the provisions set forth in the preceding paragraph.
郵政匯票業經兌領或已依前項領回匯款時，中華郵政公司應拒絕受理前項申請。
Article 25 Apart from the postal remittance protocol and its detailed regulations established by Universal Postal Union or the bilateral postal remittance agreements executed by the Republic of China and foreign counterparts, this Act shall govern the handling of international remittances.
第25條 國際匯兌之處理，除依萬國郵政聯盟所定郵政匯兌協定及其施行細則或我國與國外雙邊郵政匯兌協定辦理外，依本法之規定辦理。
Article 26 If Chunghwa Post is found to be remiss in any of the following ways, a fine of NT$300,000 to NT$1,500,000 shall be levied:
第26條 中華郵政公司有下列情事之一者，處新臺幣三十萬元以上一百五十萬元以下罰鍰：
1. The interest rate for postal savings is not set per annum or the rate is not posted in its business outlets in accordance with Article 9 hereof.
一郵政儲金利率未依第九條規定以年率為準或未於營業場所揭示。
2. It fails to establish an internal control and audit system in accordance with Article 10 hereof.
二未依第十條規定建立內部控制及稽核制度。
3. It violates paragraph 1 of Article 11 hereof when, as requested by a third party, it stops transactions for any account or effects remittance payments; or it violates paragraph 2 of Article 11 hereof by disclosing information about any customer’s postal savings accounts or remittance transactions.
三違反第十一條第一項規定，逕依第三人請求，而停止帳戶交易活動或給付匯款；或違反第十一條第二項規定，洩漏顧客之郵政儲金或匯款等有關資料。
4. Its utilization of postal savings capital fails to comply with the measures concerning restrictions over and management of such funds as specified under Article 18 hereof.
四郵政儲金之運用未依第十八條授權訂定之限制及運用管理辦法辦理。
5. Its management of the postal savings and remittance business fails to comply with the measures concerning supervision and management as specified under Article 30 hereof.
五郵政儲金及匯兌業務未依第三十條授權訂定之監督管理辦法辦理。
6. It handles foreign-exchange transactions without the authorization of CBC.
六未經中央銀行之許可而辦理外匯業務。
Article 27 When the MOF, in accordance with Article 13 hereof, dispatches its own inspector or consigns an appropriate agency to inspect Chunghwa Post’s business, financial status and other related matters, or instructs Chunghwa Post to provide a financial statement, list of assets, or other related information within certain time, Chunghwa Post shall be subject to a fine of NT$500,000 to NT$2,500,000 in the event that it is found to be remiss in any of the following ways:
第27條 中華郵政公司於財政部依第十三條規定，派員或委託適當機構，檢查業務、財務及其他有關事項，或令中華郵政公司於限期內據實提報財務報告、財產目錄或其他有關資料及報告時，有下列情事之一者，處中華郵政公司新臺幣五十萬元以上二百五十萬元以下罰鍰：
1. It shuns, impedes, or refuses attempts at inspection.
一規避、妨礙或拒絕檢查。
2. It conceals, damages or destroys account books related to its business or financial status.
二隱匿或毀損業務或財務狀況之帳冊文件。
3. It refuses to answer without proper cause or purposefully provides false information when inspectors ask about its duties.
三對檢查人員詢問其職務上之事項，無正當理由不為答復或故意答復不實。
4. It fails to meet the deadline for submitting a financial statement, list of assets or other related information, or submits false or incomplete reports, or fails to make payment for an inspection/audit within the given time limit.
四逾期提報財務報告、財產目錄或其他有關資料及報告，或提報不實、不全或未於規定期限內繳納查核費用。
Article 28 In the event that Chunghwa Post is fined under the preceding two Articles, it may claim compensation from person(s) responsible for the misdeed.
第28條 中華郵政公司依前二條規定受罰時，得對應負責之人求償。
Article 29 Fines as specified herein shall be levied by the MOF. Nonetheless, for fines specified under paragraph 6 of Article 26 hereof, the CBC shall have final authority.
第29條 本法所定之罰鍰，由財政部處罰之。但第二十六條第六款之處罰，由中央銀行為之。
The MOTC shall be duly informed of the foregoing fines levied by the MOF and CBC.
前項財政部及中央銀行所為之處罰，應通知交通部。
If Chunghwa Post fails to pay fines levied in accordance with this Act within the given time limit, it shall be subject to compulsory enforcement by law.
依本法所處之罰鍰，經限期繳納，屆期不繳納者，依法移送強制執行。
Article 30 The MOTC and MOF shall jointly formulate measures concerning the following: the supervision and management of the postal savings and remittances business that Chunghwa Post manages, the granting of permission to Chunghwa Post to add new lines of business, the disclosure of Chunghwa Post’s financial statement, the definition and qualifications of the person-in-charge, the addition of new post office branches, the moving and closing of post office branches, as well as other matters. Where the matter involves foreign exchange, the CBC shall join the MOTC and MOF in formulating methods and policies of supervision and management.
第30條 中華郵政公司辦理郵政儲金匯兌業務，其新增業務之許可、財務報表之揭露、負責人之定義與其應具備資格條件、郵局之增設、遷移與裁撤及其他相關等事項之監督管理辦法，由交通部會同財政部定之；其涉及外匯業務者，並應會同中央銀行定之。
Article 31 The date of enforcement for this Act shall be at the directive of the Executive Yuan.
第31條 本法施行日期，由行政院以命令定之。