金融機構合併法

This law is enacted to regulate mergers of financial institutions and promote larger scale, broader scope, better operating efficiency, and an appropriate competitive environment.

Credit and insurance cooperatives must meet voting thresholds for a merger resolution, and if the members’ meeting makes the decision, they must notify non-representative members and set an objection period.

金融機構出售不良債權時，相關執行名義對受讓人仍有效；金融機構或其不良債權受讓人可委託經主管機關認可的公正第三人公開拍賣抵押不動產，拍賣餘款要返還債務人。

申請金融機構合併許可時，應向主管機關提出合併申請書並附上規定文件；若因合併而新設機構，發起人還要另行檢附文件申請設立許可。

Financial institutions approved for merger get registration and several tax reliefs, and the surviving/new institution may carry forward certain merger-related losses and tax incentives if the stated conditions are met.

金融機構在概括承受、概括讓與、分次讓與或讓與主要部分營業及資產負債時，通知債權讓與可以公告代替；承擔債務時不需要債權人承認，且部分民法規定不適用。

When a financial institution merges, reorganizes, or transfers under this Act, its employees’ rights are handled according to the Labor Standards Act.

This provision says the Act takes effect on the date it is promulgated.

金融機構合併依本法辦理；非公司組織的金融機構合併，除本法外，還適用企業併購法中關於股份有限公司合併的規定；若依其他法律由接管人或清理人辦理合併，則優先適用該其他法律的程序規定。

本法的主管機關是金融監督管理委員會。

This article defines several terms used in the law, including financial institutions, banking, securities and futures, insurance, merger, dissolved institution, continuing institution, and new institution.

金融機構合併時，擬合併機構要共同向主管機關申請許可；法律禁止兼營者不得合併。

主管機關在核准合併時，應考量指定的幾項因素。

金融機構合併後如果因合併而不符法令，主管機關應命其限期調整。

金融機構合併時，董事會或理事會要製作合併契約書，附上經查核簽證的財務報表和財產目錄，並送股東會或社員（代表）大會決議；契約書還要載明法定事項。

金融機構合併時，原則上要在決議後10日內公告合併決議內容及契約事項，並給相關人30日以上期間以書面提出異議；公告還要在營業處所及指定媒介持續刊登。