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 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3條 郵政儲金之種類如下：
Article 3 The categories of postal savings shall be as follows:
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。
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.
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。
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.
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。
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.
第4條 郵政匯兌之種類如下：
Article 4 The categories of postal remittances shall be as follows:
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。
1.
Domestic remittances: Members of the public may consign Chunghwa Post to make a remittance of a specific amount to a domestic 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。
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.
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 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 6 In order to verify the identity of a beneficiary, Chunghwa Post may ask to see identification.
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 7 Accounting for the postal savings and remittances business managed by Chunghwa Post shall be handled independently.
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 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 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。
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.
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。
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.
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：
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:
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。
3.
Order the removal or suspension from duties of those responsible for said malpractice.
四其他必要之處置。
4.
Any other necessary measure.
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。
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.
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 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 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 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 16 The Negotiable Instruments Act shall apply to checks handled by Chunghwa Post in connection with its postal giro accounts.
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 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.