These regulations are based on the provisions of the Banking Law (the "Law"), Article 47-3, paragraph 2. 　

The term "service enterprise engaged in interbank credit information processing and exchange" as used in these regulations means an enterprise that either gathers credit information from financial institutions and/or enterprises related to financial institutions, or, having been authorized by the Competent Authority , gathers and processes various kinds of credit information with the object of duly providing it for access and use by financial institutions, interested parties, or other parties authorized by the Competent Authority. 　

A service enterprise engaged in interbank credit information processing and exchange shall be established only with the prior approval of the Competent Authority, and its operations shall be subject to supervision by the Competent Authority. 　

With the exception of enterprises authorized by the Competent Authority before these regulations took effect, enterprises engaged in interbank credit information processing and exchange shall be limited to those organized as a company limited by shares. The company shall have minimum paid-in capital of New Taiwan Dollars three billion five hundred million, and its shareholders shall be limited to banks and the government.