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Deposit Insurance System
  • Q1. What is deposit insurance?

    Deposit insurance is a kind of policy insurance that insured deposit-taking financial institutions (hereinafter referred to as insured institutions) take out from the Central Deposit Insurance Corporation (CDIC), for which they pay a premium. The depositors don’t need to pay any insurance premiums. If the insured institution has been ordered to close by the competent authority, CDIC will compensate each individual depositor for deposit up to the maximum coverage limit- NT$3 million, thereby protecting the depositors’ rights and interests and maintaining financial stability.

    Last updated 2015/03/16

  • Q2.  Why protecting the rights and interests of depositors is the first priority of deposit insurance system?

    Deposit-taking financial institutions differ from most industrial and commercial enterprises in that they depend mainly on depositors for their working capital. If a financial institution is unable to pay off its deposit liabilities due to operational problems or business failure, it may cause depositors’ great losses. Deposits come from their daily hardworking efforts and mostly serve for supporting their retirement lives. The government has therefore established the deposit insurance mechanism, under which CDIC is entrusted to provide statuary safeguards for small depositors so as to maintain financial and social order.

    Last updated 2015/03/16

  • Q3. How does deposit insurance maintain financial stability?

    Deposit-taking financial institutions play an important role in adjusting the supply and demand of market capital and promoting economic development. They accept deposits, which are a highly liquid form of short-term liabilities, yet most of their assets are tied up in long-term illiquid instruments. Financial institutions therefore have difficulties in realizing their assets in short term, when their business runs into problems, so depositors can lose confidence, and trigger a bank run. The limited liquidity of financial institutions also encourages a perception among depositors that making an early withdrawal is the only way to get their money back. This sentiment may exacerbate the bank run and also have a chain reaction that leads to runs on other banks as well. The government established the deposit insurance system by law to prevent this by providing guarantee of deposit repayment to the great majority of depositors. Furthermore, in accordance with financial supervision policy and the Deposit Insurance Act, the government is strengthening controls of insurance risk for insured institutions. In doing so the system also prevents systemic risk and ensures the stability of the financial system.

    Last updated 2015/03/16

  • Q4. Which organization manages the deposit insurance system?

    CDIC is a government-owned institution established on September 27, 1985, with capital jointly invested by the Ministry of Finance (MOF) and the Central Bank (the share rights held by MOF were transferred to the Financial Supervisory Commission in 2011 after approval from the Executive Yuan) as the only institution in Taiwan exclusively in charge of managing the deposit insurance system. It is a state-owned corporation. 
                                               
    Last updated 2015/03/16

  • Q5. How does deposit insurance differ from other types of insurance?

    (1) Different purpose: The purpose of deposit insurance is to protect the rights and interests of depositors, maintain credit order, and promote the sound development of the financial industry. It is designed to serve the public welfare with no profit-earning motive. Property and life insurance, on the other hand, are commercial types of insurance.
     
    (2) Different premium payers and beneficiaries: Under the deposit insurance system, insured institutions pay insurance premiums to CDIC, which uses these funds to protect the depositors of the insured institutions. The depositors don’t need to pay anything. If an insured institution goes out of business or is unable to pay its deposit liabilities, CDIC will reimburse the depositors of the failed institutions by law. The applicant (the insured institution) therefore is different from the beneficiaries (the depositors holding the deposits within coverage limit). With property and life insurance policies, the insured party has to pay the premium and can designate itself or another party as the beneficiary. When an insurance incident occurs, the insured party or beneficiary of a property or life insurance will claim compensation from the insurance company. The insured party can also be the beneficiary.                  
     
    (3) Different functions: With property and life insurance, claims are paid by the insurer after an insurance incident. Deposit insurance claims are also paid after an insurance incident. However, the deposit insurance system in Taiwan also takes active measures to keep such insurance incidents from occurring. When a financial institution experiences business problems or seriously financial deterioration, CDIC uses the Financial Early-Warning System and other off-site monitoring mechanism in coordination with competent authorities’ related financial supervisory measures, to thereby help the insured institution return to sound operations.
     
    (4) Different policy role: Deposit insurance also plays a policy role as part of the financial safety net. According to the Deposit Insurance Act, in addition to fulfilling deposit insurance responsibilities toward the insured institutions which are unable to perform their deposits payment obligations or deemed that they have to exit from the market in accordance with the Banking Law, the deposit insurance system helps the government to establish mechanisms for smoothly withdrawing problem financial institutions from the market in order to effectively prevent the occurrence of systemic risk.
     
    Last updated 2015/03/16

  • Q6. How can the public find out if a financial institution participates in the deposit insurance system?

    1.In order to help the public easily identify insured status, all insured institutions reviewed and approved by CDIC shall, according to the Deposit Insurance Act, prominently display at their places of business a large CDIC Membership sign stating that they are insured by CDIC.

    CDIC Membership Sign

    2.Depositors can contact CDIC at 0800-000-148 or the information can be accessed from the CDIC website at http://www.cdic.gov.tw.

     

    Last updated 2015/03/16

  • Q7. What is the coverage limit of deposit insurance?

    (1) According to provisions in paragraph 1, Article 13 of the Deposit Insurance Act, the maximum insurance coverage limit provided by CDIC for each depositor at insured institutions is determined by the competent authority (the Financial Supervisory Commission) in conjunction with the Ministry of Finance and Central Bank.
     
    (2) On January 1, 2011, the insurance coverage limit was increased to NT$3 million. The coverage limit is the maximum amount of principal and accrued interest for each depositor at each insured institution covered by the deposit insurance which coverage includes deposits both in New Taiwan dollars and foreign currencies. All payouts made by CDIC are paid in New Taiwan dollars. For employee pension accounts opened by organizations, business entities or groups at insured institutions, if the account records clearly distinguish the amount of each employee's pension deposits, and if the insured institution has paid deposit insurance premium for each account individually, the pension deposits of the individual employees and other deposits by such an employee at the same insured institution shall each receive additional coverage under the limit of NT$3 million.
     
    Last updated 2015/03/16

  • Q8. Which types of deposit are within scope of deposit insurance?

    According to Article 12 of the Deposit Insurance Act, deposit types eligible for deposit insurance coverage include local and foreign currencies within the territory of the Republic of China (Taiwan). 
     

    Coverage Scope of Deposit Insurance
    Eligible Deposits Ineligible Deposits
    • Checking deposits
    • Demand deposits
    • Time deposits
    • Deposits required by law to be deposited in certain financial institutions
    • Other deposits which the competent authority has approved as eligible
    • Negotiable certificates of deposits
    • Deposits from government agencies
    • Deposits from the Central Bank
    • Interbank deposits from financial institutions
    • Deposits from the domestic commercial banks or local branches of foreign banks’ offshore banking units (OBU)
    • Other deposits that the competent authority has approved as ineligible


    Last updated 2015/03/16

  • Q9. How are the employee retirement savings accounts of agency, business unit or organization at insured institutions protected by deposit insurance?

    The account records for the employee retirement savings accounts of agency, business unit or organization at insured institutions have to clearly distinguish each employee's retirement savings deposits. In additions, the insured institution pays a deposit insurance premium on each sub account and provides a ledger book record. Then the retirement deposits of individual employees and the other deposits of those employees at the same insured institution each receive the protection up to the maximum coverage limit.

    Last updated 2015/03/16

  • Q10. Are deposits at the branches of domestic banks in foreign countries or mainland China protected by the deposit insurance managed by CDIC?

    (1) Article 12 of the Deposit Insurance Act stipulates that deposit insurance covers "deposits within the territory of the Republic of China (Taiwan)." It does not include deposits received by the overseas banking units (OBUs) of banks.
    (2) Deposits received by the overseas branches of domestic banks in foreign countries or mainland China are not deposits within the territory of the Republic of China (Taiwan) and therefore are not covered by deposit insurance.

    Last updated 2015/03/16

  • Q11.  What types of depositors are protected by deposit insurance?

    The following types of depositors who hold or open a deposit account are covered by deposit insurance:
    1. Natural persons 
    2. legal entities 
    3. Sole proprietorship and partnerships 
    4. Inheritees
    5. Bankrupt or liquidated consortia
    6. Unincorporated groups or organizations 
    7.Various levels of government agencies and their subsidiary agencies (institutions). 
    8. Trust estates 
    9. Holders of electronic stored value cards issued by insured institutions.
    Last updated 2015/03/16

  • Q12. What is the deposit insurance protection for depositors who open a personal deposit account and a deposit account opened in the name of a sole proprietorship company at the same insured institution?

    (1) Individuals and sole proprietorship companies are both considered depositors under the deposit insurance system. Therefore accounts opened separately in the name of an individual and a sole proprietorship company are each separately covered by deposit insurance.
    (2) For example: If "John Smith" opens two deposit accounts at an insured institution under the names of "John Smith" and "John Smith Inc," each of the two deposit accounts is separately protected up to the maximum deposit insurance coverage limit.
    Last updated 2015/03/16

  • Q13. How does the deposit insurance protect the bank deposits of a deceased depositor?

    The deposits of a deceased depositor are protected by deposit insurance according to law under the name of the depositor (inheritee) until inheritance procedures are completed.

    Last updated 2015/03/16

  • Q14. How does deposit insurance protect the deposits of unincorporated groups or organizations?

    (1) In general, unincorporated groups or organizations are actually engaged in social activities and are usually formed by many people. They have an organization, name, objective, place of business or office. Moreover, they have designated a representative or manager to externally conduct their activities. However, they have not registered as a corporation. Examples of such entities include apartment building (community) management committees, guilds, clan associations, hometown associations, alumni associations, student associations, school clubs, etc.
    (2) It is a common practice for the deposit account of an unincorporated group or organization to be opened in the name of the entity with the name of the entity's person in charge (For example: "XX County Townsmen Association John Smith"). The deposits are protected by deposit insurance under the name of the unincorporated group or organization. If the entity's person in charge ("John Smith" in this example) has a personal deposit account, it is separately covered by deposit insurance and not aggregated with the entity's account. 
    Last updated 2015/03/16

  • Q15. Are the deposit accounts of various levels of government agencies or their subsidiary agencies (institutions) protected by deposit insurance?

    The general deposits held by various levels of government agencies and their subsidiary agencies (institutions) are, with the exception of government treasury deposits, protected by deposit insurance.

    Last updated 2015/03/16

  • Q16. Are trust property deposited at the insured institutions by a trustee protected by deposit insurance?

    (1) When a principal consigns assets to a trustee and forms a fiduciary relationship and the trustee deposits the trust estate in a deposit account at an insured institution, such deposits are covered by deposit insurance.
    (2) For example: "John Smith" signs a trust deed with a law firm and opens a deposit account under the name of "XX Lawyer Trustee John Smith Trust Property Account."

    Last updated 2015/03/16

  • Q17. How are trust property deposits protected by deposit insurance?

    (1) The separate trust property deposit accounts opened by a trustee are considered separate trust property deposits and therefore are each individually protected by deposit insurance. For example, if the Trust Department of Bank A (the trustee) establishes trusts with Principals A and B (the principals), respectively, and separately opens two deposit accounts (in the names: "Bank A Trust Property Account-Principal A" and "Bank A Trust Property Account-Principal B"), the two deposit accounts are each separately protected by deposit insurance.
    (2) In the above-mentioned situation, if accounts are aggregated and there are passbook deposits and time deposits, then the aggregated account will be protected by deposit insurance.

    (3) If the principals in the above example have other personal deposits, and those deposits are not aggregated with the trust property deposits, the two deposit accounts are separately protected by deposit insurance.

    Last updated 2015/03/16

  • Q18. What are electronic stored value cards issued by an insured institution? Are they covered by deposit insurance?

    (1) An electronic stored value cards issued by an insured institution is an electronic stored value cards using electronic, magnetic or optical means to store monetary value to pay for products and services provided by third parties other than the issuer and serve multiple payment purposes and which are issued by a CDIC insured institution.
    (2) Electronic stored value cards must be issued by a CDIC insured institution to be protected by deposit insurance. The issuer must also by law set aside a reserve in for money received in advance in connection with the electronic stored value cards issued. The amount of deposit insurance coverage is based on the balance of each electronic stored value card.

    (3) The currently popular co-branded EasyCard (a kind of electronic stored value cards for payment on public transport services) combining the functions of a credit card and EasyCard are jointly issued by CDIC insured institution and the EasyCard Corporation. The law requires EasyCard Corporation to hold the stored value balance in trust or obtain a bank's full performance bond (not the reserve set aside by the CDIC insured institution by law). Therefore, such funds in the EasyCard credit card are not covered by deposit insurance.

    Last updated 2015/03/16

  • Q19.  If two people, A and B, jointly open a deposit account, how is the coverage amount calculated? If the two people also have individual deposit account at the same insured institution, how is the coverage amount calculated?

    (1) CDIC handles deposit reimbursement for joint accounts opened by two or more people in a joint name (commonly known as a joint account) according to the following method:
    1. if joint account holder and insured institution stipulate in the deposit contract the deposit holding ratios of each joint account holder, reimbursement will be made according to the contractually agreed holding ratios;
    2. If the holding ratios are not stipulated in the contract, then the amount will be divided equally by the number of joint account holders and aggregated with the amount of the joint account holders' individual deposit accounts at the same insured institution.

    (2) For example: X and Y, open a joint account at Bank A and do not stipulate their respective holding ratios in the deposit contract. Furthermore, X and Y also have individual deposit accounts at Bank A. Bank A subsequently goes out of business. In the accounts of Bank A on its last business day, the amount of the X-Y joint deposit account (the total of principal and interest, same below) is NT$5 million; the amount of X's individual deposit account is NT$1.5 million; and the amount of Y's individual deposit account is NT$0.3 million. When handling reimbursement, CDIC divides the amount of the joint deposit account equally by the number of account holders: in this case NT$2.5 million for each X and Y, and aggregates this with the joint account holders individual deposits. In this scenario, X's deposits total NT$4 million and CDIC reimburses NT$3 million, while Y's deposits total NT$2.8 million and CDIC reimburses NT$2.8 million.

    (3) In this example, depositor X has an uninsured deposit amount of NT$1 million which is not reimbursed. Depositor X may receive a fund distributed from the receiver during the process of liquidating Bank A and the amount of funds depend on the asset disposition status.

    Unit: NT$10,000
    The coverage amount calculation example
    Deposit Account Deposit Balance on Closing Day Depositor A Reimbursement Amount Depositor B Reimbursement Amount
    Individual deposit account of A at Bank A 150 150  
    Individual deposit account of b at Bank A 30   30
    Non-contractually stipulated holding ratio of A and B in joint account (equal distribution) 500 250 250
    Account Total   400 280
    CDIC reimbursement amount   300 280
    Amount of creditor's rights included in liquidation   100  

     

    Last updated 2015/03/16

     

  • Q20. Is the principal received from a structured product offered by a bank considered a deposit? Are other financial products, such as gold, mutual fund, equity stock or other investment-linked products covered by deposit insurance?

    (1) The principal received from a structured product offered by a bank, whether or not the principal is fully or partially guaranteed, is not considered a deposit and is not protected by deposit insurance.
    (2) Deposit insurance covers "deposits" at insured institutions. Other financial products, such as gold, mutual fund, equity stock or other investment-linked products, whether or not they are advertised as principal guaranteed products, are not considered deposits and are not protected by deposit insurance.

    Last updated 2015/03/16

  • Q21. If an insured institution is ordered by the competent authority to cease doing business, what insurance obligations does CDIC Taiwan have to do to the depositors of that institution?

    When an insured institution is ordered to close by the competent authority or the central competent authority of the agricultural finance, CDIC shall fulfill its insurance responsibilities by any of the following methods:
    (1) Make payout by cash, remittance, transfer or other payment methods to reimburse depositors of the failed institution (cash payout).
    (2) Consult with other insured institutions to make payout on behalf of CDIC (deposit transfer).
    (3) Facilitate other insured institutions or financial holding companies to acquire or assume all or part of the businesses, assets and liabilities of the closed insured institutions.
    The estimated cost to CDIC of carrying out the measures outlined in Paragraph 2 or 3 above shall be less than the estimated loss arising from the payout subject to Paragraph 1.
     
    Last updated 2015/03/16

  • Q22. In executing its insurance obligations, do depositors have to calculate the reimbursement amount? How does CDIC Taiwan calculate the amount reimbursed to depositors?

    (1) While an insured institution is ordered to close its business, depositors don’t need to calculate payout amounts by themselves, it is the CDIC who has to send the deposit payout related information to depositors by post mail or email.

    (2) When CDIC fulfills its insurance obligations through cash payout or deposit transfer, the amount reimbursed to each depositor shall be calculated based on the amount of insured principal and interest recorded in the account on the last business day of the closed insured institution, after aggregating accounts for all of the deposits (including foreign currency) and other creditor rights and liabilities of the depositor, up to a maximum coverage of NT$3 million. However, if a depositor has liabilities created by deposits pledged as collateral of the closed insured institution or liabilities reaching due or deemed to be due according to the applicable agreements, or liabilities fit to be offset in accordance with other laws and regulations, CDIC may offset the claims of depositors of a closed insured institution according to the following order before handling any payout according to the above mentioned method of calculating the reimbursement amount.

    (3) In aggregating accounts as mentioned above, if the head office and branch (or internal unit) of a depositor both have deposit accounts at a closed insured institution, the reimbursement amount shall be calculated based on the consolidated deposit accounts of the branch (or internal unit) and main office.

    (4) If the creditor's rights and debts of a depositor and debts are denominated in foreign currency, such funds shall be calculated in New Taiwan dollars based on the exchange rate on the last business day of the closed insured institution.

    (5) When CDIC successfully encourages another institution to acquire or assume closed insured institutions, and if the transaction scope of the acquisition extends to all operations, assets and liabilities, then the depositor rights and interests do not change and the acquiring institution will continue to handle all follow-up deposit and other businesses. If the transaction scope only extends to a part of the operations, assets and liabilities, then the deposit amounts assumed by the acquiring institution shall, at the very least, be calculated according to the aforementioned method.

    (6) For example: Company X is a depositor of Bank A. Bank A has been ordered to close and CDIC is carrying out a cash payout. Based on the account records of Bank A on its last business day, Company X (the Parent) has principal and interest on time deposits at Branch a of Bank A totaling NT$10 million; overdue loans or unpaid loans meeting offset conditions amounting to NT$6 million; and an NT$8 million pledge with Bank A collateralized by a certificate of deposit. Company X's subsidiary has a foreign currency deposit account at Branch b of Bank A with the conversion equivalent of NT$5 million in principal and interest. When CDIC calculates the payout amount for Company X, at first it aggregates the creditor's rights and liabilities of Company X in both the Parent and the Subsidiary. The deposit amounts total NT$15 million, while the liabilities total NT$14 million. Then, CDIC offsets the NT$8 million pledge from the NT$10 million time deposit, leaving NT$2 million plus a foreign currency amount of NT$5 million. At last, from this total NT$7 million deposit amount, the NT$6 million in overdue liabilities is eliminated, leaving an offset deposit amount of NT$1 million. CDIC therefore should reimburse NT$1 million.

    Unit: NT$10,000

    Reimbursement amount calculation example
      Branch a of Bank A Branch b of Bank A
    Company X (the Parent) deposit principal and interest 1,000  
    Company X (Subsidiary) deposit principal and interest   500
    Company X (the Parent) loan (time deposit pledged as collateral) 800  
    Company X (the Parent) overdue loan amount 600  
    Aggregated creditor's right of Company X (the Parent and the Subsidiary) 1,500
    Aggregated liabilities of Company X (the Parent and the Subsidiary) 1,400
    Offset amount(1,000-800)+500-600 100
    CDIC payout amount 100


    Last updated 2015/03/16

  • Q23. What is the amount of deposit insurance coverage for depositor who deposits in an insured institution that have been assumed by other institution?

    When a failed insured institution is acquired by another financial institution in the course of CDIC's fulfillment of insurance obligations under the Deposit Insurance Act, the deposits of depositors at the failed insured institutions are generally assumed by the acquiring or assuming institution and become deposits at the institution. If a depositor originally has other deposits at the acquiring or assuming institution, the two accounts are aggregated by CDIC and covered by deposit insurance up to the maximum coverage limit of NT$3 million. 
    Last updated 2015/03/16

  • Q24. If the insured status of an insured institution is terminated, are the deposits of the institution's depositors still protected?

    If the insured status of an insured institution is terminated by CDIC Taiwan, the deposits of its depositors are still protected against the occurrence of insurance incidents for up to half a year from the day that the insured status of the institution ends. The amount of insured deposits is calculated as the lowest deposit amount at the end of the business day between the period of contract termination and the final business day of the institution, up to a limit of NT$3 million. Deposits in the institution are no longer protected by CDIC Taiwan after one half year from the date of agreement termination.
     
    Last updated 2015/03/16

  • Q25. Which deposit accounts opened in the name of a farmers’ or fishermen’s associations or their internal business units are insured deposits? Which are uninsured deposits?

    Insured and uninsured deposits of a farmers' or fishermen's association

    Insured Deposits Description
    • Hog fund accounts
    • Corn fund accounts
    • Distribution and sales fund accounts
    • Production and marketing team deposits
    • Home economics team deposits
    • Business team deposits
    • Research team deposits
    • Operations team deposits
    • Subsidy (allowance) fund accounts: Government subsidies to farmers and fishermen through farmers' and fishermen's associations
    • The deposit accounts listed to the left are not deposits of farmers' and fishermen's associations. If an account is opened in the name and the uniform invoice number of a farmers' or fishermen's association, this shall be recorded by its uniform invoice number with an identifier (or serial number) or other method to differentiate such funds from the deposits of the farmers' or fishermen's associations. Moreover, each deposit account shall be independently aggregated for deposit insurance premium calculation and payment and covered by deposit insurance up to the maximum insurance coverage limit of NT$3 million.
    • The deposit accounts listed to the left are not deposits of farmers' and fishermen's associations. If an account is opened in the name of a representative team member (an individual farmer or fisherman), the account shall be independently aggregated for premium calculation and payment and covered by deposit insurance up to the maximum insurance coverage limit of NT$3 million.
    Uninsured Deposits Description
    • Public welfare funds
    • Promotion funds
    • Insurance funds
    • Employee skipped meal (lunch) fees
    • Fertilizer accounts
    • Pesticide accounts
    • Acquisition accounts
    • Accounts of affiliated units of farmers' and fishermen's associations
    • Subsidy (allowance) fund accounts - Government subsidies to farmers' and fishermen's associations
    • Commissioned acquisition accounts
    • Collection account deposits
    If a farmers' or fishermen's associations establishes deposit accounts related to handle commissioned acquisition accounts and collection account deposits (i.e. an account is opened in the name of a farmers' or fishermen's association), such deposits are excluded from coverage under paragraph 2, Article 12 of the Deposit Insurance Act.
    Note: This classification table is from the resolution of the meeting of the Bureau of Agricultural Finance, Council of Agriculture in November 17, 2009 (document Nong-jin-er-zi No. 0985070959) on the "Study of the Feasibility of the Account Opening Practice of Appending an Identifier or Serial Number to Farmers' and Fishermen's Association Deposit Accounts that are Insured Deposits in Nature.

     

    Last updated 2015/03/16

  • Q26. Where can depositors get information on the operations of insured institutions?

    (1) Under the Banking Act, the competent authority currently requires financial institutions to regularly disclose its financial and business conditions. Financial and business information for individual insured institutions can be accessed by the public from the institution's external website and public disclosed information.
    (2) To assist depositors obtain important financial information on insured institutions, CDIC also provides links on its website to competent authorities and the financial disclosure links of insured institutions. (From the Chinese version of the CDIC website http://www.cdic.gov.tw click the "承保風險管理動態" or "要保機構" links).
    Last updated 2015/03/16

  • Q27. Does CDIC conduct financial inspections of insured institutions?

    CDIC's powers of general financial inspection of insured institution were transferred to the Financial Supervisory Commission after the commission's establishment in 2004. In accordance with Article 24 of the Deposit Insurance Act Article 24, CDIC currently conducts statutory special inspections related to deposit insurance operations at insured institutions.

    Last updated 2015/03/16

  • Q28. What is the legal basis for CDIC to conduct deposit insurance operations? Where can the public learn about laws and regulations related to deposit insurance?

    (1) CDIC performs deposit insurance operations in accordance with the Deposit Insurance Act, its enforcement regulations and other related laws.

    (2) Laws and regulations related to deposit insurance can be accessed from the "Laws & Regulations" section of the CDIC website (http://www.cdic.gov.tw). Further information is also available from the site's Q&A section. 

    Last updated 2015/03/16

  • Q29. How can the public contact CDIC about questions and suggestions regarding deposit insurance?

    (1) For quick answers to your questions, call our toll-free service line and interactive automated voice response system at: 0800-000-148
    (2) Information on the deposit insurance system can be accessed from the CDIC website at: http://www.cdic.gov.tw
     
    Last updated 2015/03/16