新加坡与中国深化金融合作新举措｜跨境合规指南
作者：东南亚合规中心编辑团队
TL;DR · 核心要点
新加坡金融管理局（MAS）与中国人民银行等机构联合宣布多项跨境金融合作新举措，聚焦绿色金融、数字货币桥、债券通扩容及监管沙盒互认。关键合规信息包括：1）中新建行须向MAS提交跨境支付与数字资产活动专项报备；2）参与‘多边央行数字货币桥’（mBridge）项目的金融机构需满足MAS《Technology Risk Management Guidelines》第5.3条安全认证要求；3）中新合资持牌金融机构适用双向监管信息共享机制，须每季度向MAS与央行同步报送反洗钱（AML）可疑交易报告。对企业实际影响：在新中两地开展跨境支付、绿色债券承销或CBDC相关业务的企业，需在2024年Q3前完成内部合规系统升级，并指定双地合规联络官。
✅ 合规行动清单 · Compliance Checklist
- ›向MAS提交跨境支付及数字资产服务活动书面报备，截止日期：2024年9月30日
- ›完成mBridge参与资格所需的MAS认可网络安全认证（依据TRMG第5.3条），2024年12月31日前
- ›为中新合资持牌机构指定双地合规联络官，并于2024年第三季度末前向MAS与中国人民银行同步备案
- ›Submit written notification to MAS on cross-border payment and digital asset service activities by 30 September 2024
- ›Obtain MAS-approved cybersecurity certification under TRMG Section 5.3 for mBridge participation by 31 December 2024
- ›Appoint and register a dual-jurisdiction compliance liaison officer with both MAS and PBOC by end-Q3 2024
English Summary
MAS and the People's Bank of China announced expanded financial cooperation initiatives, including mBridge integration, Green Bond Connect enhancements, regulatory sandbox mutual recognition, and cross-border AML/CFT information sharing. Key compliance requirements: (1) Financial institutions offering cross-border payment or digital asset services between Singapore and China must notify MAS by 30 September 2024; (2) Entities participating in mBridge must comply with MAS' Technology Risk Management Guidelines (TRMG) Section 5.3 and obtain MAS-approved cybersecurity certification; (3) Jointly licensed Sino-Singapore entities must submit quarterly consolidated AML/CFT reports to both MAS and PBOC. Affected parties include banks, payment service providers, green finance intermediaries, and fintech firms operating across both jurisdictions. No statutory effective date yet—implementation is phased through Q4 2024. Practical implications: Foreign businesses must appoint dual-jurisdiction compliance officers, upgrade KYC/AML systems to support real-time data sharing, and complete TRMG-aligned audits before year-end.
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