根据新加坡金融管理局（MAS）于10月7日发布的新规，各金融机构需对自身所使用的人工智能技术进行风险评估与管理，这其中也包含由第三方供应商提供的人工智能系统。
Among other expectations, financial institutions will be accountable for AI used in delivered services, including AI developed, operated or provided by third parties. SINGAPORE: Financial institutions will be expected to assess and manage risks from their use of artificial intelligence, including AI by third-party providers, under new guidelines issued by the Monetary Authority of Singapore (MAS) on Wednesday (Oct 7).
MAS强调，即便相关人工智能技术是由第三方开发、运营或提供，金融机构仍需对其在服务中的应用承担全部责任。
They also remain accountable for AI used in the services they provide even when the technology is developed, operated or supplied by a third party, MAS said.
该央行在新闻稿中指出：“金融机构应向第三方供应商获取充分的保障措施，评估其所提供的人工智能系统是否适合自身业务需求；若因实际限制或保障不足而存在风险，则须采取相应的弥补性控制措施。”
“Financial institutions should obtain sufficient assurance from third-party providers, assess whether third-party AI is suitable for their intended use, and apply compensating controls where practical constraints or assurance gaps arise,” the central bank said in a media release.
倘若经上述措施后风险仍超出机构的风险承受范围，则金融机构应考虑对第三方人工智能服务予以限制、暂停使用或予以替换。
If the risks still cannot be brought within the firm's risk appetite, it should consider limiting, suspending or replacing the third-party AI service.
这些新规将于2027年10月7日正式生效，各金融机构可分阶段实施，并须在2028年10月7日前完全满足各项要求。
The guidelines will take effect on Oct 7, 2027, with financial institutions allowed to implement them in phases and meet the full requirements by Oct 7, 2028.
新规要求金融机构既要从企业整体层面管控人工智能风险，也要针对具体应用场景实施风险管理；随着人工智能技术的广泛应用，金融机构还需持续提升相关管控能力。
Under the guidelines, financial institutions are expected to manage AI risks at both the enterprise level and for individual use cases, while building up their capabilities as their use of the technology expands.
具体而言，金融机构需明确自身的人工智能应用场景、建立相关清单、评估各场景下的风险水平，并在人工智能全生命周期内实施与之相匹配的控制措施。这些措施涵盖数据治理、系统测试、人工监督、网络安全、持续监测以及变更管理等内容。
They should identify their AI use, maintain inventories, assess the risk posed by individual use cases and put in place proportionate controls throughout the AI life cycle. These include data governance, testing, human oversight, cybersecurity, monitoring and change management.
MAS指出，随着人工智能技术的不断发展，尤其是具备自主运行能力且可调用各类工具的智能体式人工智能系统日益普及，相关控制措施也需定期予以更新完善。该机构计划于2027年向金融业界征询意见，以明确针对此类智能体式人工智能系统还需出台哪些指导性规范。
MAS said such controls should be reviewed regularly as AI use expands and the technology evolves, pointing to the growing use of agentic AI systems that can operate autonomously and access tools. The authority plans to consult the financial sector in 2027 on what additional guidance on agentic AI would be useful.
日益增长的AI风险 随着日益强大和自主的AI模型所带来的风险受到越来越多的审视，新指南应运而生。新加坡正在研究在AI高风险应用领域是否需要新的安全措施。
GROWING AI RISKS The new guidelines come amid growing scrutiny of the risks posed by increasingly capable and autonomous AI models. Singapore is studying whether new safety measures are needed in high-risk uses of AI.
数字发展及新闻部部长杨莉明上周表示，前沿AI公司现有的保障措施不足以应对日益强大的系统所带来的风险。
Minister for Digital Development and Information Josephine Teo said last week that safeguards put in place by frontier AI companies are insufficient to address the risks posed by increasingly capable systems.
金管局周三指出，AI技术发展迅速，并在金融服务领域以不断扩大的规模和日益复杂的方式被采用。
MAS noted on Wednesday that AI technologies are developing rapidly and being adopted in financial services with increasing scale and sophistication.
央行表示，这包括在生成输出、决策或执行行动方面具有更大自主权的AI模型和系统。
This includes AI models and systems with greater autonomy in generating outputs, decision-making, or executing actions, the central bank said.
新指南还要求董事会和高级管理层对AI风险提供有效监督，包括明确角色和责任、风险偏好及风险管理框架。
The new guidelines also require boards and senior management to provide effective oversight of AI risks, including by setting out clear roles and responsibilities, risk appetite and risk management frameworks.
不过，如果现有治理结构能提供充分的监督和跨职能协调，金融机构无需设立专门的AI委员会。该指南是在2025年11月的公众咨询后制定的。
Financial institutions will not, however, have to establish a dedicated AI committee if their existing governance structures provide adequate oversight and cross-functional coordination. The guidelines were established following a public consultation in November 2025.
金管局副总裁何贤心承认AI具有“巨大潜力”可改善金融服务，但指出金融机构需要了解并管理日益强大的AI系统带来的风险，才能可持续地获得这些收益。
MAS deputy managing director Ho Hern Shin acknowledged that AI has “significant potential” to improve financial services, but noted that financial institutions need to understand and manage the risks that come with increasingly capable AI systems to reap these benefits sustainably.
何贤心表示：“随着金融机构使用AI方面获得更清晰的监管指引，金融机构可以充满信心地创新，同时维护客户信任和新加坡金融体系的韧性。”
“With greater regulatory clarity on financial institutions’ AI usage, financial institutions can innovate with confidence, while maintaining the trust of customers and the resilience of Singapore's financial system,” said Ms Ho.
“金管局将继续与业界合作，以务实且立足行业的方式推进稳健的AI风险管理实践。”
“MAS will continue to work with the industry to advance sound AI risk management practices in a practical and industry-grounded manner.”