新加坡：新加坡金融管理局（MAS）于周一（10月12日）宣布，金融机构未来只能在商业场所内的指定区域营销金融产品和服务，同时还将针对面向公众的推介活动采取其他强化保障措施。
SINGAPORE: Financial institutions will soon be able to market financial products and services only within designated areas at commercial premises, along with other enhanced safeguards for public prospecting activities, the Monetary Authority of Singapore (MAS) announced on Monday (Oct 12).
面向公众的推介活动包括在公共场所举办的路演，期间金融机构代表向公众推广金融产品和服务。
Public prospecting activities include roadshows in public places where representatives from financial institutions promote financial products and services to members of the public.
₂此类销售活动获准在金融机构可以租用或获得许可举办营销和分销活动的场所进行。这些场所包括展览厅、企业会议室以及商业建筑内的公共空间，但不包括人行道和步行区域以及住宅空间。
Such sales activities are allowed in venues where financial institutions can rent or get permission to hold marketing and distribution events. These include exhibition halls, corporate conference rooms and common spaces within commercial buildings, and exclude pedestrian walkways and areas, as well as residential spaces.
金管局表示，代表应在开始时明确告知消费者他们打算推广金融产品或服务，并在继续之前征得同意。
Representatives should clearly inform consumers at the start that they intend to promote financial products or services and get consent before proceeding, MAS said.
金管局还补充说，金融机构应指派具备适当资质的人员监督其代表在此类活动中的行为。
Financial institutions should also appoint suitably qualified individuals to monitor their representatives' conduct at such events, it added.
这些强化保障措施最初是在2023年的一项公众咨询中提出的，旨在提高面向公众推介活动的行为标准。
These enhanced safeguards were first proposed in a 2023 public consultation to improve standards of conduct in public prospecting activities.
金管局指出，如果此类活动开展不当，当人们遭受“主动或坚持不懈的推销”时，可能会引发对行为规范的担忧。
MAS noted that when conducted inappropriately, such activities may lead to concerns about conduct when people are subjected to "unsolicited or persistent solicitation".
在其公众咨询报告中，金管局补充说，他们收到消费者的投诉，称代表在公共场所接触消费者时，对自己的身份和意图“不够坦诚”。
In its public consultation report, MAS added that it receives consumer complaints that representatives are "not forthcoming" about their identities and intentions when engaging consumers in public places.
金管局表示：“虽然金管局不会要求金融机构记录消费者的口头同意，但金融机构应建立适当的机制，以核实其代表是否获得了此类同意。”
"While MAS will not require financial institutions to document consumers’ verbal consent, financial institutions should have appropriate mechanisms to check that their representatives obtain such consent," said MAS.
该局补充说，如果明确说明该活动将营销金融产品或服务，那么活动的预先登记可以构成消费者的同意。
It added that pre-registration for an event may constitute consent from the consumer if it was made clear that financial products or services will be marketed at the event.
此外，金管局将要求金融机构制定政策和程序，以确定“为营销和分销活动提供有利环境所需的适当空间大小”，并将面向公众的推介活动限制在划定活动空间半径5米以内。
In addition, MAS will require financial institutions to enact policies and procedures to determine an "appropriate amount of space needed to provide a conducive setting for marketing and distribution events" and restrict public prospecting activities to within a 5m radius of the demarcated event space.
与此同时，街头游说和上门推销将继续被禁止，因为它们“不是有利于客户互动的有效方法，因为这些活动往往是不请自来且出乎意料的”。
At the same time, street canvassing and door-to-door prospecting will remain prohibited as they are "not conducive methods of customer engagement, as these activities are often unsolicited and unexpected".
金管局资本市场助理董事总经理林汤利（Lim Tuang Lee）表示：“消费者在被接触了解金融产品和服务时，不应感到压力或措手不及。”
"Consumers should not feel pressured or caught off guard when approached about financial products and services," said MAS assistant managing director of capital markets Lim Tuang Lee.
“这些强化保障措施加强了面向公众推介活动的行为标准，有助于确保消费者受到公平和专业的对待，同时允许金融机构继续通过适当的渠道与消费者互动。”金管局未继续推进的其他提议在其报告中，金管局记录了其未继续推进的其他提议以及原因。
"These enhanced safeguards strengthen standards of conduct for public prospecting activities, helping to ensure that consumers are treated fairly and professionally while allowing financial institutions to continue engaging consumers through appropriate channels." OTHER PROPOSALS MAS DID NOT PROCEED WITH In its report, MAS documented the other proposals it is not proceeding with and the reasons why.
这包括一项旨在给予客户“充足时间”做出明智购买决定的提议。金管局指出，现有的犹豫期和退保期已经允许消费者如果想要重新考虑，可以在无罚金的情况下取消购买。
This includes a proposal to give customers "adequate time" to make informed purchase decisions. MAS noted that the current free-look and cancellation periods already allow consumers to cancel their purchase without penalty if they want to reconsider.
金管局还表示，不会禁止赠品优惠，因为它承认客户习惯于在营销和分销活动期间从金融机构接收有关赠品和促销优惠的信息。
MAS also said it will not prohibit gift offers as it acknowledged that customers are used to receiving information on gifts and promotional offers from financial institutions during marketing and distribution events.
该局指出，目前要求金融机构确保向客户提供的赠品详情不会以“不恰当”影响其购买决定的方式进行展示或推广。
It noted that financial institutions are currently required to ensure that details of gifts offered to customers are not displayed or promoted in a way that "inappropriately" influences their purchase decisions.
“金管局将专注于确保金融机构拥有适当的治理框架，以管理此类福利的负责任提供。”金管局表示，将于2027年发布更新后的指南，并将给予金融机构为期九个月的过渡期来实施这些强化保障措施。
"MAS will focus on ensuring that financial institutions have appropriate governance frameworks to manage the responsible offering of such benefits." MAS said it will issue the updated guidelines in 2027 and that financial institutions will be given a nine-month transition period to implement the enhanced safeguards.