Page 41 - 期货和衍生品行业监管动态（2025年4月）

期货和衍生品行业监管动态

在上述具体案例中，该投资平台向客户重点推广了两项特别服务：第一，提

供账户限额内的即时赎回服务；第二，允许客户使用与标的投资价值挂钩的借记

卡进行消费。当这两项服务的使用量达到平台难以持续支持的程度时，平台停止

了这两项服务。

这些服务的条件和限制（包括平台调整或停止服务的权利）已在产品条款中

披露。但相关披露可能未能有效帮助客户充分理解产品特性。虽然产品功能不一

定需要监管批准，但现行法规要求机构实施稳健的风险管理和清晰的披露，特别

是在涉及公司运营的领域。MAS 正根据这些要求审查该具体案例，并更充分地

研究如何确保投资平台有效落实这些要求。

MAS 敦促客户在决定投资前充分了解金融产品的特性（包括关键条款和条

件）及风险。若对产品特性存在疑问，客户应就产品适用性寻求专业理财建议。

MAS也鼓励公众参考我们的理财知识网站MoneySense，了解更多投资注意事项。

Oral Reply to Parliamentary Questions on Ensuring Financial Institutions and

Fintech Companies Adopt Responsible Marketing Strategies (2025/4/8)

Questions

To ask the Prime Minister and Minister for Finance (a) how does MAS

ensure that financial technology platforms and non-bank financial institutions
offering high-yield investment products maintain sufficient liquidity and manage

fund withdrawal risks; (b) whether MAS is considering additional safeguards to

enhance consumer protection for retail investors engaging with such platforms,

given recent liquidity challenges faced by fintech firms; and (c) what measures

are in place to ensure that the public fully understands the risks of using

financial services from non-bank entities, particularly fintech platforms offering

investment-linked products.

To ask the Prime Minister and Minister for Finance (a) what steps is MAS

taking to ensure financial institutions and fintech companies (FIFCs) provide

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