Page 55 - 期货和衍生品行业监管动态（2025年11月）

期货和衍生品行业监管动态

可能构成提供金融建议。MAS 也将与金融机构合作实施“金融机构指南”，以

管理与数字广告（包括使用内容创作者）相关的风险。虽然“金融机构指南”将

于 2026 年 3 月生效，但 MAS 希望金融机构在此之前逐步落实，以期在生效日

期前完全符合规定。即使在“金融机构指南”生效之前，MAS 仍可能对未经许

可提供金融建议的内容创作者采取执法行动。

Written Reply to Parliamentary Question on Content Creators Providing

Unlicensed Financial Advice (2025/11/4)

Question

To ask the Prime Minister and Minister for Finance with regard to the

advisory letters from MAS to five content creators for providing unlicensed

financial advice (a) how does MAS ensure that past materials left accessible

online no longer carry the risk of misleading consumers of financial products,

and (b) what interim enforcement actions will MAS conduct before the

guidelines on responsible online financial content come into effect in March 2026.

Answer by Mr Gan Kim Yong, Deputy Prime Minister and Minister for Trade

and Industry, and Chairman of MAS:

The letters of advice that MAS issued to the five online content creators
informed them that their content and practices might have constituted provision of

financial advice, which requires an MAS licence. MAS found that they offered

one-on-one coaching on financial related matters. Such coaching may breach MAS’

regulations if they constituted recommendations to buy, sell or hold specific

investment products or tailored financial advice relating to an individual’s

circumstances.

The letters also contained advice for the content creators to adjust their content

and practices to avoid breaching MAS’ regulations. Letters of advice are issued when

no regulatory breaches have been established, but MAS has assessed that actions by

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