Banking Sector

= Chinese         = Portuguese

* The English version is for reference only. The Chinese and Portuguese versions are the official versions.

** The laws/notices below are in Adobe Arcobat format (.pdf).

Main Regulations

 Macau Financial System Act
  (Decree-Law no. 32/93/M, 5 July 1993)

 

 

 Offshore Regime of Macau
  (Decree-Law no. 58/99/M, 18 October 1999)

 

 

 Finance Companies
  (Decree-Law no. 15/83/M, 26 February 1983)

 

 

 

Supplementary Rules And Regulations

 Rules on cash in hand and minimum liquidity requirements
  (Notice no. 006/93-AMCM, 27 August 1993)

 
 Establishment of the system of statistical returns
  (Notice no. 007/93-AMCM, 27 August 1993)		  
 Rules on installation of "Automated Teller Machines" (ATM)
  (Notice no. 008/93-AMCM, 27 August 1993)		  
 Rules on asset application by credit institutions incorporated overseas
  (Notice no. 010/93-AMCM, 27 August 1993)		  
 Criteria and methods adopted in the valuation of assets and liabilities
  (Notice no. 011/93-AMCM, 27 August 1993)		  
 Composition of own funds and their characteristics
  (Notice no. 012/93-AMCM, 27 August 1993)		  
 Determination of capital adequacy ratio
  (Notice no. 013/93-AMCM, 27 August 1993)		  
 Classification of loan portfolios and provisioning - Repeal notice no. 009/93-AMCM, 27 August 1993
  (Notice no. 018/93-AMCM, 27 August 1993)
 The internal control guideline for the authorised credit institutions
  (Circular no. 169/B/2002-DSB/AMCM)
 Change of address of Financial Intelligence Office
 (Letter no. 585/MC007-2007-DSB/AMCM)		  
 Updated format of "Suspicious Transaction Report"
 (Letter no. 652/MC007-2007-DSB/AMCM)
 -- Annex I: Suspicious Transaction Report

 Determination of Market Risk Adjusted Capital Adequacy Ratio
 (Notice no. 011/2007-AMCM, 27 November 2007)
 Guideline on Risk Management of Electronic Banking
 (Circular no. 003/B/2008-DSB/AMCM)
 Guideline on Management of Country Risk
 (Circular no. 008/B/2008-DSB/AMCM)		  
 Guideline on Management of Interest Rate Risk (Circular no.051/B/2008-DSB/AMCM)
 -- Appendix 1: Sources and Effects of Interest Rate Risk
 -- Appendix 2: Interest Rate Risk Return

 

  
 Guideline on Investment Management
 (Circular no. 052/B/2008-DSB/AMCM)		  
 Coverage and Operations of Full Deposit Guarantee Provided by the Macao SAR Government
 (Circular no. 020/B/2009-DSB/AMCM)
 AML/CFT Guidelines (Notice 010/2009-AMCM)
  - Anti-Money Laundering and Combating the Financing of Terrorism Guideline for Financial Institutions
  - Anti-Money Laundering and Combating the Financing of Terrorism Guideline on Cash Transactions
 





 AML/CFT Guidelines (Circular no. 031/B/2009-DSB/AMCM)
  - Annex 1 (Notice 010/2009-AMCM)
  - Annex 2 (Examples of Suspicious Transactions)
  - Annex 3 (Suspicious Transaction Report standard form)







 Guideline on Outsourcing
(Circular no. 032/B/2009-DSB/AMCM) 		 
 Guideline on Business Continuity Management
(Circular no. 033/B/2009-DSB/AMCM) 		 
Advancing Submission Deadline of Supervisory Returns
 (Notice no. 012/2009-AMCM, 27 August 2009)
 Guideline on Handling of Customer Complaints
  (Circular no. 040/B/2009-DSB/AMCM)