Main Regulations Chinese Portuguese English
Establishment of the system of statistical returns
(Notice no. 007/93-AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_07_93.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_av_07_93.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_07_93.pdf
Rules on asset application by credit institutions incorporated overseas
(Notice no. 010/93-AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_10_93.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_av_10_93.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_10_93.pdf
Composition of own funds and their characteristics
(Notice no. 012/93-AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_12_93.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_av_12_93.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_12_93.pdf
Calculation of Own Funds
(Circular no. 003/A/94-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_003_a_94_dsb_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_003_a_94_dsb_port.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_003_a_94_dsb_eng.pdf
Calculation of Own Funds
(Circular no. 003/A/95-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_003_a_95_dsb_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_003_a_95_dsb_port.pdf
The internal control guideline for the authorised credit institutions
(Circular no. 169/B/2002-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_cir_169_b_02.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_cir_169_b_02.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_cir_169_b_02.pdf
Guideline on Risk Management of Electronic Banking
(Circular no. 003/B/2008-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_03_2008.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_03_2008.pdf
Guideline on Management of Country Risk
(Circular no. 008/B/2008-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_08_2008.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_08_2008.pdf
Guideline on Management of Interest Rate Risk
(Circular no.051/B/2008-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_cir_051_b_08.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_cir_051_b_08.pdf
Appendix 1: Sources and Effects of Interest Rate Risk /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_cir_051_b_08_appendix1.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_cir_051_b_08_appendix1.pdf
Appendix 2: Interest Rate Risk Return /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_cir_051_b_08_appendix2.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_cir_051_b_08_appendix2.pdf
Guideline on Investment Management
(Circular no. 052/B/2008-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cn_cir_052_b_08.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_cir_052_b_08.pdf
Guideline on Outsourcing
(Circular no. 032/B/2009-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/outsourcing_chinese_final_version.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/outsourcing_portuguese_final_version.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/guideline_on_outsourcing_final_version_eng.pdf
Guideline on Business Continuity Management
(Circular no. 033/B/2009-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/business_continuity_chinese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/business_continuity_portuguese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/guideline_on_business_continuity_management_final_version_eng.pdf
Advancing Submission Deadline of Supervisory Returns
(Notice no. 012/2009-AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cn_av_12_2009.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_av_12_2009.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_12_2009.pdf
Guideline on Handling of Customer Complaints
(Circular no. 040/B/2009-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_40_2009.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_av_40_2009.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_40_2009.pdf
Guideline on Provision and Distribution of Financial Products
(Circular no. 033/B/2010-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/1_pdfsam_guideline_on_provision_and_distribution_of_financial_products_chi_20220909.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/1_pdfsam_guideline_on_provision_and_distribution_of_financial_products_eng_20220909.pdf
Supplementary to the Guideline on Provision and Distribution of Financial Products – Guidance for determining whether additional protective measures are required for persons aged 65 or above
(Circular no. 003/B/2022-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/003_b_2022_dsb_amcm_chn.pdf
Guideline on Residential Mortgage Loans
(Circular no. 035/B/2010-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_cir_035_b_2010.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/pt_cir_035_b_2010.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_cir_035_b_2010.pdf
Guideline on Management of Liquidity Risk
(Circular no. 003/B/2011-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/launch_version_liquidity_management_eng.pdf
Rules for cash in hand and minimum solvency
(Notice no. 002/2013-AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_002_2013_amcm_chin.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_002_2013_amcm_port.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_002_2013_amcm_eng.pdf
Expansion of Scope of Liquid Assets in “Rules for Cash in Hand and Minimum Solvency”
(Circular no. 008/B/2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_chi_008_b_2019_dsb_amcm.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_portuguese_008_b_2019_dsb_amcm.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_eng_008_b_2019_dsb_amcm.pdf
Expansion of Scope of Liquid Assets
(Circular no. 013/B/2021-DSB/AMCM) /files/013_b_2021_dsb_amcm_chinese.pdf
Requirements for Automatic Teller Machine (“ATM”) and Bank Card Security
(Circular no. 021/B/2013-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_021_b_2013_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_021_b_2013_eng.pdf
Guideline on the Appointment of External Auditors of Credit Institutions, Duties and Responsibilities of External Auditors and their Relationship with AMCM
(Circular no.016/B/2015-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_016_b_2015_eng.pdf
Solvency Ratio
(i.e. Capital Adequacy Ratio) (Notice no. 011/2015-AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/notice_no.011_2015_amcm_chi.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/notice_no.011_2015_amcm_port.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/notice_no.011_2015_amcm_eng.pdf
(Circular no. 028/B/2015-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_028_b_2015_dsb_amcm_chi.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_028_b_2015_dsb_amcm_eng.pdf
Risk Weighting for the Determination of the Capital Adequacy Ratio
(Circular no. 014/B/2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/014_b_2019_dsb_amcm_chinese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/014_b_2019_dsb_amcm_english.pdf
Risk Weighting for the Determination of the Capital Adequacy Ratio
(Circular no. 018/B/2020-DSB/AMCM) /files/dsb_rules_and_guideline/018_b_2020_dsb_amcm_chinese.pdf
Risk Weighting for the Determination of the Capital Adequacy Ratio
(Circular no. 013/B/2021-DSB/AMCM) /files/013_b_2021_dsb_amcm_chinese.pdf
Incident Reporting Measures for Major Emergencies
(Circular no. 012/B/2016-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_012_b_2016_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_012_b_2016_eng.pdf
Anti-Money Laundering and Combating the Financing of Terrorism Guideline 
Notice no. 008/2016-AMCM /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_008_2016.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_008_2016.pdf
Notice no. 014/2016-AMCM /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_014_2016.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_014_2016.pdf
Notice no. 006/2019-AMCM /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_006_2019.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aviso_006_2019.pdf
AML/CFT Guideline /files/banking_sector/rules_and_guideline/notices_and_guidelines/aml_cft_gudileine_chi_2019_final.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aml_cft_guideline_port_2019_final.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/aml_cft_gudileine_eng_2019_final.pdf
Examples of Suspicious Transactions /files/banking_sector/rules_and_guideline/notices_and_guidelines/ex_susp_trns_2016_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/ex_susp_trns_2016_port.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/ex_susp_trns_2016_eng.pdf
Industry Guidance on AML/CFT Controls (Supplementary to the AML/CFT Guideline) 
(Circular no. 022/B/2016-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_022_b_2016_dsb_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_022_b_2016_dsb_por.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_022_b_2016_dsb_eng.pdf
Further Tightening of Loan-to-Value Limits for Residential Mortgage Loans
(Circular no. 011/B/2017-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_011_b_2017_dsb_amcm_chinese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_011_b_2017_dsb_amcm_portuguese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_011_b_2017_dsb_amcm_english.pdf
Loan-to-Value (“LTV”) Limits for Eligible Young Adults who Qualify as First-time Homebuyers
(Circular no. 011/B/2018-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_011_b_2018_dsb_amcm_chinese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_011_b_2018_dsb_amcm_portuguese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/circular_011_b_2018_dsb_amcm_english.pdf
Nomination of Company Organ Member or Person with Management Mandate
(Letter no. 1675/MC007-2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/ch_av_1675_mc007.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_1675_mc007.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/en_av_1675_mc007.pdf
Standard Form /files/banking_sector/rules_and_guideline/notices_and_guidelines/nomination_form_article_48_version_2019.03_for_fis_use_1.docx /files/banking_sector/rules_and_guideline/notices_and_guidelines/nomination_form_article_48_version_2019.03_for_fis_use_1.docx /files/banking_sector/rules_and_guideline/notices_and_guidelines/nomination_form_article_48_version_2019.03_for_fis_use_1.docx
Nomination of AML/CFT Compliance Officer
(Letter no. 3360/MC014-2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_letter_3360_mc014_2019_aml_cft_co_nomination_form.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_letter_3360_mc014_2019_aml_cft_co_nomination_form.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/cir_letter_3360_mc014_2019_aml_cft_co_nomination_form.pdf
Standard Form /files/banking_sector/rules_and_guideline/notices_and_guidelines/nomination_of_aml_cft_compliance_officer_version_2019.05_for_fis_use.docx /files/banking_sector/rules_and_guideline/notices_and_guidelines/nomination_of_aml_cft_compliance_officer_version_2019.05_for_fis_use.docx /files/banking_sector/rules_and_guideline/notices_and_guidelines/nomination_of_aml_cft_compliance_officer_version_2019.05_for_fis_use.docx
Simplified Procedures for Sale of PRC Sovereign Bonds
(Circular no. 007/B/2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/007_b_2019_dsb_amcm_chinese.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/007_b_2019_dsb_amcm_pt.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/007_b_2019_dsb_amcm_english.pdf
Guideline on Management of Corporate Bond Issuance and Trading
(Circular no. 008/B/2021-DSB/AMCM ) /files/banking_sector/rules_and_guideline/notices_and_guidelines/008_b_2021_dsb_amcm_zh.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/008_b_2021_dsb_amcm_pt.pdf
Guideline on Underwriting and Custody of Corporate Bond
(Circular no. 009/B/2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/009_b_2019_dsb_amcm2_zh.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/009_b_2019_dsb_amcm2_pt.pdf
Industry Guidance on AML/CFT Controls – “Gaming-related” Customers
(Circular No. 011/B/2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/011_b_2019_dsb_amcm_industry_guidance_to_banks_overseas_gaming_activities_cn_revised.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/industry_guidance_to_banks_overseas_gaming_activities_english.pdf
Guideline on Cyber Resilience
(Circular no. 016/B/2019-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/016_b_2019_dsb_amcm_zh.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/016_b_2019_dsb_amcm_en.pdf
The installation of ATM facilities by credit institutions
(Notice no. 011/2020-AMCM) /files/ch_av_011_2020.pdf /files/pt_av_011_2020.pdf
Interpretation of Article 17 of the “Macao Financial System Act”
(Circular no. 014/B/2020-DSB/AMCM) /files/014_b_2020_dsb_amcm_chinese.pdf /files/014_b_2020_dsb_amcm_english.pdf
Guideline on Risk Management of Financial Leasing Business
(Circular No. 016/B/2020-DSB/AMCM) /files/016_b_2020_dsb_amcm_chinese.pdf
Provision and Distribution of Financial Products to Professional Investors
(Circular No. 001/B/2021-DSB/AMCM) /files/001_b_2021_dsb_amcm_chinese.pdf
Industry Guidance on AML/CFT Controls – Remote On-boarding of Customers
(Circular No. 004/B/2021-DSB/AMCM) /files/cir_004_b_2021_dsb_chn.pdf /files/cir_004_b_2021_dsb_eng.pdf
Implementation Rules for the Cross-boundary Wealth Management Connect in the Guangdong-Hong Kong-Macao Greater Bay Area
(Circular no. 012/B/2021-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/guideline_cross_boundary_wealth_management_connect_implementation.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/guideline_cross_boundary_wealth_management_connect_implementation_port.pdf
Offshore Renminbi (RMB) municipal government bonds issued by the Guangdong Provincial Government
(Circular no. 014/B/2021-DSB/AMCM) /files/014_b_2021_dsb_amcm_chinese.pdf
Requirements for the establishment of regulatory reserves
(Notice no.012/2021-AMCM) /files/012_202110_amcm_chinese.pdf /files/012_2021_amcm_portuguese.pdf
Guideline on Application of the Expected Credit Loss Model
(Circular no. 016/B/2021-DSB/AMCM) /files/016_b_2021_dsb_amcm_chinese.pdf
Guideline on Registration and Settlement of Debt Securities
(Circular no. 008/B/2022-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/008_b_2022_dsb_amcm_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/008_b_2022_dsb_amcm_eng.pdf
Guideline on Management and Operation of Private Investment Funds
(Circular no. 001/B/2022-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/001_b_2022_dsb_amcm_chn.pdf /files/banking_sector/rules_and_guideline/notices_and_guidelines/001_b_2022_dsb_amcm_pt.pdf
Guideline on Disclosure of Financial Information
(Circular no. 006/B/2022-DSB/AMCM) /files/banking_sector/rules_and_guideline/notices_and_guidelines/006_b_2022_dsb_amcm_eng.pdf

Last revision: 2022-09-09 15:41:46