新加坡是享誉国际的金融中心，不仅为其国内经济本身提供服务，而且还为整个亚太地区提供服务。银行业是该国金融市场领域的关键角色，很快就发展成为世界上最强大的行业之一。

一、银行业和新加坡主要参与者

Factors such as a sound economic and political environment, favorable laws and tax policies, an honest system and strict law enforcement--especially against money laundering--have made Singapore the second-largest international financial center in Asia (after Hong Kong). Today, as many as 117 foreign banks and 6 local banks dominate the banking industry.

Factors contributing to the success of Singapore's banking sector

1.开放本地银行市场。

2.本地银行通过并购加强了其区域性业务。

3.外资银行的扩张，其中一些使新加坡成为重要银行服务的区域乃至全球平台，进而提高了竞争力。

4.日益激烈的竞争刺激了创新产品和更具竞争力的定价模式的发展。

5.除了传统的借贷和存款功能外，还提供诸如公司和投资银行业务之类的完善的银行服务。

6.严格的银行保密法，税收优惠政策和一系列财富管理服务，造就了私人银行业的繁荣。瑞士巨人瑞士信贷集团（Credit Suisse Group）和瑞银（UBS AG）已扩大了新加坡的私人银行业务，以迎合亚洲人和欧洲人的新需求。

7.Recognizing and meeting the needs of SMEs that make up Singapore's sizeable banking market.

三、银行法规与立法

In Singapore, the regulations on banking are derived from relevant Acts passed by the Parliament (and its related subsidiary legislation), the common law, and the principles and rules of equity. Common law and the principles and rules of equity are derived from case law. These laws not only regulate Singapore's banking industry but also ensure that Singapore's banking legal framework keeps pace with the latest developments in the financial sector. Relevant regulations related to the banking industry include:

1.《银行法》 –《银行法》（第19章，2003年修订版）是管理新加坡商业银行的立法

2.《新加坡金融管理局法》（第186章，1999年修订版）–管辖与MAS及其运营有关的所有事项

3.反洗钱条例

4.付款和结算系统准则

5.证券和期货法

四、新加坡金融管理局的作用

In Singapore, the Monetary Authority of Singapore is the de facto central bank. It was established in 1971 to regulate Singapore's financial industry and spearhead its development into an international financial center. Its main function is to ensure the efficient and stable operation of the financial market in accordance with the national economic goals. MAS is responsible for the following work:

1.实施货币政策

2.银行系统主管

3.银行家到政府

4.银行的银行家

5.国际储备司司长

6.货币发行人

7.银行牌照发行人

8.最后贷款人

五、新加坡主要银行

1.主要本地银行

DBS（星展银行）成立于1968年，按资产衡量，被认为是新加坡和东南亚最大的银行。它是新加坡和香港的领先消费银行，2019年管理超过5790亿新元的资产。它还拥有新加坡最大的零售网络。被Euromoney评为2019世界及亚洲最佳银行。

OCBC（华侨银行）, the oldest Singapore bank, was established in 1932 by merging three local banks, the oldest of which was established in 1912. In terms of assets, it is now the second-largest financial service group in Southeast Asia and one of the highest-rated banks in the world—Moody's gives it an Aa1 rating. Overseas Chinese Bank is recognized as one of the 50 safest banks in global finance due to its strong financial strength and stability, and is rated as the best-managed bank in Singapore by The Asian Banker.

UOB（大华银行） 大华银行始建于1935年，目前已经成为亚洲银行业的翘楚，并在新加坡、马来西亚、印度尼西亚、泰国和中国设有附属银行。

2.主要外资银行

HSBC汇丰银行 在新加坡，香港上海汇丰银行有限公司于1877年12月首次开业。汇丰银行是新加坡政府证券市场认可的主要交易商和认可的债券中介机构（ABI）。它是QFB在Global Finance颁发的2006年Global Finance Awards中获得33项大奖。

Standard Chartered渣打银行 started its business in Singapore in 1859 and now has the largest international bank branch network in the Republic (at 20 branches). It is the second-largest consumer banking market of the Group and obtained the Qualified Full Bank (QFB) license in 1999. It is the largest foreign institutional custodian bank in Singapore and has remained among the best in Global Custodian's Agent Banks in Major Markets survey for seven consecutive years.

ABN-AMRO新加坡 现在由苏格兰皇家银行，桑坦德银行和荷兰政府所有。目前，它在全球的各种业务已与荷兰银行（ABN AMRO）分离，并根据每个所有者的计划进行整合。

Maybank马来亚银行 马来亚银行在新加坡的业务始于1960年，是一家获得全面许可的商业银行。马来亚银行目前是东盟五大银行之一，并且是新加坡合格全额银行。截至2008年6月，马来亚银行在新加坡的总资产达227亿新元。

BNP Paribas法国巴黎银行 has been at the forefront of Singapore's banking industry since 1968, and obtained its QFB license in 1999. Today, BNP Paribas Singapore has become the Group's regional hub investment bank and private bank in the corporate and commercial fields.

Citibank花旗银行 花旗银行（Citibank）是第一家在1902年在新加坡开设分行的美国银行。尽管零售银行业相对较晚，但该银行已成长为一个强大的市场参与者，在包括无抵押贷款，存款在内的关键业务中占有主要市场份额以及投资和抵押资产。花旗银行是最早在1999年获得合格银行（QFB）牌照的四家外资银行之一。