根據《澳門組織章程》第三條第二款之規定，本人批准：
一九九九年一月二十七日簽署的世界貿易組織服務貿易總協定之第五份議定書。該議定書並由澳門總督於同日根據本人在一九九六年三月九日作出及刊登於同月九日《共和國公報》第二組副刊之批示核准。
一九九九年十月七日於貝倫宮
共和國總統 沈拜奧
Members of the World Trade Organization (hereinafter referred to as the «WTO») whose Schedules of Specific Commitments and Lists of Exemptions from Article II of the General Agreement on Trade in Services concerning financial services are annexed to this Protocol (hereinafter referred to as «Members concerned»),
Having carried out negotiations under the terms of the Second Decision on Financial Services adopted by the Council for Trade in Services on 21 July 1995 (S/L/9),
Agree as follows:
1. A Schedule of Specific Commitments and a List of Exemptions from Article II concerning financial services annexed to this Protocol relating to a Member shall, upon the entry into force of this Protocol for that Member, replace the financial services sections of the Schedule of Specific Commitments and the List of Article II Exemptions of that Member.
2. This Protocol shall be open for acceptance, by signature or otherwise by the Members concerned until 29 January 1999.
3. This Protocol shall enter into force on the 30th day following the date of its acceptance by all Members concerned. If by 30 January 1999 it has not been accepted by all Members concerned, those Members which have accepted it before that date may, within a period of 30 days thereafter, decide on its entry into force.
4. This Protocol shall be deposited with the Director-General of the WTO. The Director-General of the WTO shall promptly furnish to each Member of the WTO a certified copy of this Protocol and notifications of acceptances thereof pursuant to paragraph 3.
5. The Protocol shall be registered in accordance with the provisions of Article 102 of the Charter of the United Nations.
Done at Geneva this twenty-seventh day of February one thousand nine hundred and ninety-eight, in a single copy in English, French and Spanish languages, each text being authentic, except as otherwise provided for in respect of the Schedules annexed hereto.
Modes of supply: 1) Cross-border supply 2) Consumption abroad 3) Commercial presence 4) Presence of natural persons
| Sector or Sub-sector | Limitations on Market Access | Limitations on National Treatment | Additional Commitments |
| 7. FINANCIAL SERVICES | |||
| A. All Insurance and Insurance Related Services | |||
| (a) Life, accident and health insurance services, and
(b) Non-life insurance services. |
(1) Unbound | (1) None | |
| (2) None other than compulsory insurances, like third party liability in respect of vehicles and publicity and propaganda materials, employer’s liability in respect of employees, professional liability of travel agents, etc., must be purchased from insurers authorised to operate in Macau. | (2) None | ||
| (3) None other than under the Macau Insurance Companies Ordinance only a corporate
entity is permitted to conduct insurance business in Macau, after obtaining the
necessary licence.
Commercial presence may be in the form of a locally incorporated subsidiary, branch or representative office. However, a representative office is not permitted to carry on insurance business. |
(3) None other than the general-manager of the branch of an insurer incorporated overseas must be resident in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (c) Reinsurance and retrocession. | (1) None | (1) None | |
| (2) None | (2) None | ||
| (3) None other than under the Macau Insurance Companies Ordinance only a corporate
entity is permitted to conduct reinsurance business in Macau.
Commercial presence of reinsurers may be in the form of a locally incorporated subsidiary, branch or representative office. However, a representative office is not permitted to retain any portion of reinsurance premiums. |
(3) None other than the general-manager of the authorised reinsurer has to be resident in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (d) Services auxiliary to insurance (including broking and agency services). | (1) None other than insurance intermediaries (brokers, agents and salesmen) need to obtain licence prior to commencement of business. | (1) None other than individuals (agents and salesmen) must be residents in Macau. | |
| (2) None | (2) None | ||
| (3) None other than only a company can be permitted to act as a broker or a corporate agent. | (3) None other than the general-manager or representative of an overseas broker firm or of the corporate agent must be resident in Macau. | ||
| (4) None in relation to consultancy services, loss adjusters and other services which do not involve the selling of insurance or carrying on of insurance intermediary business. Unbound for other services in this subsector. | (4) None | ||
| B. Banking and Other Financial Services (excluding insurance) | |||
| (a) Acceptance of deposits and other repayable funds from the public. | (1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of branch or
subsidiary, duly authorised to carry on the activities of a banking institution.
Under the present Financial System Act of Macau, banks incorporated overseas may apply for a license to operate a full-licence or offshore licence branch or subsidiary. The present main authorization criterion is: Adequacy of the objectives of the applicant with the economic and financial policies pursued by the local government. A full-licence branch or subsidiary may apply for authorization to open sub-branches or branches and to install ATMs. Other than branch or subsidiary, a bank incorporated overseas may apply for a authorization to open a representative office. Such office is prohibited from taking deposits or from undertaking any kind of banking business. |
(3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the Financial System Act must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (b) Lending of all types, including inter aita, consumer credit, mortgage credit, factoring and financing of commercial transaction. | (1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of an authorised credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the Financial System Act must have at least 3 directors, two of whom must be resident in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (c) Financial leasing. | (1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of an authorised credit institution, or a locally incorporated financial leasing company. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least on alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas or a financial leasing company authorised under the Financial System Act must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (d) All payment and money transmission services. | (1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of: a) an authorised branch of a bank incorporated overseas or locally incorporated bank; b) an authorised locally incorporated cash remittance company. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau; c) a locally incorporated cash remittance company authorised under the FSA must have one general-manager resident in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (e) Guarantees and commitments. | (1) None | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of a branch or subsidiary, duly authorised to carry on the activities of a credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (f) Trading for own account or for account of
customers, whether on an exchange, in an over-the-counter market or
otherwise, the following:
— Money market instruments (cheques, bills, certificates of deposits, etc.) — Foreign exchange. — Derivative products, including but not limited to, futures and options. — Exchange rate and interest rate instruments, including products such as swaps, forward rate agreements, etc. — Transferable securities. — Other negotiable instruments and financial assets, including bullion. |
(1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of a branch or subsidiary, duly authorised to carry on the activities of a credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (g) Participation in issues of all kinds of securities, including under-writing and placement as agent (whether of service related to such issues publicly or privately) and provision of services related to such issues. | (1) None | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of a branch or subsidiary, duly authorised to carry on the activities of a credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (h) Money broking. | (1) None | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of a branch or subsidiary, duly authorised to carry on the activities of a credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (i) Asset management, such as cash or portfolio management, all forms of collective investment management, pension fund management, custodial, depository and trust services. | (1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of a branch or subsidiary, duly authorised to carry out the activities of a credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (j) Settlement and clearing services for financial assets, including securities, derivatives products, and other negotiable instruments. | (1) Unbound | (1) None | |
| (2) None | (2) None | ||
| (3) None other than that commercial presence must take the form of a branch or subsidiary, duly authorised to carry out the activities of a credit institution. | (3) None other than: a) a bank incorporated overseas authorised under the Financial System Act to open a branch must appoint a chief executive officer and at least one alternate CEO, each of whom must be resident in Macau; b) a subsidiary of a bank incorporated overseas authorised under the FSA must have at least 3 directors, two of whom must be residents in Macau. | ||
| (4) Unbound except for transfer of CEO, alternate CEO, directors, specialists and other staff who are not available in the local labour market. | (4) None | ||
| (k) Advisory and other auxiliary financial services on all the activities listed in 5(a) subparagraphs (v) to (xv), of the Annex on Financial Services, including credit reference and analysis, investment and portfolio research and advice, advice on acquisitions and on corporate restructuring and strategy. | (1) None | (1) None | |
| (2) None | (2) None | ||
| (3) None | (3) None | ||
| (4) None | (4) None | ||
| (l) Provision and transfer of financial information, and financial data processing and related software by providers of other financial services. | (1) None | (1) None | |
| (2) None | (2) None | ||
| (3) None | (3) None | ||
| (4) None | (4) None |
世界貿易組織（以下簡稱“世貿”）之成員，其特定承諾清單及服務貿易總協定第二條款有關金融服務之豁免清單隨附本議定書後（以下簡稱“有關成員”），
經進行由服務貿易委員會於一九九五年七月二十一日採納之有關金融服務之第二項決定所指之會談後，
各成員同意以下事項：
一. 隨附本議定書後關於一成員之一份特定承諾清單及一份有關第二條款金融服務之豁免清單，在本議定書對該成員開始生效時，將取替該成員原來於特定承諾清單及第二條款豁免清單中有關金融服務之章節。
二. 本議定書於一九九九年一月二十九日前公開予有關成員透過簽署或其他形式接納。
三. 本議定書於所有有關成員接納之日後第三十日開始生效，倘至一九九九年一月三十日仍未取得所有有關成員之接納，則在該日期前已接納之成員，可於其後三十日內決定其開始生效。
四. 本議定書將由世貿總裁保存，世貿總裁並將盡速將本議定書之一份認證副本送達世貿每一成員，並根據上述第三款之規定將相應之接納作出通知。
五. 本議定書將按照《聯合國憲章》第一百零二條之規定登記。
一九九八年二月二十七日於日內瓦以英文、法文及西班牙文簽訂唯一文本，除對附後清單之相反規定外，各文本具有同等效力。
（以英文本作準）
給付形式：1）跨境給付 2）於海外消費 3）商業形式出現 4）自然人形式出現
|
部門或次部門 |
進入市場之限制 | 國家處理之限制 | 附加 承諾 |
| A. 保險及與保險有關之服務 | |||
| （a）人壽保險、意外及疾病保險；以及 （b）非人壽保險 |
（1）無限制 | （1）無 | |
| （2）所有強制性保險，如汽車民事責任保險、工傷意外、旅行社職業責任等，應與獲許可於澳門從事業務之保險公司訂立。 | （2）無 | ||
| （3）所有於澳門保險活動法例訂明之保險類別。僅容許法人實體在取得適當許可後在澳門從事保險活動。 商業形式可以於本地成立之附屬機構、分行或代辦處形式出現。但代辦處不得從事保險活動。 |
（3）除總部設於外地之保險公司，其澳門分行之經理應於本地區居住外，並無限制。 | ||
| （4）除經理、代經理、董事、專家及其他不能在本地勞動市場聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （c）再保險及退還 | （1）無 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除按澳門保險活動法例規定，僅容許法人實體在澳門從事再保險業務外，並無限制。 再保險公司之商業形式可以於本地成立之附屬機構、分行或代辦處形式出現。但代辦處不得扣存再保險費。 |
（3）除獲准從事再保險業務之公司之總經理應在澳門居住外，並無限制。 | ||
| （4）除經理、代經理、董事、專家及其他不能在本地勞動市場聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （d）保險輔助服務（包括經紀及中介服務） | （1）除保險中介人（經紀人、代理人及推銷員）應於開始從事其業務前取得適當許可外，並無限制。 | （1）除自然人實體（代理人及推銷員）應為澳門居民外，並無限制。 | |
| （2）無 | （2）無 | ||
| （3）除僅容許法人機構從事以保險經紀人或代理人身份之業務外，並無限制。 | （3）除外地經紀人公司代辦處或法人代理人之經理或代表應在澳門居住外，並無限制。 | ||
| （4）有關顧問、專家及其他不涉及保險銷售或保險中介活動之服務。該次部門之其他服務並無限制。 | （4）無 | ||
| B. 銀行及其他金融服務部門（保險業除外） | |||
| （a）接受一般公眾存款或其他應償還之款項 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）惟以商業形式出現義務上須以分行或附屬機構之形式並經適當之授權許可方能從事銀行活動，此外並無限制。
按澳門金融體系法律制度，總行設於外地的銀行可以提呈申請在本地區開設具全面性或離岸準照之分行或附屬機構。 目前，許可批給之主要準則為： ■申請人之目標與本地區政府推行之經濟及金融政策相適應。 具全面性准照之分行或附屬機構可以申請許可開設分店，或分支行或自動櫃員機裝置。 除了分行或附屬機構外，總行設於外地之銀行可以申請許可設立代表處之辦事處，這形式下之機構不能吸納存款或履行任何銀行業務。 |
（3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （b）批給各種類型之信貸，包括消費信貸、私人住房信貸、承購應收帳款以及商業信貸 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除以申請商業形式出現應按許可信用機構之方式外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b）總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （c）融資租賃 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現須按許可信用機構，或在本地區建立金融租賃公司之方式外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構或金融租賃公司，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （d）海外金融服務的經營及結算 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按： a）總行設於外地之銀行分行許可方式； b）在本地區建立現金交付公司外，並無限制。 |
（3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b）總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者；c）現金交付公司，按金融體系法律制度之規定授予許可，應委任一名在澳門居住的總經理。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （e）金融保證及其他金融承諾 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按分行或附屬機構之形式並經適當授權許可而得從事銀行活動外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外並無限制。 | （4）無 | ||
| （f） 在貨幣或外匯市場，尤指在零售市場為本身或為客戶進行以下交易買賣： ■ 貨幣市場工具（支票、匯票、存款證明書等） ■ 兌換 ■ 衍生工具產品，尤指期貨及期權 ■ 兌換率及利率工具，包括掉期合約、外幣或利率定期合約 ■ 可轉讓有價證券 ■ 其他可交易工具及金融資產，包括黃金及白銀 |
（1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按分行或附屬機構之形式並經適當授權許可而得從事銀行活動外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （g） 參與發行各類有價證券，包括作為中介人協助訂購及募集（不論在向公眾或向私人發行亦言）以及為相關業務提供服務 | （1）無限制 | （1）無
|
|
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按分行或附屬機構之形式並經適當授權許可而得從事銀行活動外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （h）貨幣市場 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按分行或附屬機構之形式並經適當授權許可而得從事銀行活動外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經埋、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （i）資產管理，即如有價證券組合或現金帳目的管理，各類型共同投資管理服務，退休基金管理，保管服務，存款服務及信託服務 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按分行或附屬機構之形式並經適當授權許可而得從事銀行活動外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無 | ||
| （j）結算服務以及金融資產補償服務，包括有價證券，衍生工具以及其他可交易工具 | （1）無限制 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）除申請以商業形式出現應按分行或附屬機構之形式並經適當授權許可而得從事銀行活動外，並無限制。 | （3）除以下情況外並無限制：a）總行設於外地之銀行，按金融體系法律制度之規定授予許可而設立分行，應委任一名在澳門居住的總經理以及最少一名代總經理；b） 總行設於外地之銀行附屬機構，按金融體系法律制度之規定授予許可，應委任最少三名行政委員，當中兩名為在澳門居住者。 | ||
| （4）除總經理、副總經理、行政委員、專家及其他不能在本地勞動市場上聘到之員工等人之調動外，並無限制。 | （4）無
|
||
| （k）列於金融服務附表中第V至XV小段5（a）所述之所有附帶性以及其他輔助性金融服務，包括信用訊息及分析、投資項目、有價動產帳目、購置、重組及企業政策等調查及諮詢服務 | （1）無 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）無 | （3）無 | ||
| （4）無 | （4）無 | ||
| （l）金融訊息之匯集及轉移，金融數據處理以及其他金融服務供應者可利用之相關軟件處理 | （1）無 | （1）無 | |
| （2）無 | （2）無 | ||
| （3）無 | （3）無 | ||
| （4）無 | （4）無 |