COMPANIES ACT 2016 - Banking Corporation 《2016 年公司法》 - 银行机构
COMPANIES ACT 2016 (Act 777)
Banking Corporation
Definition
"Banking corporation" means a licensed bank, licensed investment bank, licensed Islamic bank, and licensed international Islamic bank.
A banking corporation refers to a financial institution that has been duly licensed under the applicable laws of Malaysia to carry on banking business.
For the purposes of the Companies Act 2016, the term includes:
- A licensed bank;
- A licensed investment bank;
- A licensed Islamic bank; and
- A licensed international Islamic bank.
1. Licensed Bank
A financial institution licensed to carry on conventional banking business, including accepting deposits, providing loans and financing, offering payment services, and other banking activities.
2. Licensed Investment Bank
A financial institution licensed to provide investment banking services, including corporate finance advisory, capital market activities, securities-related services, mergers and acquisitions advisory, and investment-related financing.
3. Licensed Islamic Bank
A financial institution licensed to conduct Islamic banking business in compliance with Shariah principles, offering products and services such as Islamic financing, Islamic deposits, and Islamic investment products.
4. Licensed International Islamic Bank
A financial institution licensed to carry on international Islamic banking business, primarily serving international clients and cross-border financial transactions in accordance with Shariah principles.
Banking corporations in Malaysia are generally regulated by Bank Negara Malaysia (BNM) and are required to comply with the applicable financial services legislation, including:
- Financial Services Act 2013 (FSA 2013); and
- Islamic Financial Services Act 2013 (IFSA 2013).
Importance
The definition of a banking corporation under the Companies Act 2016 identifies the categories of licensed financial institutions recognised for the purposes of the Act and ensures that only properly licensed banking institutions are accorded the rights, obligations, and regulatory treatment applicable under Malaysian company law.
《2016 年公司法》（第 777 号法令）
银行机构（Banking Corporation）
定义（Definition）
“银行机构”（Banking Corporation） 是指：
- 持牌银行（Licensed Bank）；
- 持牌投资银行（Licensed Investment Bank）；
- 持牌伊斯兰银行（Licensed Islamic Bank）；以及
- 持牌国际伊斯兰银行（Licensed International Islamic Bank）。
实务说明（Practical Explanation）
银行机构（Banking Corporation） 是指依据马来西亚相关法律正式获发牌照，可合法经营银行业务的金融机构。
就《2016 年公司法》而言，银行机构包括以下四类持牌金融机构：
- 持牌银行（Licensed Bank）；
- 持牌投资银行（Licensed Investment Bank）；
- 持牌伊斯兰银行（Licensed Islamic Bank）；以及
- 持牌国际伊斯兰银行（Licensed International Islamic Bank）。
上述机构均获授权依据马来西亚相关金融法例提供银行及金融服务。
银行机构的类别（Types of Banking Corporations）
1. 持牌银行（Licensed Bank）
持牌银行是指获准经营传统银行业务的金融机构，其主要业务包括：
- 接受存款（Accepting Deposits）；
- 提供贷款及融资（Providing Loans and Financing）；
- 提供支付及汇款服务（Offering Payment Services）；以及
- 提供其他商业银行服务（Other Banking Activities）。
2. 持牌投资银行（Licensed Investment Bank）
持牌投资银行是指获准经营投资银行业务的金融机构，其主要业务包括：
- 企业融资顾问服务（Corporate Finance Advisory）；
- 资本市场业务（Capital Market Activities）；
- 证券相关服务（Securities-Related Services）；
- 企业并购顾问服务（Mergers and Acquisitions Advisory）；以及
- 投资融资服务（Investment-Related Financing）。
3. 持牌伊斯兰银行（Licensed Islamic Bank）
持牌伊斯兰银行是指依据伊斯兰教法（Shariah Principles）经营银行业务的金融机构，其提供的产品及服务包括：
- 伊斯兰融资（Islamic Financing）；
- 伊斯兰存款（Islamic Deposits）；
- 伊斯兰投资产品（Islamic Investment Products）；以及
- 其他符合伊斯兰教法原则的金融服务。
4. 持牌国际伊斯兰银行（Licensed International Islamic Bank）
持牌国际伊斯兰银行是指获准经营国际伊斯兰银行业务的金融机构，主要服务对象包括：
- 国际客户（International Clients）；
- 跨境金融交易（Cross-Border Financial Transactions）；以及
- 其他符合伊斯兰教法原则的国际金融业务。
监管架构（Regulatory Framework）
马来西亚的银行机构一般由**马来西亚国家银行（Bank Negara Malaysia，简称 BNM）**负责监管，并须遵守相关金融服务法例，包括：
- 《2013 年金融服务法》（Financial Services Act 2013，简称 FSA 2013）；以及
- 《2013 年伊斯兰金融服务法》（Islamic Financial Services Act 2013，简称 IFSA 2013）。
重要性（Importance）
《2016 年公司法》对**银行机构（Banking Corporation）**作出定义，旨在明确界定哪些持牌金融机构属于该法令所认可的银行机构。
此定义确保只有依法取得银行牌照的金融机构，方可享有《2016 年公司法》赋予银行机构的相关权利、承担相应义务，并适用马来西亚公司法下有关银行机构的监管规定及法律待遇。
Jun 30,2026