新加坡网络交易监管体系的法律框架与技术实践研究

摘要：

【目的】深入分析新加坡在网络交易监管领域的法律法规、行政职能机构及典型技术实践案例，以揭示其“法律刚性+技术弹性”的监管模式特征与实施成效，并为探索适应数字经济发展的新型监管范式提供理论支持与实践参考。【方法】通过对新加坡网络交易相关法律法规（如《电子交易法》《支付服务法》等）系统梳理，以及对其行政职能机构的研究，结合具体技术实践案例，详细剖析了新加坡高效透明的网络交易监管体系的制度设计与运行机制。【结果】研究发现，新加坡通过一系列创新立法，包括但不限于《电子交易法》《支付服务法》，将电子交易、电商平台纳入监管范畴，有效填补了跨境支付、数据本地化等方面的制度空白，构建了一个既能保障安全又能促进创新的监管环境。【结论】新加坡在网络交易监管方面采取的措施展示了其作为全球数字金融治理先行者的地位。该国的经验表明，“法律刚性+技术弹性”的监管模式不仅有助于维护市场秩序和消费者权益，还能激发市场的活力与创造力，可为其他国家或地区在制定相关政策时提供了宝贵的理论依据与实际操作指南。

Abstract:

[Objective] This study aims to conduct an in-depth analysis of Singapore’s legal frameworks, administrative institutions, and typical technological practices in the field of online transaction regulation. It seeks to uncover the characteristics and implementation effectiveness of its regulatory model combining “legal rigidity and technological flexibility”, and to provide theoretical support and practical references for exploring new regulatory paradigms that adapt to the development of the digital economy. [Methods] By systematically reviewing key legislation such as the Electronic Transactions Act and the Payment Services Act, studying relevant administrative agencies, and analyzing specific technologydriven regulatory cases, this paper offers a detailed examination of the institutional design and operational mechanisms of Singapore’s efficient and transparent online transaction regulatory system. [Results] The research reveals that Singapore has effectively integrated e-commerce transactions and online platforms into its regulatory framework through innovative legislation, including the Electronic Transactions Act and the Payment Services Act. These measures have successfully addressed institutional gaps in areas such as cross-border payments and data localization, establishing a regulatory environment that balances security with innovation. [Conclusion] Singapore’s regulatory initiatives in online transactions demonstrate its role as a global leader in digital financial governance. Its experience shows that the “legal rigidity + technological flexibility” model not only helps maintain market order and protect consumer rights, but also stimulates market vitality and innovation. This approach provides valuable theoretical insights and practical guidance for other countries or regions in formulating related policies. 

引用格式：李佩仪，王全永，钟艾辛，等.新加坡网络交易监管体系的法律框架与技术实践研究[J].标准科学，2025(10):135-140.  

基金项目：本文受广西壮族自治区市场监督管理局科技计划项目“中国与东盟国家市场监管体系比较研究”（项目编号：GXSJKJ2024-8）资助。 

作者简介：李佩仪，硕士，工程师，研究方向为标准化。 王全永，通信作者，硕士，高级工程师，研究方向为标准化。