中文摘要：
《金融时报》报道，越来越多富有的中国人正转向迪拜和阿布扎比设立家族办公室并申请长期居留身份，这反映了他们对新加坡日益严格的审查制度和移民门槛的不满。阿联酋10年“黄金签证”吸引了大量高净值人士，其中相当部分来自中国。标准渣打银行、Lighthouse Canton等机构表示，中国客户的咨询数量激增，尤其是资产介于5000万至2亿美元之间的中层富裕群体，他们更具创业精神，也感受到中国及香港的商业压力。与此同时，新加坡近年来加强对家族办公室、数字资产和移民背景的监管，导致审批率低至8.25%。专家指出，尽管迪拜的金融基础设施仍需时间追赶，但其低税率、监管宽松和稳定的政策环境正让其成为新的亚洲资本避风港。
全文（中英对照）:
Wealthy Chinese sidestep Singapore for Dubai
富裕中国人绕过新加坡转向迪拜
An increasing number of wealthy Chinese people are trying to set up family offices and secure residency in the Gulf, a reflection of growing frustration with the increased difficulty of establishing themselves in Singapore, long a popular destination for rich Asians.
越来越多的富裕中国人正尝试在海湾地区设立家族办公室并申请居留权，这反映了他们对新加坡设立身份日益困难的失望。长期以来，新加坡一直是亚洲富人首选的目的地。
Private bankers and advisers report a rise in interest in the Gulf as the Asian city-state tightens scrutiny of applicants.
随着新加坡加强对申请者的审查，私人银行家和顾问报告称，投资者对海湾地区的兴趣显著上升。
In the past year, there has been a surge in enquiries from Chinese nationals eager to relocate to Dubai and Abu Dhabi, according to advisers to the ultra-rich.
据高净值客户顾问透露，过去一年，中国公民希望迁往迪拜和阿布扎比的咨询量激增。
Setting up family offices can ease the process of securing citizenship or residency.
设立家族办公室有助于简化获取公民身份或长期居留的程序。
“They are attracted by the ability to get residency status and live and enjoy stability,” said Mike Tan, Standard Chartered’s Singapore-based global head of wealth planning.
标准渣打银行新加坡财富规划主管Mike Tan表示：“他们被能够获得居留权、享受稳定生活的机会所吸引。”
Tan said enquiries about Dubai from East Asian clients surged in the past year, though the bank declined to provide numbers.
Tan称，过去一年东亚客户对迪拜的咨询量激增，但该行未披露具体数字。
The UAE’s 10-year “golden visa” is very attractive and stable from a tax perspective, he added.
他补充道，阿联酋的10年“黄金签证”在税务上稳定且具有极高吸引力。
Authorities in the UAE issued nearly 80,000 golden visas in 2022, up sharply from 47,000 the previous year.
阿联酋政府2022年签发了近8万份黄金签证，较前一年的4.7万份大幅增加。
The number of family-related entities in Dubai’s offshore financial centre hit 1,000 by mid-2025, compared with 800 at the end of 2024 and 600 in 2023.
截至2025年中，迪拜离岸金融中心的家族类机构数量达1000家，而2024年底为800家、2023年底为600家。
Advisers say much of the rise can be attributed to Chinese individuals.
顾问表示，这一增长主要归因于中国客户的涌入。
“There is even a shortage of financial professionals who speak Chinese,” said Prashant Tandon, managing director of Lighthouse Canton UAE.
Lighthouse Canton阿联酋董事总经理Prashant Tandon称：“目前市场上甚至出现了会讲中文的金融专业人才短缺。”
Tandon said the largest movement was among those with assets between 200 million — “the mid-segment” of high-net-worth individuals who are more entrepreneurial and under pressure in China or Hong Kong.
Tandon指出，迁往阿联酋的主要群体是资产介于5000万至2亿美元之间的中层高净值人士，他们更具创业精神，同时感受到中国大陆或香港的经营压力。
“A lot of families have sold Singaporean real estate to reinvest in the UAE,” said Yann Mrazek, managing partner at M/HQ in Dubai.
迪拜M/HQ管理合伙人Yann Mrazek表示：“许多家庭已出售在新加坡的不动产，将资金重新投入阿联酋。”
Harsh Covid lockdowns in China and Singapore first triggered the shift to the Gulf.
中国和新加坡在疫情期间实施的严格封控，最早促使富人开始转向海湾地区。
“Singapore has restrictive immigration rules — it’s easy to set up a family office and get employment passes, but much harder to gain residency or citizenship,” said one adviser.
一位顾问指出：“新加坡的移民政策非常严格——设立家族办公室和获取就业准证相对容易，但拿到永久居留或公民身份却困难得多。”
The Singaporean government granted an annual average of 33,000 permanent residencies and 21,300 citizenships over the past five years, with approval rates as low as 8.25%.
新加坡政府过去五年平均每年批准3.3万个永久居留和2.13万项入籍申请，批准率低至8.25%。
A major money-laundering case involving Chinese nationals from Fujian province has led to greater scrutiny on applicants.
一起涉及中国福建籍富人的大型洗钱案促使新加坡加强了对资金来源的审查。
Meanwhile, crypto entrepreneurs from China are also turning to the Middle East.
与此同时，来自中国的加密货币创业者也正转向中东。
Dubai’s crypto regulator VARA has licensed 39 cryptocurrency companies, compared to 36 licensed by Singapore’s Monetary Authority.
迪拜的加密监管机构VARA目前已发放39张加密货币公司牌照，而新加坡金管局仅批准了36家。
“Chinese clients are looking at how friendly local regulators are. Singapore is becoming more risk-averse, while Dubai is more open,” said Kevin Teng, CEO of Wrise Private Singapore.
Wrise Private新加坡CEO Kevin Teng表示：“中国客户在意的是监管友好度。相比之下，新加坡更趋保守，而迪拜更加开放。”
Teng added: “Clients are increasingly going to the Middle East — that’s definitely a growing business segment for us.”
Teng补充道：“客户正越来越多地转向中东，这已成为我们业务增长最快的板块之一。”