On October 3, 2005, Kinmen and Matsu, with close cross-strait ties resulting from the "small three links" policy, began to exchange RMB following the Hong Kong model on a trial basis. RMB was primarily bought from HBSC and the Bank of America in Hong Kong via the Kinmen branch of the Bank of Taiwan.
2005 年 10 月 3 日，小三通來往密切的金門、馬祖開始試辦人民幣兌換業務，也是循香港模式，當時人民幣的貨源主要透過台銀金門分行向香港匯豐銀行和美國銀行購買。