<p>香港的持牌放贷机构将从八月开始面临严格的新规，包括对低收入者的债务偿还比率上限和全面禁止使用贷款推荐人——立法者表示，这一举措应能减少债务催收者的骚扰。立法者还在周六表示，财政事务及库务局所列出的措施将有助于阻止大多数非法贷款，而一位立法者呼吁对放贷行业进行进一步的监管。该局在周五发布的咨询结论报告中表示，政府将分两个阶段推出监管措施，以保护公众利益。在第一阶段，从八月一日开始，月收入为港币 6,000 元（约合 766 美元）或以下的借款人的月还款额将被限制在其收入的 35% 以内，而收入在港币 6,001 元至 12,000 元之间的借款人则面临 40% 的上限。报告中的官方数据显示，“过度借贷” 在低收入者和外籍家庭佣工中变得 “尤为严重”，一些人在雇佣合同结束前借取巨额贷款后便消失。文件指出，这种做法使雇主面临债务催收者的骚扰，试图收回未偿还的贷款，突显了当前放贷框架中的重大脆弱性。“政府致力于进一步加强对放贷机构的监管，以保护公众利益，” 一位局发言人表示。“我们很高兴地注意到，社区对加强放贷机构监管的支持非常强烈，并一致认为应采取针对性措施来解决过度借贷的问题。” 根据现行制度，借款人可以轻松获得无担保个人贷款，因为许多放贷机构在申请人未认真评估其还款能力时提供 “简单高效的审批流程”，报告称。文件补充说，这种便利性常常导致借款人承担无法偿还的沉重债务，导致截至 2024 年底，港币 472 亿的无担保个人贷款的平均违约率达到 9.3%。报告指出：“作为国际金融中心，香港必须拥有健全的金融服务监管框架。” 该局表示，在 2027 年 6 月 1 日开始的第二阶段，所有从事无担保个人贷款业务的放贷机构都必须每 30 天向信用数据智能平台提交借款人的个人信用信息。报告补充说，未担保个人贷款总额达到港币 5000 万元或以上的放贷机构，或向月收入低于港币 12,000 元的借款人放贷的机构，必须加入信用数据智能平台，以获取个人信用信息进行贷款评估。信用参考平台于 2022 年推出，旨在支持信用数据智能，支持在放贷机构与消费者信用参考机构之间以加密形式传输消费者信用信息。该平台由香港银行间结算有限公司的子公司运营。报告称：“这将准确应对无担保个人贷款相关的风险，同时减少放贷机构的合规负担。” 政府一直积极鼓励放贷行业参与信用数据智能，以帮助贷款机构在批准贷款申请前进行详细的风险评估。该局表示，它参考了新加坡等其他地区的监管安排，新加坡根据个人的年收入设定了严格的借贷上限。文件详细说明，年收入低于新加坡元 10,000 元（约合 7,806 美元）的非新加坡人，在所有放贷机构的最大贷款金额限制为新加坡元 500 元，而英国、澳大利亚和新西兰等国目前对无担保个人贷款没有法定上限。报告称：“政府致力于在包容性金融与风险管理之间取得平衡，以创造一个公平、透明和可持续的放贷市场环境，从而促使放贷机构更负责任地发放贷款。” 立法者 Johnny Ng Kit-chong 表示，他预计新规将 “有效拦截” 大多数非法贷款，同时减少债务催收者的骚扰。但他对新规可能迫使一些家庭佣工转向无牌放贷机构表示担忧，这可能导致更激进的债务催收方式。“无论如何，政府应加大力度开展多语言宣传活动，针对外籍家庭工人社区，提醒他们盲目借贷的风险，” Ng 说。由于月收入低，香港的家庭佣工长期以来一直成为掠夺性放贷的目标。立法者 Bill Tang Ka-piu 同意新措施 “足以” 解决与家庭佣工相关的贷款问题，但他补充说，这并不是唯一需要解决的问题。他表示，政府还应审查经营放贷公司的资格要求，并应设定贷款的较低利率上限。“我希望第二阶段能有一个更具体的时间表，以进行更全面和深入的改革，” 他说。</p>

南方一倍看空恒指

南方恒生指数ETF

南方两倍看空恒指

南方恒指ETF

恒生指数

恒生综合指数

安硕恒生指数

华夏恒生ETF

盈富基金

南方两倍看多恒指

<p>香港将于 8 月实施更严格的持牌放贷人监管措施，包括对低收入者的债务偿还比率上限，以及禁止贷款推荐人，以减少债务催收者的骚扰。第一阶段将把月还款额限制在收入为 6,000 港元或以下的借款人收入的 35% 以内。第二阶段将于 2027 年 6 月开始，要求放贷人向一个新平台提交借款人的信用信息。立法者支持这些措施，但对家庭佣工转向无牌放贷人可能带来的风险表示担忧</p>

<p>Hong Kong’s licensed moneylenders will face strict new regulations starting in August, including debt servicing ratio caps for low-income earners and a full ban on using loan referees – a move lawmakers have said should reduce harassment by debt collectors. Lawmakers also said on Saturday that the measures outlined by the Financial Services and the Treasury Bureau would help stop most illicit loans, while one legislator called for further regulations on the moneylending industry. The bureau said in a consultation conclusions report released on Friday that the government would roll out the regulatory measures in two phases to protect the public interest. In the first phase starting on August 1, monthly repayments for borrowers earning HK$6,000 (US$766) or less would be capped at 35 per cent of their income, while those earning between HK$6,001 and HK$12,000 would face a 40 per cent limit, according to the report. Official data from the report showed that “excessive borrowing” had become “particularly acute among low-income earners” and foreign domestic helpers in Hong Kong, with some taking out massive loans just before their employment contracts ended and then disappearing. The document said this practice left employers facing harassment from debt collectors attempting to recover unpaid loans, highlighting significant vulnerabilities within the current moneylending framework. “The government is committed to further strengthening the regulation of moneylenders to protect the public interest,” a bureau spokesman said. “We are pleased to note that the community is very supportive of enhancing the regulation of moneylenders and agrees that targeted measures should be adopted to address the issue of excessive borrowing.” Under the existing system, borrowers could easily obtain unsecured personal loans because many moneylenders offered “simple and efficient approval processes” when applicants failed to seriously assess their repayment abilities, the report said. The document added that this convenience often led borrowers to take on heavy debts they could not repay, contributing to an average default rate of 9.3 per cent for the HK$47.2 billion in unsecured personal loans at the end of 2024. “As an international financial centre, it is crucial for Hong Kong to have a robust regulatory framework for financial services,” the report said. The bureau said that for the second phase beginning on June 1, 2027, all moneylenders engaged in the unsecured personal loan business would be required to submit their borrowers’ personal credit information to the Credit Data Smart platform once every 30 days. The report added that moneylenders with total unsecured personal loans reaching HK$50 million or above, or those lending to borrowers with monthly incomes below HK$12,000, must join the Credit Data Smart platform to obtain personal credit information for loan assessments. Launched in 2022, the Credit Reference Platform, which was developed to support Credit Data Smart, supports the transmission of consumer credit information in encrypted form between moneylenders and consumer credit reference agencies. It is operated by a subsidiary of Hong Kong Interbank Clearing Limited. “This will precisely address the risks associated with unsecured personal loans, whilst minimising the compliance burden on moneylenders,” the report said. “The government has all along been actively encouraging the moneylending sector to participate in the Credit Data Smart, to help lending institutions carry out detailed risk assessments before approving loan applications.” The bureau said it referenced regulatory arrangements in other jurisdictions such as Singapore, which set strict borrowing caps based on an individual’s annual income. The document detailed that non-Singaporeans earning less than S$10,000 (US$7,806) annually were restricted to a maximum loan amount of S$500 across all moneylenders, while countries such as the United Kingdom, Australia and New Zealand currently had no statutory caps for unsecured personal loans. “The government is committed to striking a balance between inclusive finance and risk management for creating a fair, transparent and sustainable moneylending market environment, thereby inducing moneylenders to grant loans more responsibly,” the report said. Lawmaker Johnny Ng Kit-chong said he expected the new rules to “effectively intercept” most illicit loans while also reducing harassment from debt collectors. But he voiced concerns that the new rules might push some domestic helpers to turn to unlicensed moneylenders, resulting in even more aggressive debt collection methods. “Regardless, the government should intensify efforts to conduct multilingual campaigns targeting the foreign domestic worker community, reminding them of the risks of borrowing recklessly,” Ng said. Hong Kong’s domestic helpers have long been targeted by predatory lending owing to their low monthly incomes. Legislator Bill Tang Ka-piu agreed that the new measures were “sufficient” to tackle loan issues related to helpers, but he added that was not the only issue that needed to be resolved. He said the government should also review the qualifications required to operate a moneylending company, and that there should be a lower interest rate ceiling for loans. “I hope the second phase can have a more concrete timetable to make more comprehensive and in-depth reform,” he said.</p>
<div class="lb-trans"><p>香港的持牌放贷机构将从八月开始面临严格的新规，包括对低收入者的债务偿还比率上限和全面禁止使用贷款推荐人——立法者表示，这一举措应能减少债务催收者的骚扰。立法者还在周六表示，财政事务及库务局所列出的措施将有助于阻止大多数非法贷款，而一位立法者呼吁对放贷行业进行进一步的监管。该局在周五发布的咨询结论报告中表示，政府将分两个阶段推出监管措施，以保护公众利益。在第一阶段，从八月一日开始，月收入为港币 6,000 元（约合 766 美元）或以下的借款人的月还款额将被限制在其收入的 35% 以内，而收入在港币 6,001 元至 12,000 元之间的借款人则面临 40% 的上限。报告中的官方数据显示，“过度借贷” 在低收入者和外籍家庭佣工中变得 “尤为严重”，一些人在雇佣合同结束前借取巨额贷款后便消失。文件指出，这种做法使雇主面临债务催收者的骚扰，试图收回未偿还的贷款，突显了当前放贷框架中的重大脆弱性。“政府致力于进一步加强对放贷机构的监管，以保护公众利益，” 一位局发言人表示。“我们很高兴地注意到，社区对加强放贷机构监管的支持非常强烈，并一致认为应采取针对性措施来解决过度借贷的问题。” 根据现行制度，借款人可以轻松获得无担保个人贷款，因为许多放贷机构在申请人未认真评估其还款能力时提供 “简单高效的审批流程”，报告称。文件补充说，这种便利性常常导致借款人承担无法偿还的沉重债务，导致截至 2024 年底，港币 472 亿的无担保个人贷款的平均违约率达到 9.3%。报告指出：“作为国际金融中心，香港必须拥有健全的金融服务监管框架。” 该局表示，在 2027 年 6 月 1 日开始的第二阶段，所有从事无担保个人贷款业务的放贷机构都必须每 30 天向信用数据智能平台提交借款人的个人信用信息。报告补充说，未担保个人贷款总额达到港币 5000 万元或以上的放贷机构，或向月收入低于港币 12,000 元的借款人放贷的机构，必须加入信用数据智能平台，以获取个人信用信息进行贷款评估。信用参考平台于 2022 年推出，旨在支持信用数据智能，支持在放贷机构与消费者信用参考机构之间以加密形式传输消费者信用信息。该平台由香港银行间结算有限公司的子公司运营。报告称：“这将准确应对无担保个人贷款相关的风险，同时减少放贷机构的合规负担。” 政府一直积极鼓励放贷行业参与信用数据智能，以帮助贷款机构在批准贷款申请前进行详细的风险评估。该局表示，它参考了新加坡等其他地区的监管安排，新加坡根据个人的年收入设定了严格的借贷上限。文件详细说明，年收入低于新加坡元 10,000 元（约合 7,806 美元）的非新加坡人，在所有放贷机构的最大贷款金额限制为新加坡元 500 元，而英国、澳大利亚和新西兰等国目前对无担保个人贷款没有法定上限。报告称：“政府致力于在包容性金融与风险管理之间取得平衡，以创造一个公平、透明和可持续的放贷市场环境，从而促使放贷机构更负责任地发放贷款。” 立法者 Johnny Ng Kit-chong 表示，他预计新规将 “有效拦截” 大多数非法贷款，同时减少债务催收者的骚扰。但他对新规可能迫使一些家庭佣工转向无牌放贷机构表示担忧，这可能导致更激进的债务催收方式。“无论如何，政府应加大力度开展多语言宣传活动，针对外籍家庭工人社区，提醒他们盲目借贷的风险，” Ng 说。由于月收入低，香港的家庭佣工长期以来一直成为掠夺性放贷的目标。立法者 Bill Tang Ka-piu 同意新措施 “足以” 解决与家庭佣工相关的贷款问题，但他补充说，这并不是唯一需要解决的问题。他表示，政府还应审查经营放贷公司的资格要求，并应设定贷款的较低利率上限。“我希望第二阶段能有一个更具体的时间表，以进行更全面和深入的改革，” 他说。</p>
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Hong Kong to tighten moneylending rules to tackle debt collector harassment

- 香港持牌放贷机构将从八月施行新规，限制低收入者债务偿还比率。  
- 政府致力于加强监管，旨在减少债务催收者骚扰和非法贷款现象。  
- 第二阶段将要求放贷机构定期向信用平台提交借款人信用信息。

香港将收紧借贷规则以应对债务催收骚扰问题