<p>香港的持牌放貸機構將從八月開始面臨嚴格的新規，包括對低收入者的債務償還比率上限和全面禁止使用貸款推薦人——立法者表示，這一舉措應能減少債務催收者的騷擾。立法者還在週六表示，財政事務及庫務局所列出的措施將有助於阻止大多數非法貸款，而一位立法者呼籲對放貸行業進行進一步的監管。該局在週五發佈的諮詢結論報告中表示，政府將分兩個階段推出監管措施，以保護公眾利益。在第一階段，從八月一日開始，月收入為港幣 6,000 元（約合 766 美元）或以下的借款人的月還款額將被限制在其收入的 35% 以內，而收入在港幣 6,001 元至 12,000 元之間的借款人則面臨 40% 的上限。報告中的官方數據顯示，“過度借貸” 在低收入者和外籍家庭傭工中變得 “尤為嚴重”，一些人在僱傭合同結束前借取鉅額貸款後便消失。文件指出，這種做法使僱主面臨債務催收者的騷擾，試圖收回未償還的貸款，突顯了當前放貸框架中的重大脆弱性。“政府致力於進一步加強對放貸機構的監管，以保護公眾利益，” 一位局發言人表示。“我們很高興地注意到，社區對加強放貸機構監管的支持非常強烈，並一致認為應採取針對性措施來解決過度借貸的問題。” 根據現行制度，借款人可以輕鬆獲得無擔保個人貸款，因為許多放貸機構在申請人未認真評估其還款能力時提供 “簡單高效的審批流程”，報告稱。文件補充説，這種便利性常常導致借款人承擔無法償還的沉重債務，導致截至 2024 年底，港幣 472 億的無擔保個人貸款的平均違約率達到 9.3%。報告指出：“作為國際金融中心，香港必須擁有健全的金融服務監管框架。” 該局表示，在 2027 年 6 月 1 日開始的第二階段，所有從事無擔保個人貸款業務的放貸機構都必須每 30 天向信用數據智能平台提交借款人的個人信用信息。報告補充説，未擔保個人貸款總額達到港幣 5000 萬元或以上的放貸機構，或向月收入低於港幣 12,000 元的借款人放貸的機構，必須加入信用數據智能平台，以獲取個人信用信息進行貸款評估。信用參考平台於 2022 年推出，旨在支持信用數據智能，支持在放貸機構與消費者信用參考機構之間以加密形式傳輸消費者信用信息。該平台由香港銀行間結算有限公司的子公司運營。報告稱：“這將準確應對無擔保個人貸款相關的風險，同時減少放貸機構的合規負擔。” 政府一直積極鼓勵放貸行業參與信用數據智能，以幫助貸款機構在批准貸款申請前進行詳細的風險評估。該局表示，它參考了新加坡等其他地區的監管安排，新加坡根據個人的年收入設定了嚴格的借貸上限。文件詳細説明，年收入低於新加坡元 10,000 元（約合 7,806 美元）的非新加坡人，在所有放貸機構的最大貸款金額限制為新加坡元 500 元，而英國、澳大利亞和新西蘭等國目前對無擔保個人貸款沒有法定上限。報告稱：“政府致力於在包容性金融與風險管理之間取得平衡，以創造一個公平、透明和可持續的放貸市場環境，從而促使放貸機構更負責任地發放貸款。” 立法者 Johnny Ng Kit-chong 表示，他預計新規將 “有效攔截” 大多數非法貸款，同時減少債務催收者的騷擾。但他對新規可能迫使一些家庭傭工轉向無牌放貸機構表示擔憂，這可能導致更激進的債務催收方式。“無論如何，政府應加大力度開展多語言宣傳活動，針對外籍家庭工人社區，提醒他們盲目借貸的風險，” Ng 説。由於月收入低，香港的家庭傭工長期以來一直成為掠奪性放貸的目標。立法者 Bill Tang Ka-piu 同意新措施 “足以” 解決與家庭傭工相關的貸款問題，但他補充説，這並不是唯一需要解決的問題。他表示，政府還應審查經營放貸公司的資格要求，並應設定貸款的較低利率上限。“我希望第二階段能有一個更具體的時間表，以進行更全面和深入的改革，” 他説。</p>

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<p>香港將於 8 月實施更嚴格的持牌放貸人監管措施，包括對低收入者的債務償還比率上限，以及禁止貸款推薦人，以減少債務催收者的騷擾。第一階段將把月還款額限制在收入為 6,000 港元或以下的借款人收入的 35% 以內。第二階段將於 2027 年 6 月開始，要求放貸人向一個新平台提交借款人的信用信息。立法者支持這些措施，但對家庭傭工轉向無牌放貸人可能帶來的風險表示擔憂</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>香港的持牌放貸機構將從八月開始面臨嚴格的新規，包括對低收入者的債務償還比率上限和全面禁止使用貸款推薦人——立法者表示，這一舉措應能減少債務催收者的騷擾。立法者還在週六表示，財政事務及庫務局所列出的措施將有助於阻止大多數非法貸款，而一位立法者呼籲對放貸行業進行進一步的監管。該局在週五發佈的諮詢結論報告中表示，政府將分兩個階段推出監管措施，以保護公眾利益。在第一階段，從八月一日開始，月收入為港幣 6,000 元（約合 766 美元）或以下的借款人的月還款額將被限制在其收入的 35% 以內，而收入在港幣 6,001 元至 12,000 元之間的借款人則面臨 40% 的上限。報告中的官方數據顯示，“過度借貸” 在低收入者和外籍家庭傭工中變得 “尤為嚴重”，一些人在僱傭合同結束前借取鉅額貸款後便消失。文件指出，這種做法使僱主面臨債務催收者的騷擾，試圖收回未償還的貸款，突顯了當前放貸框架中的重大脆弱性。“政府致力於進一步加強對放貸機構的監管，以保護公眾利益，” 一位局發言人表示。“我們很高興地注意到，社區對加強放貸機構監管的支持非常強烈，並一致認為應採取針對性措施來解決過度借貸的問題。” 根據現行制度，借款人可以輕鬆獲得無擔保個人貸款，因為許多放貸機構在申請人未認真評估其還款能力時提供 “簡單高效的審批流程”，報告稱。文件補充説，這種便利性常常導致借款人承擔無法償還的沉重債務，導致截至 2024 年底，港幣 472 億的無擔保個人貸款的平均違約率達到 9.3%。報告指出：“作為國際金融中心，香港必須擁有健全的金融服務監管框架。” 該局表示，在 2027 年 6 月 1 日開始的第二階段，所有從事無擔保個人貸款業務的放貸機構都必須每 30 天向信用數據智能平台提交借款人的個人信用信息。報告補充説，未擔保個人貸款總額達到港幣 5000 萬元或以上的放貸機構，或向月收入低於港幣 12,000 元的借款人放貸的機構，必須加入信用數據智能平台，以獲取個人信用信息進行貸款評估。信用參考平台於 2022 年推出，旨在支持信用數據智能，支持在放貸機構與消費者信用參考機構之間以加密形式傳輸消費者信用信息。該平台由香港銀行間結算有限公司的子公司運營。報告稱：“這將準確應對無擔保個人貸款相關的風險，同時減少放貸機構的合規負擔。” 政府一直積極鼓勵放貸行業參與信用數據智能，以幫助貸款機構在批准貸款申請前進行詳細的風險評估。該局表示，它參考了新加坡等其他地區的監管安排，新加坡根據個人的年收入設定了嚴格的借貸上限。文件詳細説明，年收入低於新加坡元 10,000 元（約合 7,806 美元）的非新加坡人，在所有放貸機構的最大貸款金額限制為新加坡元 500 元，而英國、澳大利亞和新西蘭等國目前對無擔保個人貸款沒有法定上限。報告稱：“政府致力於在包容性金融與風險管理之間取得平衡，以創造一個公平、透明和可持續的放貸市場環境，從而促使放貸機構更負責任地發放貸款。” 立法者 Johnny Ng Kit-chong 表示，他預計新規將 “有效攔截” 大多數非法貸款，同時減少債務催收者的騷擾。但他對新規可能迫使一些家庭傭工轉向無牌放貸機構表示擔憂，這可能導致更激進的債務催收方式。“無論如何，政府應加大力度開展多語言宣傳活動，針對外籍家庭工人社區，提醒他們盲目借貸的風險，” Ng 説。由於月收入低，香港的家庭傭工長期以來一直成為掠奪性放貸的目標。立法者 Bill Tang Ka-piu 同意新措施 “足以” 解決與家庭傭工相關的貸款問題，但他補充説，這並不是唯一需要解決的問題。他表示，政府還應審查經營放貸公司的資格要求，並應設定貸款的較低利率上限。“我希望第二階段能有一個更具體的時間表，以進行更全面和深入的改革，” 他説。</p>
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Hong Kong to tighten moneylending rules to tackle debt collector harassment

- 香港持牌放貸機構將從八月施行新規，限制低收入者債務償還比率。  
- 政府致力於加強監管，旨在減少債務催收者騷擾和非法貸款現象。  
- 第二階段將要求放貸機構定期向信用平台提交借款人信用信息。

香港將收緊借貸規則以應對債務催收騷擾問題