首先在Hongkong除了保险公司售卖保险之外还有insurance brokerandinsurance agency也是有资格售卖保险的，To put it bluntly, an insurance brokerage company is an institution that cooperates with insurance companies. They usually sign a certain contract to stipulate the cooperation method and then which products can be represented.，In fact, insurance brokers are agents from the customer's perspective who help customers plan their insurance investments reasonably.。
在香港保险经纪业务，以前是由2个自律组织监管着行业，one isHong Kong Professional Insurance Brokers Association (PIBA)，one is香港保险顾问联会（HKCIB），不过自2019年9月23日起，Now保险经纪的牌照是由Hong Kong Insurance Authority审批了。
one、 香港保险经纪牌照的申请门槛：
- 1.Must be a company incorporated in Hong Kong or an overseas company registered with the Hong Kong Companies Registry，Physical office address、Company account。
- 2.Sufficient equity：必须时刻维持不少于 5010,000 Hong Kong dollars(Note：根据最新监管修订，资本金要求已从旧制的10万提升，请务必核实最新合规红线）。。
- 3.Compliance CEO：1name，Must be a full-time director or full-time employee of the company’s business in Hong Kong。
- 4.Professional Civil Compensation Insurance - Adequate Payment Reserves：Policy financing is not less than HKD 3 million，The maximum amount is HK$75 million。The premium is generally about HK$10,000/year。
- 5.One less separate storage customer account：The client's funds must be deposited into a client's bank account，separate from its own monies。
Customer funds shall not be used for any other purpose other than the customer’s purpose.
two、如何获得一张香港保险经纪牌照：
目前主流的操作方式分为两种，各有优劣：
方案 A：全新申请
process： 注册香港公司 -> 招聘持牌负责人 -> 提交保险业监管局申请表 -> 答辩与审批。
优点： 背景干净，初始成本相对受控。
缺点： 审批周期长（通常需要6-12个月），政策审核严格。
方案 B：Hong Kong Insurance Brokerage License Acquisition
process： 寻找存量待售牌照 -> 尽职调查 -> 提交股权变更申请。
优点： 拿牌速度快，可接手现有业务框架和合约。
价格建议： 市场收购价格受牌照历史记录、是否有现成合约等因素影响：
three、 收购香港保险经纪牌照的费用（2025-2026参考）
收购一家现成的香港保险经纪牌照公司，其价格并非固定，通常由“壳价 + 资产净值 + 业务溢价”三部分组成。
市场收购价格区间：
纯“干净壳”牌照： 市场价格通常在 40万至60万港元 之间。这类公司通常没有过往违规记录，且没有存量业务。
带合约/有业绩的公司： 如果牌照已经与各大保险公司（如Allies、Prudential、宏利等）签署了分销协议，价格通常会溢价 20万-50万港元。
全套运营公司： 包含成熟团队、租约及IT系统的公司，收购价大约在150万港元以上。
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Hong Kong Xintong focuses onHong Kong Securities and Futures Commission license、Hong Kong Insurance Broker License、Hong Kong MSO Licenseandmoneylenders licenseApply for service，Assist customers to applyUS MSB license、NFA、RIA、Canadian MSB license、Mainstream overseas financial licenses such as Australia and Mexico，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableCayman Islands Offshore Company Registration、Offshore fund establishment and global compliance operations and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
