Affected by history and market environment，Hong Kong has long been an international financial center，Development in the money lending industry started early。As the industry continues to mature，Relevant legal systems also continue to improve。since"Money Lenders Ordinance》After its implementation in Hong Kong in 1980，Money lending business formally included in regulatory framework。If an enterprise plans to set up a financial company in Hong Kong and carry out lending business，Must apply and obtainHong Kong Money Lenders License；Operating relevant business without a license，will constitute an illegal act。
Hong Kong finance company registrationbusiness positioning
Businesses carried out by Hong Kong financial companies after registration，Common accounting and tax filing services in Mainland China，Or there are obvious differences in the internal fund management functions undertaken by the financial companies of the enterprise group。Hong Kong finance companies can mainly provide lending services in Hong Kong，Hong Kong money lenders do not accept deposits from the public，Its business scope mainly focuses on secured and unsecured money lending business，For example：
- personal and business credit；
- mortgage；
- car、Wen etiquette、heavy machinery、Factory leasing；
- Credit card financing、Promissory notes and bill discounts, etc.。
Money lending industry demand and licensed market size
The development of various economic activities is inseparable from financial support，This has also continued to boost market demand in Hong Kong’s money lending industry.。As of 2017，The published data on money lender license holders in Hong Kong is 4899，The overall number of registered financial companies in Hong Kong shows a steady growth trend。
Regulatory review requirements for money lender licenses in Hong Kong
Because the money lending business itself is highly sensitive,，To ensure that the financial company is legal、Stable operation，Companies must apply for a Hong Kong money lender license before starting business。Hong Kong finance company registration and money lender license application，Requires review by three regulatory authorities，respectivelyCompanies Registry、Hong Kong Police Force andLicensing Tribunal，The three are responsible for the review of different aspects.。
The license application process involves document preparation、regulatory communications、Compliance review and court procedures and other aspects，More subdivision matters，Improper handling of any details may affect the approval progress。We recommend that enterprises entrust professional institutions with practical handling experience to coordinate and promote，To improve application efficiency and reduce compliance risks。
Money lender license validity period andRenewal arrangements
Hong Kong’s financial industry is developing rapidly，Business forms change rapidly。In order to achieve effective supervision of the money lending industry，Hong Kong money lender license validity period set to 12 months。If the licensee needs to continue operating the relevant business，Application for renewal should be made three months before the license expires.，Avoid affecting normal operations due to untimely renewal arrangements。
Advice on registration and licensing of financial companies in Hong Kong
We have mature window service experience in various Hong Kong license processing fields，Familiar with Hong Kong company registration procedures and related regulatory requirements，Ability to process at speed、Provide efficient support to customers in terms of price and professional services。
In order to meet investors’ needs for immediacy of business implementation，We can also provide ready-made Hong Kong money lender license transfer services。If you register a Hong Kong financial company、There are questions about the difficulty of applying for a money lender license in Hong Kong or the processing procedures，Welcome to contact us for further consultation。
About Hong Kong Xintong
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。
