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政府優化持牌放債人牌照條件 無抵押個人貸款需評估還款能力
阿思達克 03-16 17:45
政府今日(16日)公布放債人註冊處處長已尋求牌照法庭的批准,自今日起,向所有新發出或續發的放債人牌照,施加經優化的牌照條件。經優化的牌照條件,內容包括新增在訂立任何無抵押個人貸款協議之前,放債人必須對申請貸款人士負擔按照貸款協議還款的能力作出評估,並充分考慮負擔能力方面的評估結果的要求。

財經事務及庫務局發言人表示,借款人借貸時有責任評估自身的償還貸款能力,與此同時,當局希望透過施加新牌照條件,鼓勵放債人作出負責任的貸款。

此外,兩項現有牌照條件亦作出修訂,加強規管放債人廣告及保障貸款諮詢人。發言人補充指,經修訂的牌照條件要求放債人廣告必須公正合理,不含誤導成分,以及放債人如獲告知或知悉貸款諮詢人的書面同意書事實上並非由該諮詢人所簽署,必須立即停止使用該諮詢人的資料。」

除優化牌照條件外,處長亦已採取一系列的行政措施,加強對放債人的規管,包括於本年1月29日發布了兩份指引,分別為《放債人牌照適當人選準則的指引》及《放債人牌照申請人遞交業務計劃的指引》。

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