政府优化持牌放债人牌照条件 无抵押个人贷款需评估还款能力
政府今日(16日)公布放债人注册处处长已寻求牌照法庭的批准,自今日起,向所有新发出或续发的放债人牌照,施加经优化的牌照条件。经优化的牌照条件,内容包括新增在订立任何无抵押个人贷款协议之前,放债人必须对申请贷款人士负担按照贷款协议还款的能力作出评估,并充分考虑负担能力方面的评估结果的要求。
财经事务及库务局发言人表示,借款人借贷时有责任评估自身的偿还贷款能力,与此同时,当局希望透过施加新牌照条件,鼓励放债人作出负责任的贷款。
此外,两项现有牌照条件亦作出修订,加强规管放债人广告及保障贷款谘询人。发言人补充指,经修订的牌照条件要求放债人广告必须公正合理,不含误导成分,以及放债人如获告知或知悉贷款谘询人的书面同意书事实上并非由该谘询人所签署,必须立即停止使用该谘询人的资料。」
除优化牌照条件外,处长亦已采取一系列的行政措施,加强对放债人的规管,包括於本年1月29日发布了两份指引,分别为《放债人牌照适当人选准则的指引》及《放债人牌照申请人递交业务计划的指引》。
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