港府展開加強規管持牌放債人公眾諮詢
針對外傭可以無抵押借貸的漏洞,港府就加強規管持牌放債人展開公眾諮詢,邀請巿民表達意見,諮詢期至8月22日。擬議措施包括加強規管無抵押個人貸款、加強保障貸款諮詢人、優化和提升借款人就無抵押個人貸款負擔能力評估、優化投訴處理、加強宣傳教育,以及優化放債人規管制度。
諮詢文件建議,根據借款人的每月收入作基準,設立無抵押個人貸款的累計上限,每月收入5,000元或以下的借款人,無抵押個人貸款累計貸款額上限不得多於一個月收入;每月收入5,001至10,000元的借款人,則不得多於兩個月收入。放債人在批出無抵押個人貸款前,必須計算批出貸款後會否超越有關比例。
但文件也表示,留意到社會各界就處理低收入人士過度借貸問題,持不同意見,希望能在保障借款人與維持放貸市場活力之間,取得平衡。因此,除了上述建議,政府亦建議設立無抵押個人貸款「還款佔入息比率」上限,作為另一個可行選項。
此外,在金管局的支持下,香港銀行公會、香港有限制牌照銀行及接受存款公司公會,以及香港持牌放債人公會推出「信資通」,以規定所有持牌放債人須定期向「信資通」提供其借款人的個人信貸資料,包括如信貸額度及未償還金額及還款紀錄等借貸申請、已獲批的貸款詳情。
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