Industry background

Money lending business has a long history in Hong Kong even before the enactment of Money Lenders Ordinance (CAP. 163) in 1980. Its major businesses include: (i) consumer and commercial loan, (ii) mortgage, (iii) vehicle, plant and equipment leasing, (iv) credit card, (v) Small and Medium Enterprises loan, (vi) cheque and invoice discounting, (vii) loan syndication.

The business is monitored by the Hong Kong Police Force (Licensing Office). Business license is granted by the Hong Kong Licensing Court while general licensing administration is handled by the Companies Registry - Money Lenders Section. Although the scope of business may be relatively limited compared to commercial banks, restricted licensed banks and DTCs, over the years the industry has increasingly contributed to the prosperity of economy development in Hong Kong.


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