China Financial Services Holdings Limited Announces Discloseable Transaction: Granting of RMB 11 Million Secured Loan
Key Highlights for Investors
- Significant Loan Granted: On 18 May 2026, Shenzhen Credit Gain Finance Company Limited (SZCG), a wholly-owned subsidiary of China Financial Services Holdings Limited (“the Company”), entered into a New Loan Agreement with Customer FT for a principal amount of RMB 11,000,000, over a one-year term, secured by a first legal charge mortgage on prime commercial property in Shenzhen.
- Interest Rate: The loan carries an interest rate of 20.4% per annum, with interest payable monthly and principal due at maturity.
- Collateral Details: The loan is secured by a commercial property in Futian District, Shenzhen, independently valued at RMB 22,760,000 as of 6 May 2026—more than double the loan amount.
- Repeat Borrower: Customer FT is a repeat client with a satisfactory repayment record and no history of default. She is an individual in the property management industry and an Independent Third Party (not connected to the Group).
- Aggregate Exposure: Including a previous loan of RMB 10,000,000 granted in March 2026, the Company has now provided secured loans totaling RMB 21,000,000 to Customer FT.
- Listing Rules Implications: As the size of the New Loan exceeds 5% but is less than 25% of the relevant percentage ratios under Hong Kong Listing Rules, it constitutes a discloseable transaction, requiring public notification and announcement.
Detailed Transaction Summary
SZCG, acting as lender, and Customer FT, as borrower, have formalized a New Loan Agreement for RMB 11,000,000 at an annual interest rate of 20.4%. The loan is structured as a 12-month facility, commencing from the date of drawdown. Monthly interest payments are required, with the principal to be repaid in full at loan maturity.
The loan is fully secured by a first legal charge over a commercial property in the highly sought-after Futian District of Shenzhen. An independent valuation on 6 May 2026 placed the property’s market value at approximately RMB 22,760,000, providing ample security coverage.
Customer FT, the borrower, is described as financially robust, with a solid net worth and a history of satisfactory repayments, especially on the previous secured loan of RMB 10,000,000 granted in March 2026. The Company’s credit risk assessment—factoring in the prime location of the property, the borrower’s financial strength, loan term, and previous repayment performance—concluded that the risk is manageable.
The New Loan will be funded from the Group’s general working capital.
Potential Price Sensitive Information for Shareholders
- The high interest rate (20.4% per annum) suggests the Company expects a strong and stable revenue and cashflow stream from this loan, which could positively impact future earnings.
- The substantial aggregate loan exposure to a single borrower (RMB 21,000,000) is mitigated by robust collateral and a strong repayment record. However, any adverse change in the borrower’s circumstances or property market values could impact the Company’s risk profile.
- The fact that the transaction requires disclosure under Chapter 14 of the Listing Rules highlights its significance and potential materiality to the Company’s financial position.
- The Directors have confirmed that the transaction is in the ordinary course of business, on normal commercial terms, and in the interests of shareholders as a whole.
Board and Corporate Information
The Board comprises Executive Director Mr. Zhang Min (CEO) and five Independent Non-executive Directors. The Company is an investment holding entity principally engaged in the provision of financial services in Hong Kong and the PRC.
SZCG, the lending entity, is a wholly-foreign-owned enterprise in Shenzhen, specializing in loans to individuals and SMEs.
Conclusion
The disclosed transaction demonstrates China Financial Services Holdings Limited’s active participation in high-value secured lending in the PRC, leveraging its capital to generate attractive returns. The robust collateral and the borrower’s strong financial background mitigate risk, while the scale of the transaction reaffirms the Company’s strategic focus on the lending sector.
Investors should monitor any future developments regarding the borrower and the performance of the underlying collateral, as these could materially impact the Group’s financial results and share price.
Disclaimer:
The above article is for informational purposes only and does not constitute investment advice. Investors should perform their own due diligence and consult with professional advisors before making investment decisions. China Financial Services Holdings Limited and its subsidiaries accept no responsibility for any loss arising from reliance on this information.
【粵語版】中國金融服務控股有限公司披露交易：提供1,100萬元人民幣抵押貸款
投資者重點摘要
- 重大貸款發放：2026年5月18日，深圳市領達小額貸款有限公司（SZCG，為中國金融服務控股有限公司全資附屬公司）與客戶FT（蔡錦杏女士）簽訂新貸款協議，金額達人民幣1,100萬元，期限一年，以深圳福田區優質商業物業作為首順位法定按揭抵押。
- 利率：年利率高達20.4%，須每月支付利息，本金於到期時一次還清。
- 抵押詳情：抵押物為深圳福田區商業物業，2026年5月6日由獨立估值師評估市值約人民幣2,276萬元，抵押充足。
- 重複借款人：客戶FT為物業管理行業人士，過往還款記錄良好，無違約紀錄，且為獨立第三方（與集團無關連）。
- 總體風險敞口：連同2026年3月批出的人民幣1,000萬元貸款，SZCG現時對該客戶總貸款已達人民幣2,100萬元。
- 上市規則披露：由於新貸款規模超過相關百分比比率5%但低於25%，已構成上市規則下的須披露交易，須作公告通知。
交易詳情
SZCG作為貸方，與客戶FT簽訂新貸款協議，金額為人民幣1,100萬元，年利率20.4%，期限12個月。貸款以深圳福田區商業物業作為首順位按揭抵押。該物業經獨立估值，市值為人民幣2,276萬元，抵押保障充足。
客戶FT財務穩健，過往還款良好。風險評估考慮到物業位置、借款人資產狀況、貸款期限及還款紀錄，風險可控。新貸款將以集團一般營運資金撥付。
對股東重要及可能影響股價的事項
- 高息貸款（年息20.4%）將為集團帶來可觀且穩定的利息收入，可能正面影響盈利。
- 對單一借款人貸款金額較高（合共2,100萬元），但有充足抵押及良好還款記錄；若借款人財務或物業市場有變，潛在風險需注意。
- 此交易已觸及上市規則披露門檻，顯示其對公司財務狀況具有重要性。
- 董事會認為，交易屬正常商業條款並符合股東整體利益。
董事會及公司資訊
董事會由執行董事張敏（CEO）及五名獨立非執行董事組成。公司為一家主要在香港及中國內地從事金融服務的投資控股公司。SZCG為深圳全外資企業，專注向深圳個人及中小企提供貸款。
總結
今次披露的交易反映中國金融服務控股有限公司積極擴展內地高價值抵押貸款業務，憑藉資本優勢獲取高回報。抵押充足及借款人財力雄厚，有效分散風險。投資者應留意借款人及抵押物未來情況，因可能對集團財務表現及股價構成重大影響。
免責聲明：
以上內容僅供參考，並不構成任何投資建議。投資者應自行審慎評估，並諮詢專業顧問。中國金融服務控股有限公司及其附屬公司對根據此資訊所作出的任何投資決定或損失概不負責。
