Readiness申请准备清单Readiness Checklist
申请前应先确认Before Filing
- 香港注册公司或在港注册的外国公司分支
- 须有合适经营场所或本地管理办公室（LMO）及账簿存放地点
- 至少一名高级管理人员须通过海关组织的合规能力评估（Competence Assessment）
- Hong Kong incorporated company or a branch of a foreign company registered in Hong Kong.
- A suitable business premises or local management office (LMO) and book-keeping location are required.
- At least one senior management person must pass the C&ED Competence Assessment.
监管重点Regulatory Focus
- 完整 AML/CFT 框架：客户尽职调查、交易监控、制裁与 PEP 筛查
- 交易记录保存
- 无牌经营属刑事罪行（最高罚款 HK$1,000,000 及监禁 2 年）
- Complete AML/CFT framework, including customer due diligence, transaction monitoring, sanctions and PEP screening.
- Transaction record retention.
- Operating without a licence is a criminal offence, with a maximum fine of HKD 1,000,000 and imprisonment for two years.
交付材料Delivery Workstream
- 牌照路径规划、能力评估辅导、AML 手册起草、场所与人员合规、海关沟通
- Licensing route planning, competence assessment coaching, AML manual drafting, premises and personnel compliance, and C&ED communication.
监管机构与法律依据Regulator & Statutory Basis
- 香港海关（Customs and Excise Department, C&ED），由海关关长发牌；《打击洗钱及恐怖分子资金筹集条例》（AMLO, Cap. 615）第 5 部
- Hong Kong Customs and Excise Department (C&ED), licensed by the Commissioner of Customs and Excise; Part 5 of AMLO (Cap. 615).
C&ED 《打击洗钱及恐怖分子资金筹集条例》（AMLO, Cap. 615）第 5 部AMLO (Cap. 615), Part 5
适用业务范围Permitted Activities
- 货币兑换服务（外币买卖，作为主营业务）
- 汇款服务（本地及跨境，含线上汇款平台）
- Money changing services, meaning buying or selling foreign currencies as a business.
- Remittance services, both local and cross-border, including online remittance platforms.
申请人资格Applicant Eligibility
- 香港注册公司或在港注册的外国公司分支
- 须有合适经营场所或本地管理办公室（LMO）及账簿存放地点
- 至少一名高级管理人员须通过海关组织的合规能力评估（Competence Assessment）
- 委任 MLRO 及合规主管
- Hong Kong incorporated company or a branch of a foreign company registered in Hong Kong.
- A suitable business premises or local management office (LMO) and book-keeping location are required.
- At least one senior management person must pass the C&ED Competence Assessment.
- MLRO and compliance officer should be appointed.
资本要求Capital Requirements
- 无法定最低资本要求，但须证明具备充足财务资源维持运营
- There is no statutory minimum capital requirement, but sufficient financial resources to maintain operations must be demonstrated.
关键合规要求Key Compliance Obligations
- 完整 AML/CFT 框架：客户尽职调查、交易监控、制裁与 PEP 筛查
- 交易记录保存
- 无牌经营属刑事罪行（最高罚款 HK$1,000,000 及监禁 2 年）
- Complete AML/CFT framework, including customer due diligence, transaction monitoring, sanctions and PEP screening.
- Transaction record retention.
- Operating without a licence is a criminal offence, with a maximum fine of HKD 1,000,000 and imprisonment for two years.
时间表Timeline
- 全流程（含准备、能力评估、面谈、场所检查、海关内审）一般 6 - 12 个月或更长
- The full process, including preparation, competence assessment, interview, premises inspection and C&ED internal review, is generally 6-12 months or longer.
政府收费Government Fees
- 以海关公布为准；牌照有效期 2 年，期满须续期
- Subject to C&ED publication. The licence is valid for two years and must be renewed.
持续合规义务Ongoing Obligations
- 定期申报交易报表、AML 政策季度审视、新增场所须批准、续牌
- Regular transaction returns, quarterly AML policy review, approval for new premises and licence renewal.
典型申请人画像Typical Applicant Profile
- 兑换店、汇款公司、跨境支付/数字汇款平台
- Money changers, remittance companies and cross-border payment or digital remittance platforms.
Spark Advisory 服务范围Our Engagement Scope
- 牌照路径规划、能力评估辅导、AML 手册起草、场所与人员合规、海关沟通
- Licensing route planning, competence assessment coaching, AML manual drafting, premises and personnel compliance, and C&ED communication.