Online Lending and Consumer Finance in China: Regulatory Orientation
Product teams ask: Can we lend under our own brand app, or must we only provide technology to a bank? China tightened online lending after earlier excesses. This orientation helps frame model choice and diligence—not underwrite a licence application.
Author China Legal Portal Editorial · ReviewerQian Peng · Last reviewed · 2 min read · Editorial policy · AI content policy · Disclaimer · Not legal advice — confirm current rules with counsel and authorities
At a glance
Product Liability: typical process stages
Four high-level stages — details and local variations are in the guide below.
1RiskDefect & chain of supply
2EvidenceTesting, notices, recalls
3ClaimsConsumer & B2B exposure
4ResolveSettlement or litigation
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Consultation preparation
What to prepare before contacting counsel
Send a focused first package so counsel can check conflicts, understand scope, and identify urgent deadlines.
A concise timeline and the result you want to achieve.
Names of all parties and affiliates for a conflict check.
Key contracts, notices, correspondence, filings, or decisions.
Known deadlines, preferred language, location, and budget constraints.
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