Haitao Cheng Claimed

Banking and Financial Services

Haitao Cheng advises banks, financial institutions and borrowers in Guangzhou on loan agreements, financial services compliance, and the resolution of banking disputes, including exposure to criminal liability in debt matters.

Mr. Cheng practices at Guangzhou Zhengyuan Law Firm in the Tianhe District. He studied at South China University of Technology and was admitted to the bar in 2015. His practice covers banking and finance, loan enforcement and financial crime defense, and he has represented both lenders and borrowers in disputes over commercial loans, credit facilities and financial guarantees.

Loan Agreements and Enforcement

Mr. Cheng advises on the structure of loan agreements, security arrangements and guarantee documents, with attention to the validity of interest terms, the enforceability of collateral and the procedural requirements for recovery. He represents lenders in enforcement proceedings and represents borrowers in challenging improper charges, misapplied payments and unenforceable terms.

He also advises companies on the financial covenants in credit facilities and on the documentation required to maintain access to financing. For businesses facing financial distress, he evaluates restructuring, negotiation and settlement options before litigation becomes necessary.

Financial Crime Exposure

A growing part of Mr. Cheng's practice involves advising clients on the criminal risks associated with financial misconduct, including fraudulent lending, misappropriation of funds and illegal fundraising. He helps clients understand the boundary between civil default and criminal conduct, and he defends individuals and companies where allegations have been made. Early advice on documentation, communication with counterparties and dealings with investigators is often decisive.

• Loan agreement review and enforcement
• Banking dispute resolution and regulatory compliance
• Financial crime defense and risk assessment
• Distressed debt negotiation and restructuring

Client Focus

Mr. Cheng serves both domestic and international clients. He prepares written assessments in plain language, tracks statutory deadlines carefully and maintains close communication throughout each matter. All engagement terms are confirmed in writing at the outset.