← Back to Home
點擊問題展開答案（共 30 題）
Click a question to expand (30 questions)
Q1. 甚麼是 RAR / RACSF？
Q1. What is RAR / RACSF?
RAR（管制代理人）是民航處的監管制度，適用於處理空運貨物的公司。RACSF（管制空運貨物安檢設施）是獲授權進行貨物安檢的場所。RAR 是公司牌照，RACSF 是場地牌照。
RAR (Regulated Agent) is an HKCAD regime for companies handling air cargo. RACSF (Regulated Air Cargo Screening Facility) is a licensed premises for cargo screening. RAR is a company license; RACSF is a premises license.
Q2. RAR 申請需要多久？
Q2. How long does RAR application take?
一般 3-6 個月。我們提供 Security Programme 編寫、場地設計、設備建議、模擬審查及跟進服務。
Typically 3-6 months. We provide Security Programme drafting, facility layout design, equipment specification, mock audits, and follow-up support.
Q3. 點解要搵你哋申請 RAR 而唔自己搞？
Q3. Why use your RAR service instead of applying myself?
自己申請 RAR/RACSF 需熟悉民航處審批要求、編寫 Security Programme、設計物理隔離區及安檢流程。我們已處理多宗申請，熟悉審批要點，可將申請時間縮短 30-50%，避免因文件不全導致退回重審。
DIY RAR/RACSF requires deep knowledge of HKCAD requirements, Security Programme drafting, and physical segregation design. We have processed multiple applications, know the approval pitfalls, and can reduce processing time by 30-50%.
Q4. IATA Cargo Agent 係咩？
Q4. What is IATA Cargo Agent?
IATA 認可貨運代理資格，需符合 Resolution 801 香港財務標準，包括實繳資本 HKD 100 萬以上。
IATA accredited freight forwarder status under Resolution 801. Requires minimum HKD 1M paid-up capital and meeting Hong Kong local financial criteria.
Q5. IATA Cargo Agent 申請條件？
Q5. IATA Cargo Agent requirements?
6 個月空運營運歷史、HKD 100 萬實繳資本、9 個月內審計報告、2 名 DGR 人員、2 名經驗員工。
6 months air cargo trading history, HKD 1M paid-up capital, audited accounts within 9 months, 2 DGR-certified staff, 2 experienced staff.
Q6. CEIV 認證係咩？
Q6. What is CEIV certification?
IATA 卓越驗證中心認證，針對鋰電池、藥品、活生動物等特殊貨物的處理標準。
IATA Center of Excellence for Independent Validators. Standards for handling lithium batteries, pharmaceuticals, live animals, and perishable cargo.
Q7. 你係咪 IATA 審計員？
Q7. Are you an IATA auditor?
是的，Ryan Ngan 是 IATA 授權 CEIV Lithium Batteries 獨立驗證員（Lead Auditor）。
Yes. Ryan Ngan is an IATA-appointed CEIV Lithium Batteries Independent Validator (Lead Auditor).
Q8. TAPA FSR 係咩？
Q8. What is TAPA FSR?
TAPA 貨運保安要求（Freight Security Requirements），適用於高價值貨物運輸的保安標準。
TAPA Freight Security Requirements — security standards for high-value cargo transportation and warehousing.
Q9. Factoring 如何運作？
Q9. How does export factoring work?
我們以應收帳款為基礎，提供 80-90% 即時墊付，24-36 小時到帳。無需物業抵押，100% 信用保險保障。
We advance 80-90% of invoice value within 24-36 hours based on receivables. No property collateral needed. 100% credit insurance covers buyer default.
Q10. Factoring 的最低門檻？
Q10. What are the minimum factoring requirements?
每月貿易額 HKD 500 萬以上，香港註冊公司，需提供交易憑證。製造業、批發貿易、物流業優先。
Monthly trade volume of HKD 5M+, Hong Kong registered company with verifiable trade documents. Priority: manufacturing, wholesale, logistics.
Q11. Factoring 點樣改善現金流？
Q11. How does factoring improve my cash flow?
假設您每月出口 HKD 2,500 萬，賬期 90 天，傳統銀行要 2-3 個月審批且要求物業抵押。我們 24-36 小時放款 80-90%，即解鎖約 HKD 6,000 萬營運資金，讓您即時承接新訂單而無需等待買家找數。
If your monthly export volume is HKD 25M with 90-day terms, traditional banks take 2-3 months and require property collateral. We advance 80-90% within 24-36 hours, unlocking approx HKD 60M working capital immediately.
Q12. 出口 factoring 同銀行貸款有咩分別？
Q12. Export factoring vs bank loans?
銀行看資產抵押，我們看買方信用。銀行 2-3 個月審批，我們 24-36 小時。無需物業抵押。
Banks require collateral; we underwrite on buyer credit. Banks take 2-3 months; we fund in 24-36 hours. No property mortgage needed.
Q13. Factoring 買斷同不買斷有咩分別？
Q13. Recourse vs non-recourse factoring?
買斷（Non-Recourse）：保險公司承擔壞帳風險。不買斷（Recourse）：賣方回購逾期帳款。
Non-recourse: insurance covers buyer default. Recourse: seller buys back overdue invoices. We offer both options.
Q14. Factoring 額度上限？
Q14. Factoring facility limits?
一般 HKD 500 萬至 5,000 萬，按買方信用評級及貿易量動態調整。
Typically HKD 5M-50M, dynamically adjusted based on buyer credit profile and trade volume.
Q15. 你哋嘅 factoring 係咪放債業務？
Q15. Is your factoring service a money lending business?
不是。我們的服務屬應收帳款轉讓，不屬《放債人條例》（第163章）約束的放債業務。
No. Our service is accounts receivable assignment, not money lending under the Money Lenders Ordinance (Cap. 163).
Q16. 新公司可以申請 factoring 嗎？
Q16. Can a new company apply for factoring?
可以，但需要有一定貿易紀錄。我們按個案審查，不設硬性年資門檻。
Yes, but some trading history is needed. We review on a case-by-case basis with no strict tenure requirement.
Q17. PayCargo 係咩？
Q17. What is PayCargo?
物流數字支付平台，支援銀行轉賬、信用卡、八達通、微信支付、支付寶。即時提單放行，自動對帳。
A digital payment platform for logistics. Supports bank transfer, credit card, Octopus, WeChat Pay, and Alipay. Instant freight release and automated reconciliation.
Q18. PayCargo 同傳統轉賬有咩分別？
Q18. How is PayCargo different from bank transfers?
傳統：人手對數→3-5 天到帳→人工核銷。PayCargo：自動對帳→即時付款→自動核銷。節省高達 95% 工時。
Traditional: manual matching → 3-5 day settlement → manual reconciliation. PayCargo: auto-matching → instant payment → auto-reconciliation. Saves up to 95% labor.
Q19. PayCargo 可以節省幾多成本？
Q19. How much can PayCargo save me?
實證顯示：UK Forwarder Group 每月回收 800 小時人力，10,000+ 簽收單 100% 無人工干預。對每月 3,000 張發票的貨代，PayCargo 可節省約 725 小時/月（4.5 個全職人力），同時將 DSO 縮短 5-10 天。
Verified: UK Forwarder Group recovered 800 hours/month, 10,000+ PODs fully touchless. For a forwarder with 3,000 monthly invoices, PayCargo saves approx 725 hours/month (4.5 FTEs) and reduces DSO by 5-10 days.
Q20. PayCargo 支援咩支付方式？
Q20. What payment methods does PayCargo support?
銀行轉賬（本地）、信用卡（全球）、八達通、微信支付、支付寶。
Bank transfer (local), credit card (global), Octopus, WeChat Pay, and Alipay.
Q21. PayCargo Document AI 係咩？
Q21. What is PayCargo Document AI?
智能文件解析系統，自動提取提單、發票、裝箱單等數據，準確率 >95%。
Intelligent document processing system that extracts data from B/L, invoices, packing lists with >95% accuracy.
Q22. PayCargo 可以對接咩系統？
Q22. Which systems does PayCargo integrate with?
CargoWise、Descartes、Magaya、GoFreight 等主流 ERP/TMS 系統。
CargoWise, Descartes, Magaya, GoFreight, and other major ERP/TMS platforms.
Q23. 你哋提供咩會計服務？
Q23. What accounting services do you offer?
法定審計、簿記、利得稅報稅、公司成立、公司秘書、MPF 諮詢、勞工保險諮詢。
Statutory audit, bookkeeping, profits tax filing, company incorporation, company secretarial, MPF advisory, and employee insurance advisory.
Q24. 你哋嘅 MPF 服務係咪你提供？
Q24. Do you provide MPF services directly?
MPF 諮詢由持牌董事陳玉蘭女士（保監局 IM2750）獨立提供，非本公司直接經營。
MPF advisory is independently provided by licensed Director Ms. CHAN Yuk Lan (IA Lic: IM2750), not by our company directly.
Q25. 你哋嘅保險服務係咪你提供？
Q25. Do you provide insurance services directly?
保險諮詢由陳玉蘭女士以持牌保險中介人身份獨立提供，本公司僅提供聯絡引薦。
Insurance advisory is independently provided by Ms. CHAN Yuk Lan as a licensed insurance intermediary. We provide referral only.
Q26. 你哋有咩認證？
Q26. What certifications do you hold?
IATA CEIV 獨立驗證員、HKCAD RA/RACSF 顧問、PayCargo 官方對接夥伴。
IATA CEIV Li-Batt Lead Validator, HKCAD RA/RACSF advisor, PayCargo official HK partner.
Q27. 邊啲行業最適合你哋服務？
Q27. Which industries benefit most from your services?
航空物流（RAR/RACSF 合規）、電子/半導體出口（factoring）、跨境電商物流（PayCargo）、高價值貨物運輸（TAPA FSR 審計）、製藥及鋰電池（CEIV 認證）。我們專注服務 B2B 跨境貿易相關企業。
Air cargo logistics (RAR/RACSF compliance), electronics/semiconductor exporters (factoring), cross-border e-commerce logistics (PayCargo), high-value cargo transport (TAPA FSR audit), pharmaceuticals and lithium batteries (CEIV certification). We focus on B2B cross-border trade.
Q28. 你哋點確保合規？
Q28. How do you ensure compliance?
我們跟進最新民航處通告、IATA 標準及香港法例（PDPO、放債人條例）。所有文件經內部 QA 審查，錯誤率低於 1%。我們的審計背景確保每份文件符合監管機構要求。
We track the latest HKCAD notices, IATA standards, and Hong Kong legislation (PDPO, Money Lenders Ordinance). All documents undergo internal QA review with <1% error rate. Our audit background ensures every document meets regulatory requirements.
Q29. 用你哋服務嘅投資回報？
Q29. What is the ROI of using your services?
Factoring 客戶即時解鎖 80-90% 應收帳款，無需稀釋股權。RAR 申請客戶平均節省 2-3 個月審批時間，早日營運。PayCargo 客戶節省 95% 對帳工時。綜合而言，客戶一般在首 3 個月內回本。
Factoring clients unlock 80-90% of receivables immediately with no equity dilution. RAR clients save 2-3 months of approval time. PayCargo clients save 95% of reconciliation labor. Most clients recoup their investment within the first 3 months.
Q30. 你哋做咩地區？
Q30. Which regions do you serve?
主要服務香港，涵蓋大灣區、中國內地、東南亞及北美貿易走廊。
Primarily Hong Kong, covering GBA, Mainland China, Southeast Asia, and North America trade corridors.
