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Honglei ZHAO
Non-equity Partner / Beijing
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Tel +86-10-5975-2393
Email zhaohonglei@zhonglun.com
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Practices
Financial Products & Trusts, Debt Restructuring & Non-performing Assets, Litigation & Arbitration
Honglei ZHAO
Ms. Zhao specializes in asset securitization, trust products, structured financing and the disposal of non-performing financial assets. She has focused on securitization and the disposal of non-performing financial assets for more than 10 years. She has led numerous pioneering projects in China's market, including the first residential mortgage-backed non-performing loan securitization project, the first credit card non-performing loan securitization project, and the first RMBS project with an international AAA rating. Ms. Zhao's clientele includes major commercial banks such as China Construction Bank, Industrial and Commercial Bank of China, China Merchants Bank, China Everbright Bank, and Ping An Bank, as well as trust companies, securities firms, auto finance companies, consumer finance companies, and large internet technology platforms like JD.com. She provides professional and meticulous legal services in the areas of securitization, credit asset circulation, and non-performing asset disposition and earns widespread recognition and long-term trust from her clients.
Representative Matters
Asset Securitization Representative Achievements
Provided legal services to China Construction Bank in Jianxin 2016 Second Phase Non-Performing Asset Securitization Project (the first residential mortgage-backed non-performing loan securitization project)
Provided legal services to China Merchants Bank in He Cui 2016 First Phase Non-Performing Asset Securitization Project (the first credit card non-performing asset securitization project)
Provided legal services to China Construction Bank in Jianyuan 2018 Eleventh Phase Personal Housing Mortgage Loan Securitization Project (the first RMBS project with an international AAA rating)
Provided legal services to China Construction Bank in Feichijinapu 2020 to 2024 Micro and Small Enterprise Loan Securitization Project
Provided legal services to China Construction Bank in Jianyuan Series 2016-2021 residential mortgage-backed non-performing Loan Securitization Project
Provided legal services to China Construction Bank in Jianxin Series 2016-2024 Non-Performing Asset Securitization Project
Provided legal services to Industrial and Commercial Bank of China in Gongyuan 2017 Seventh Phase Non-Performing Asset Securitization Project
Provided legal services to China Minsheng Banking Corporation in Hongfu 2018 First Phase Non-Performing Asset Securitization Project
Provided legal services to China Merchants Bank in Hecui Series 2016-2024 Non-Performing Asset Securitization Project
Provided legal services to China Merchants Bank in Hexin Series 2017-2023 Auto Installment Asset Securitization Project
Provided legal services to Fortune Auto Finance Company in 2016 First Phase Personal Auto Mortgage Loan Securitization Project
Provided legal services to Home Credit Consumer Finance in 2016 First Phase and 2017 1st-4th Phase Consumer Loan Securitization Project
Provided legal services to China Everbright Bank in 2022-2024 Fuxin Series Non-Performing Asset Securitization Project
Provided legal services to Gaohe China Merchants - Jinmao Kai Chen Asset-Backed Special Plan Project
Provided legal services to the Pacific Securities Xinyuan Water Treatment Service Charge Revenue Rights Asset-Backed Special Plan Project
Provided legal services to the Huifu Huatai Asset Management - China Re-Resources Waste Electrical and Electronic Products Treatment Fund Revenue Rights Asset-Backed Special Plan Project
Provided legal services to the Ehuang Yangtze River Bridge Vehicle Toll Asset-Backed Special Plan Project
Provided legal services to the Huatai - Tencent New Sharing - Uxin Auto Financing Lease Phase One Asset-Backed Special Plan Project
Credit Asset Circulation and Disposal of Non-Performing Financial Asset Representative Achievements
Provided legal services to China Construction Bank in Jianying 2016 First Phase residential mortgage-backed non-performing Loan Circulation Project
Provided legal services to Agricultural Bank of China in Nongying 2016 First Phase Credit Asset Circulation Project
Provided legal services to Ping An Bank in Pingyin 2017 First Phase Credit Asset Circulation Project.
Provided legal services to China Construction Bank in 2021-2022 Retail Non-Performing Loan Batch Transfer Project
Provided legal services to China Everbright Bank in 2023-2024 Credit Card Non-Performing Asset Batch Transfer Project
Provided legal services to CITIC Consumer Finance in 2024 First Phase Non-Performing Consumer Loan Batch Transfer Project
Other Achievements
Provided consulting services to Tencent Technology (Shenzhen) Co., Ltd. from 2016 to 2020
Provided consulting services in the field of internet consumer finance for Guazi Financial Leasing (China) Co., Ltd. in 2019
Publications
"Research on the Current Status of Credit ABS Project Liquidation"( co-authored), published in Bonds, September 2022
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Bar Admissions/Professional Qualifications
PRC Bar, 2019
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Education
LL.M. in Civil and Commercial Law, China University of Political Science and Law, 2013 - 2016
LL.B., Law School, China University of Political Science and Law, 2009-2013 -
Professional Experience
Non-equity partner, and associate, Zhong Lun Law Firm, 2016 to present
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Languages
Chinese
English