The interest rate on private loans in the Mainland has dropped recently; meanwhile Shenzhen has introduced a new personal bankruptcy law. Both these changes could create new challenges for Hong Kong businesses operating on the Mainland. Wilson Yan and Bernard Lam, Advisors from Gold Partners Holdings, shared their thoughts on the impact of these changes at a webinar on 4 November. Yan predicted that Shenzhen’s new law would eventually be extended to the entire nation. Lam explained the differences between the personal bankruptcy laws in Hong Kong and Shenzhen, and highlighted a few key aspects of the laws that businesses should be aware of.