Editorial Committee
Chief Editor
Ricky CHAN FCCMA, CCP
Editorial Committee
Wynes WU FCCMA, CCP
Billy MOK
Cover Designer
Bobby ROZARIO FCCMA, MCE
Printer
Dashing Press Ltd.
Publisher
Hong Kong Credit and Collection Management Association
All rights reserved. No materials may be reprinted without the expressed permission of HKCCMA.
Hong Kong Credit and Collection Management Association
GPO Box 2679, Hong Kong
E-mail: enquiry@hkccma.com Web Site: www.hkccma.com




