UNITED
STATES
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
FORM
6-K
REPORT
OF FOREIGN PRIVATE ISSUER
PURSUANT TO RULE 13a-16 OR 15d-16 OF
THE SECURITIES EXCHANGE ACT OF 1934
For
the month of November 2026
Commission
file number: 001-38726
CNFinance
Holdings Limited
(Exact
Name of Registrant as Specified in Its Charter)
22/F,
South Finance Center, No. 7 Chunrong Road
Tianhe
District, Guangzhou City, Guangdong Province
People’s
Republic of China
+86-20-62316688
(Address of Principal Executive Offices)
Indicate
by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.
Form
20-F ☒ Form 40-F ☐
INFORMATION
CONTAINED IN THIS REPORT ON FORM 6-K
Change
in Registrant’s Certifying Accountants
CNFinance
Holdings Limited (the “Company”) announced the change of auditor, effective November 13, 2026. HTL International, LLC (“HTL”)
has served as the Company’s independent registered public accounting firm since December 2024. HTL declined to stand for re-election
to serve as the independent registered public accounting firm for the audits of the Company’s financial statements for the financial
year ending December 31, 2026. The decision was not a result of any disagreement between the Company and HTL on any matter of accounting
principles or practices, financial statement disclosure, or auditing scope or procedure. The audit committee of the Company’s Board
of Directors has approved the change of auditor and appointed Guangdong Prouden CPAs GP (“Prouden”) as the Company’s
independent registered public accounting firm for the fiscal year ended December 31, 2026.
Prouden
succeeds HTL, the Company’s previous independent registered public accounting firm. The reports of HTL on the Company’s consolidated
financial statements for each of the fiscal years ended December 31, 2024 and 2025 did not contain an adverse opinion or a disclaimer
of opinion and were not qualified or modified as to uncertainty, audit scope or accounting principle.
During
each of the fiscal years ended December 31, 2024 and 2025 and the subsequent period through November 13, 2026, there have been no disagreements
between the Company and HTL on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or
procedure, which disagreements, if not resolved to the satisfaction of HTL, would have caused HTL to make reference to the subject matter
of the disagreements in its report on the consolidated financial statements, and there have been no “reportable events” as
the term is described in Item 16F(a)(1)(v) of Form 20-F.
The
Company had provided HTL with a copy of the disclosure it is making in this Current Report on Form 6-K and requested from HTL a letter
addressed to the Securities and Exchange Commission indicating whether it agrees with such disclosure. A copy of HTL’s letter dated
November 13, 2026 is attached hereto as Exhibit 16.1.
During
each of the fiscal years ended December 31, 2024 and 2025 and the subsequent period through November 13, 2026, neither the Company, nor
anyone on behalf of the Company, has consulted Prouden regarding either (a) the application of accounting principles to a specified transaction,
either completed or proposed; or the type of audit opinion that might be rendered on the Company’s consolidated financial statements,
and neither a written report was provided to the Company or oral advice was provided that Prouden concluded was an important factor considered
by the Company in reaching a decision as to the accounting, auditing or financial reporting issue; or (b) any matter that was the subject
of a disagreement as defined in Item 16F(a)(1)(iv) of Form 20-F and related instructions to Item 16F of Form 20-F, or any reportable
events as described in Item 16F(a)(1)(v) of Form 20-F.
INCORPORATION
BY REFERENCE
This
report on Form 6-K shall be incorporated by reference into the Company’s registration statement on Form F-3, as amended, which
became effective on August 14, 2026 (File no. 333-293400), and be a part thereof from the date on which this report is furnished to the
SEC, to the extent not superseded by documents or reports subsequently filed or furnished.
EXHIBIT
INDEX
| Exhibit
No. |
|
Description |
| 16.1 |
|
Letter of HTL dated November 13, 2026 |
| 99.1 |
|
Press release |
Signature
Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned, thereunto duly authorized.
| |
CNFINANCE HOLDINGS LIMITED |
| |
|
|
|
| Date: November 13, 2026 |
By: |
/s/ Bin Zhai |
| |
|
Name: |
Bin Zhai |
| |
|
Title: |
Chief Executive Officer and Chairman |
Exhibit 99.1
CNFinance
Announces Change of Auditor
GUANGZHOU,
China, November 13, 2026 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) (“CNFinance” or the “Company”),
a leading home equity loan service provider in China, today announced the change of auditor, effective November 13, 2026. HTL International,
LLC (“HTL”) has served as the Company’s independent registered public accounting firm since December 2024. HTL declined
to stand for re-election to serve as the independent registered public accounting firm for the audits of the Company’s financial
statements for the financial year ending December 31, 2026. The decision was not a result of any disagreement between the Company and
HTL on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or procedure. The audit committee
of the Company’s Board of Directors has approved the change of auditor and appointed Guangdong Prouden CPAs GP (“Prouden”)
as the Company’s independent registered public accounting firm for the fiscal year ended December 31, 2026.
The
appointment of Prouden was made after a careful and thorough evaluation process and has been approved by the audit committee of the Company’s
board of directors.
Prouden
succeeds HTL, the Company’s previous independent registered public accounting firm. The reports of HTL on the Company’s consolidated
financial statements for each of the fiscal years ended December 31, 2024 and 2025 did not contain an adverse opinion or a disclaimer
of opinion and were not qualified or modified as to uncertainty, audit scope or accounting principle.
During
each of the fiscal years ended December 31, 2024 and 2025 and the subsequent period through November 13, 2026, there have been no disagreements
between the Company and HTL on any matter of accounting principles or practices, financial statement disclosure, or auditing scope or
procedure, which disagreements, if not resolved to the satisfaction of HTL, would have caused HTL to make reference to the subject matter
of the disagreements in its report on the consolidated financial statements, and there have been no “reportable events” as
the term is described in Item 16F(a)(1)(v) of Form 20-F.
The
Company is working closely with HTL and Prouden to ensure a seamless transition.
The
audit committee would like to express its sincere gratitude to HTL for its quality of services rendered to the Company over the past
years.
About
CNFinance Holdings Limited
CNFinance
Holdings Limited (NYSE: CNF) (“CNFinance” or the “Company”) is a leading home equity loan service
provider in China. CNFinance, through its operating subsidiaries in China, conducts business by connecting demands and supplies through
collaborating with sales partners and trust companies under the trust lending model, and sales partners, local channel partners and commercial
banks under the commercial bank partnership model. Sales partners and local channel partners are responsible for recommending micro-
and small-enterprise (“MSE”) owners with financing needs to the Company and the Company introduces eligible borrowers
to licensed financial institutions with sufficient funding sources including trust companies and commercial banks who will then conduct
their own risk assessments and make credit decisions. The Company’s primary target borrower segment is MSE owners who own real
properties in Tier 1 and Tier 2 cities and other major cities in China. The Company’s risk mitigation mechanism is embedded in
the design of its loan products, supported by an integrated online and offline process focusing on risks of both borrowers and collateral
and further enhanced by effective post-loan management procedures.
For
more information, please contact:
CNFinance
E-mail:
ir@cashchina.cn
