证券代码：830799 证券简称：艾融软件 公告编号：2022-103 上海艾融软件股份有限公司 关于接待机构投资者调研情况的公告 | --- | |--------------------------------------------------------------------| | | | 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假 | | 记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 | | 担个别及连带法律责任。 | 上海艾融软件股份有限公司（以下简称"公司"）于 2022 年 11 月 29 日接 待了 1 家机构的调研，现将主要情况公告如下： 一、 调研情况 调研时间：2022 年 11 月 29 日 调研地点：上海市浦东新区陆家嘴环路 958 号华能联合大厦 403 室公司会议 室 调研形式：现场调研 调研机构：兴业证券股份有限公司 上市公司接待人员：董事会秘书兼财务总监王涛先生、研究院首席咨询专家 王兵先生 二、 调研的主要问题及公司回复概要 问题 1：金融信创的推进是否会给公司带来新的增长机会？ 回答：公司所在金融科技行业市场空间本身规模较大， ...

Group 1: Company Performance and Growth - The company reported a revenue growth of over 50% for both the 2021 annual report and the first quarter of 2022, driven by an expanding business scale and increased demand for financial technology [3][4]. - The company secured multiple projects with banks in 2021, contributing to a robust order backlog [3]. - The company has intensified investments in technology research and development, recruitment, and training to enhance capacity [4]. Group 2: Impact of COVID-19 - Short-term impacts of the pandemic were acknowledged, but the company managed to adapt through remote service delivery, minimizing disruptions [4]. - Long-term, the pandemic is expected to accelerate the digital transformation of financial institutions, creating opportunities for the company to expand its market presence [4]. Group 3: Competitive Landscape - The domestic financial IT market is becoming increasingly competitive, with local firms dominating and market concentration rising [5]. - The company aims to leverage its deep understanding of financial institutions and its technological capabilities to gain a competitive edge and increase market share [5]. Group 4: Financial Innovation and New Ventures - The company has established a subsidiary focused on financial innovation, which has seen significant revenue growth due to the increasing demand for domestic technology solutions [6][7]. - The integration of financial innovation services with existing software solutions is expected to create new business opportunities [7]. Group 5: Future Industry Expansion - The company plans to expand into the automotive digitalization sector, leveraging its expertise in high-quality software delivery [8]. - Future strategies will focus on exploring new emerging business areas with substantial application software delivery needs [8].

证券代码：830799 证券简称：艾融软件 公告编号：2022-100 上海艾融软件股份有限公司 关于接待机构投资者调研情况的公告 | --- | |--------------------------------------------------------------------| | | | 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假 | | 记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 | | 担个别及连带法律责任。 | 上海艾融软件股份有限公司（以下简称"公司"）于 2022 年 11 月 16 日接 待了 2 家机构的调研，现将主要情况公告如下： 一、 调研情况 调研时间：2022 年 11 月 16 日 调研地点：公司会议室 调研形式：现场调研 调研机构：国联证券股份有限公司、华福证券有限责任公司 上市公司接待人员：董事会秘书兼财务总监王涛先生、研究院首席咨询专家 王兵先生 二、 调研的主要问题及公司回复概要 问题 1：金融信创未来的推进趋势会是怎么样的？ 回答：作为国家重点战略布局方向，金融信创势在必行。创新金融业务的 发展，对 IT 系统的性能、容 ...

Financial Performance - Operating revenue for the first nine months of 2022 reached CNY 408,627,747.56, representing a 42.62% increase year-over-year[15]. - Net profit attributable to shareholders for the first nine months of 2022 was CNY 31,502,439.27, a slight increase of 0.52% compared to the same period last year[15]. - Operating revenue for the third quarter of 2022 was CNY 155,677,696.91, a 49.74% increase compared to CNY 103,966,125.35 in the same quarter of the previous year[15]. - The total profit for the first nine months of 2022 was CNY 20,912,549.02, down from CNY 35,970,669.42 in the same period of 2021, representing a decline of 41.8%[78]. - Net profit for Q3 2022 was ¥14,412,927.82, compared to ¥13,130,650.12 in Q3 2021, marking an increase of 9.7%[74]. Assets and Liabilities - Total assets as of September 30, 2022, amounted to CNY 688,487,637.49, reflecting a 0.67% increase compared to the end of the previous year[15]. - The company’s total liabilities to assets ratio (consolidated) as of September 30, 2022, was 50.87%, up from 49.91% at the end of the previous year[15]. - Total liabilities increased to CNY 350,249,531.37 from CNY 341,320,920.65, indicating a growth of about 2.7%[69]. - The company's equity decreased slightly to CNY 338,238,106.12 from CNY 342,592,162.52, a decline of approximately 1.3%[69]. - The company reported a short-term loan of CNY 227,901,699.72, up from CNY 195,251,702.31, reflecting an increase of about 16.7%[68]. Cash Flow - The company reported a significant decline in net cash flow from operating activities, with a net outflow of CNY 121,400,693.27, a decrease of 163.45% year-over-year[15]. - Cash outflow for purchasing goods and services increased by 63.14% year-on-year, primarily due to increased hardware procurement[19]. - Cash inflow from investment recoveries increased by 66.58% year-on-year, rising by 103 million yuan, mainly due to the maturity of time deposits[19]. - The ending cash and cash equivalents balance decreased to 106,886,019.98 yuan from 160,979,379.24 yuan in 2021, a drop of approximately 33.6%[84]. - Cash inflow from borrowing was 305,000,000.00 yuan, compared to 194,950,000.00 yuan in 2021, marking an increase of about 56.6%[84]. Expenses - Sales expenses for the first nine months of 2022 increased by 32.88% year-on-year, with a 37.32% increase in Q3, primarily due to business growth and new sales expenses for Liyang software amounting to nearly 500,000 yuan[19]. - Management expenses for the first nine months of 2022 rose by 42.75% year-on-year, with a 47.04% increase in Q3, mainly due to new management expenses for Liyang software close to 4.8 million yuan and increased office renovation costs[19]. - R&D expenses for the first nine months of 2022 grew by 40.85% year-on-year, with a 41.10% increase in Q3, primarily due to new R&D expenses for Liyang software of approximately 8.3 million yuan and salary increases for R&D personnel[19]. - Financial expenses for the first nine months of 2022 surged by 702.36%, increasing by 3.8 million yuan, with a 389.64% increase in Q3, mainly due to increased use of short-term loans impacted by the pandemic[19]. Shareholder Commitments - The company has committed to avoiding any business activities that may compete with its operations, as per the commitments made by shareholders and executives prior to listing[38]. - The controlling shareholders Zhang Yan and Wu Zhen committed to not transferring or entrusting the management of their shares for 12 months after the company enters the selected layer[40]. - The commitments made by shareholders are irrevocable and will not be affected by changes in their positions or departure from the company[42]. - If any commitments are proven untrue or not complied with, the proceeds from the sale of shares will belong to the company[42]. - The company will ensure compliance with all relevant laws and regulations regarding share transfers and lock-up periods[41]. Research and Development - The company has committed to enhancing its research and development capabilities to improve product and service offerings[52]. - Research and development expenses for Q3 2022 were ¥20,135,999.43, up from ¥14,270,488.32 in Q3 2021, representing a 41.1% increase[73]. - Research and development expenses increased to CNY 40,435,185.47 in the first nine months of 2022, up from CNY 33,605,949.86 in the same period of 2021, indicating a growth of 20.5%[77]. Investment and Profit Distribution - The company plans to enhance investment returns by ensuring the implementation of fundraising projects, which are expected to significantly improve profitability[52]. - The company has established a profit distribution policy to ensure reasonable returns for investors, including a commitment to cash dividends[54]. - The company has pledged to repay investors in case of any losses caused by false statements or omissions in the stock issuance documentation[55].

Patent and Technical Developments - In the first half of 2022, the company was granted a patent for a database access method and system[5]. - The company won a technical service procurement project for facial recognition and live authentication for Shanghai Rural Commercial Bank in June 2022[6]. - The company has developed a comprehensive internet financial solution platform, SQUARE, integrating advanced technologies such as big data and artificial intelligence[36]. - The company completed the upgrade and development of 5 software products, further enriching its internet financial platform product system[43]. - The company holds a total of 14 software technology invention patents and 308 computer software copyrights, with 5 new software copyrights obtained during the reporting period[38][43]. Financial Performance - The company's operating revenue for the current period is CNY 252,950,050.65, representing a 38.57% increase compared to CNY 182,546,772.24 in the same period last year[28]. - The net profit attributable to shareholders of the listed company decreased by 5.58% to CNY 17,425,060.38 from CNY 18,454,043.57 year-on-year[28]. - The total assets increased by 8.00% to CNY 738,655,464.13, up from CNY 683,913,083.17 at the end of the previous year[29]. - The total liabilities rose by 21.35% to CNY 414,205,480.53, compared to CNY 341,320,920.65 at the end of the previous year[29]. - The company's cash flow from operating activities showed a net outflow of CNY 80,646,325.04, worsening by 40.38% from a net outflow of CNY 57,448,347.15 in the previous year[30]. - The company reported a gross profit margin of 32.50%, down from 35.46% in the previous year[28]. - Operating profit for the same period was 16.97 million yuan, a decrease of 13.57% compared to the previous year, while net profit was 17.63 million yuan, down 4.37% year-on-year[44]. Client Dependency and Market Challenges - The company has a high dependency on major clients, with significant revenue coming from long-term cooperation with Industrial and Commercial Bank of China[12]. - The company anticipates challenges in maintaining revenue growth as it scales its operations, with potential impacts from changes in macro policies affecting the banking sector[13]. - There is a risk of revenue or profit not being able to sustain growth due to potential changes in macro policies or banking management systems affecting demand for the company's products and services[86]. - The company is actively expanding its client base across different industries to mitigate risks associated with dependency on major clients[86]. Employee Management and Incentives - The company is implementing employee incentive programs to retain core technical personnel and reduce the risk of talent loss[13]. - The core team remains stable, but the company plans to implement employee incentive programs to retain key personnel and reduce the risk of talent loss[89]. - The company has established a stable core management team and is enhancing its talent training system to improve professional technical capabilities[43]. Industry Trends and Market Growth - The financial technology sector is experiencing increased demand for digital transformation, with banks focusing on online and intelligent financial services[42]. - The banking sector's IT investment is the largest among financial industries, with a significant increase in demand for information technology solutions[46]. - The overall IT investment in China's banking industry reached CNY 231.9 billion in 2021, marking a 21.65% increase from 2020[51]. - The average annual compound growth rate for the banking IT solutions market is projected to be 23.55% from 2022 to 2026, with an expected market size of CNY 139.01 billion by 2026[53]. Shareholder and Equity Management - The company has established a share buyback program as part of its employee incentive measures[93]. - The equity incentive plan aims to establish a long-term incentive mechanism to attract and retain talent, aligning the interests of shareholders, the company, and core team members[99]. - The company plans to repurchase shares using its own funds, with a maximum repurchase price of 25 CNY per share, aiming to buy back between 510,000 and 1,000,000 shares, representing 0.36%-0.71% of the total share capital[100]. - The company reported a profit distribution of CNY 35,012,875.00 to shareholders during the current period, highlighting its commitment to returning value to investors[195]. Compliance and Governance - The company is committed to strict compliance with laws and regulations to prevent any future capital occupation issues[105]. - The company has made commitments to avoid competition with related parties to protect shareholder interests[130]. - The company is committed to maintaining transparency in its financial reporting and adherence to regulatory requirements[109]. - The company has not engaged in any major related party transactions during the reporting period[93]. Cash Flow and Investment Activities - Cash inflow from investment activities totaled CNY 251,617,472.99, significantly higher than CNY 51,250,115.83 in the first half of 2021, marking a growth of 390.5%[182]. - Net cash flow from investment activities was CNY -46,129,187.61, compared to CNY -13,558,297.06 in the same period last year[182]. - The company reported a significant increase in cash received from investment recoveries, totaling CNY 250,000,000.00, compared to CNY 50,000,000.00 in the first half of 2021[181].

Financial Performance - Total revenue for Q1 2022 reached ¥114,255,962.43, representing a 59.18% increase compared to ¥71,779,789.56 in Q1 2021[16] - Net profit attributable to shareholders was ¥4,748,534.19, up 16.58% from ¥4,073,348.08 in the same period last year[16] - The net profit after deducting non-recurring gains and losses decreased by 30.99% to ¥2,306,060.19, down from ¥3,341,640.57 in Q1 2021[16] - Total operating revenue for Q1 2022 reached ¥114,255,962.43, a significant increase of 59.0% compared to ¥71,779,789.56 in Q1 2021[79] - Net profit for Q1 2022 was ¥4,680,307.76, representing a 9.6% increase from ¥4,270,008.60 in Q1 2021[81] - Total comprehensive income decreased from 3,864,491.29 to 3,339,409.58, representing a decline of approximately 13.6%[85] Assets and Liabilities - The company's total assets increased by 3.33% to ¥706,713,180.83 as of March 31, 2022, compared to ¥683,913,083.17 at the end of 2021[16] - Total assets reached CNY 706.71 million, up from CNY 683.91 million, indicating a growth of about 3.3%[72] - Total liabilities increased to CNY 358.97 million from CNY 341.32 million, reflecting a growth of about 5.0%[73] - The total liabilities increased to ¥332,875,086.84 in Q1 2022, compared to ¥311,679,549.52 in Q1 2021, reflecting a growth of 6.5%[80] Cash Flow - The net cash flow from operating activities showed a net outflow of ¥89,860,493.36, worsening by 50.98% compared to the previous year's outflow of ¥59,517,752.21[16] - Operating cash inflow increased to 44,951,292.19 from 35,187,069.05, marking a growth of about 27.5%[86] - Cash flow from investment activities showed a net outflow of -20,405,686.89, slightly improved from -21,958,046.23[88] - Cash flow from financing activities generated a net inflow of 16,599,463.22, down from 29,646,566.31[88] - The net cash increase for the period was -93,666,717.03, compared to -51,829,232.13 in the previous year[88] Shareholder Information - The total number of ordinary shareholders was 6,977 as of the report date[23] - Major shareholders include Wu Zhen with 24.33% and Meng Qingyou with 15.82%, collectively holding 78.14% of shares[26] - The company plans to repurchase between 510,000 and 1,000,000 shares at a price not exceeding 25 CNY per share, representing 0.36%-0.71% of total shares[31] - As of January 27, 2022, the company repurchased 581,750 shares at an average price between 15.43 CNY and 18.25 CNY, totaling approximately 9.97 million CNY[32] Commitments and Compliance - The company has not engaged in any litigation, external guarantees, or significant related party transactions during the reporting period[29] - The company has committed to avoiding any business activities that may compete with its operations, as per the commitments made by its major stakeholders[34] - The company has not disclosed any major events or compliance issues during the reporting period[29] - The company reserves the right to deduct amounts from dividends or other payments if commitments are not fulfilled[40] Operational Challenges - Increased personnel costs and management expenses due to business expansion impacted the gross profit margin negatively[18] - The ongoing COVID-19 pandemic in Shanghai affected cash collection, leading to higher credit impairment losses[18] - The company reported a credit impairment loss of ¥-4,070,272.20 in Q1 2022, worsening from ¥-2,239,247.41 in Q1 2021[80] Investment and Growth Strategy - The company plans to enhance investment returns by ensuring the implementation of fundraising projects, which are expected to substantially improve profitability if executed successfully[51] - The company aims to maintain and develop its existing business by enhancing product and service development capabilities, focusing on online financial services[53] - The company will strengthen the management of raised funds by storing them in a designated account to ensure they are used exclusively for their intended purpose[52] Internal Controls and Management - The company will improve internal controls and management levels to enhance operational efficiency and the reliability of financial reporting[54] - The company has established a long-term incentive mechanism to attract and retain talent, which includes stock repurchase plans[31]

Company Achievements and Certifications - In January 2021, the company achieved the highest level five certification (CMMI5) in the international authoritative software capability maturity model[5]. - The company successfully passed the ISO27001 information security management system certification in May 2021[6]. - The company has achieved CMMI5 certification and multiple ISO certifications, ensuring high-quality service delivery[50]. Financial Performance - The company's operating revenue for 2021 was CNY 421,448,928.49, representing a 53.14% increase compared to CNY 275,208,137.43 in 2020[30]. - The net profit attributable to shareholders for 2021 was CNY 50,380,265.77, a 5.95% increase from CNY 47,549,113.73 in 2020[30]. - The total assets at the end of 2021 reached CNY 683,913,083.17, a 57.77% increase from CNY 433,474,012.35 at the end of 2020[31]. - The total liabilities surged to CNY 341,320,920.65, marking a 421.65% increase from CNY 65,430,432.19 in 2020[31]. - The company's gross profit margin decreased to 34.09% in 2021 from 42.06% in 2020[30]. - The cash flow from operating activities in 2021 was CNY 12,865,372.67, down 71.31% from CNY 44,838,319.16 in 2020[34]. - The weighted average return on equity for 2021 was 14.46%, down from 19.04% in 2020[30]. - The company's total asset growth rate for 2021 was 57.77%, compared to 54.35% in 2020[35]. - The company's debt-to-asset ratio increased to 49.91% in 2021 from 15.09% in 2020[31]. - The basic earnings per share remained unchanged at 0.36 in 2021 compared to 2020[30]. Client Relationships and Market Expansion - The company has a high revenue dependency on major clients, particularly Industrial and Commercial Bank of China, which poses a risk if contracts are not renewed[16]. - The company expanded its client base to include Shanghai Automotive Group, enhancing its service offerings in the automotive software sector[50]. - The company maintained long-term partnerships with major clients, including a new three-year contract with Industrial and Commercial Bank of China for software development services[58]. - Major clients accounted for 79.60% of total sales, with the largest client contributing ¥211.86 million, representing 50.27% of total sales[96]. Research and Development - The company developed and upgraded a total of 78 software products in 2021, including the launch of the "Airong Digital Human Software," which integrates AI and VR technologies[57]. - Research and development expenses rose by 29.85% to ¥49,508,946.27, reflecting the company's commitment to innovation[82]. - The total number of R&D personnel increased from 320 to 561, with R&D staff now representing 27.51% of total employees[119]. - The company is investing in research and development of new technologies such as big data, artificial intelligence, and blockchain to enhance its product offerings and improve financial service efficiency[145]. Risks and Challenges - The company faces risks related to technology iteration, which could impact its ability to meet evolving financial IT demands[15]. - There is a risk of revenue or profit not being able to sustain growth due to increasing business scale and potential changes in macro policies affecting the banking sector, which could impact demand for the company's products and services[152]. - The company is aware of risks such as market competition and reliance on major clients, which could impact its future operations and revenue[150][151]. Stock and Incentive Plans - In July 2021, the company implemented a stock incentive plan, granting 762,000 restricted shares to 70 core employees and executives[6]. - The company plans to implement a stock incentive plan, granting 858,000 restricted shares to 84 core employees, approved on June 28, 2021[166]. - The stock buyback plan allows for repurchasing between 510,000 and 1,000,000 shares, representing 0.68%-1.34% of the total share capital[169]. Acquisitions and Subsidiaries - The company acquired its subsidiary, Shanghai Liyang Software Co., Ltd., in November 2021, indicating a strategy for market expansion[8]. - The company made a significant equity investment of ¥130 million in Shanghai LiYang Software Co., aiming to enhance market share and operational scale[104]. - The acquisition aims to optimize customer structure and achieve economies of scale to reduce costs and enhance market competitiveness[165]. Corporate Governance and Compliance - The company is committed to enhancing its governance structure and adhering to internal control systems, aiming to contribute positively to employment and employee welfare[134]. - The company has established internal control systems to mitigate market and management risks associated with the acquisition[165]. - The company has committed to maintaining transparency and notifying the market 15 trading days in advance of any planned share reductions by major shareholders[180]. Future Outlook - The company anticipates continued disruptions from the pandemic and potential restructuring of the international political and economic landscape, impacting global economic growth[138]. - The company expects a surge in demand for digital transformation in the financial sector, with a shift from retail to corporate services and from transaction processing to business operations[141]. - The company aims to enhance its large-scale software delivery capabilities to meet the growing demand for digital transformation in financial institutions, building on the general resource orders obtained in 2021[144].

证券代码：830799 证券简称：艾融软件 公告编号：2022-007 上海艾融软件股份有限公司 关于接待机构投资者调研情况的公告 | --- | |------------------------------------------------------------------------| | | | 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 | | 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连 | | 带法律责任。 | 上海艾融软件股份有限公司（以下简称"公司"）于 2022 年 3 月 24 日、3 月 28 日接待了 26 家机构的调研，现将主要情况公告如下： 一、 调研情况 调研时间：2022 年 3 月 24 日至 2022 年 3 月 28 日 调研形式：网络调研 调研机构：安信证券股份有限公司、申万宏源证券有限公司、国泰君安证券 股份有限公司、东方证券股份有限公司、民生证券股份有限公司、万和证券股份 有限公司、国元证券股份有限公司、中泰证券股份有限公司、东吴证券股份有限 公司、华鑫证券有限责任公司、江海证券有限公司、英大保险资产管理有限 ...

证券代码：830799 证券简称：艾融软件 公告编号：2021-089 上海艾融软件股份有限公司 关于接待机构投资者调研情况的公告 | --- | --- | |------------------------------------------------------------------------|-------| | | | | 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 | | | 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连 | | | 带法律责任。 | | 上海艾融软件股份有限公司（以下简称"公司"）于 2021 年 11 月 18 日前 接待了 13 家机构的调研，现将主要情况公告如下： 一、 调研情况 调研时间：2021 年 11 月 17 日至 2021 年 11 月 18 日 调研形式：电话及现场调研 调研机构：安信证券股份有限公司、湘财证券股份有限公司、中泰证券股份 有限公司、万家基金管理有限公司、中信建投基金管理有限公司、红塔红土基金 管理有限公司、光大保德信基金管理有限公司、中信资产管理有限公司、中国国 际金融股份有限公司、深圳 ...