股份代號： （於中華人民共和國成立的有限公司） 年報 2024 * 僅供識別 Quanzhou Huixin Micro-credit Co., Ltd.* 泉州匯鑫小額貸款股份有限公司 2024 年報 目 錄 2 公司資料 4 主席報告 5 管理層討論及分析 25 董事、監事及高級管理層 31 董事會報告 47 監事會報告 49 企業管治報告 61 環境、社會及管治報告 85 獨立核數師報告 90 綜合損益及其他綜合收益表 91 綜合財務狀況表 92 綜合權益變動表 93 綜合現金流量表 94 財務報表附註 161 財務概要 162 釋義 公司資料 董事 執行董事 吳智銳先生 （主席） 周永偉先生 顏志江先生 劉愛琴女士 非執行董事 蔣海鷹先生 蔡鎔駿先生 獨立非執行董事 鄭文堅先生 楊東先生 楊章華先生 監事 王世杰先生 （主席） 李建成先生 阮岑女士 陳金助先生 吳麟弟先生 審計委員會 提名委員會 楊章華先生 （主席） 周永偉先生 楊東先生 聯席公司秘書 顏志江先生 吳嘉雯女士 (ACG, HKACG) 授權代表 吳智銳先生 顏志江先生 註冊地址 楊東先生 （主席） 蔡鎔駿先生 鄭文堅先生 薪酬委員會 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致的任何損 失承擔任何責任。 Quanzhou Huixin Micro-credit Co., Ltd.* 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 （ 於中華人民共和國成立的有限公司） （股份代號：1577） 泉州匯鑫小額貸款股份有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈，本公司 及其附屬公司（「本集團」、「我們」或「我們的」）截至2024年12月31日止年度（「報告期間」）根 據香港會計師公會（「香港會計師公會」）頒佈的香港財務報告準則會計準則編製的經審計年 度 業 績（「 年 度 業 績 」）。 董 事 會 及 本 公 司 審 計 委 員 會（「 審 計 委 員 會 」）已 審 閱 並 確 認 年 度 業 績。除另有指明外，本公告所載所有金額均以人民幣（「人民幣」）呈列。 – 1 – 年度業績 綜合損益及其他綜合收益表 截至2024年12月31日止年度 （ 除另有說明外，所有金額均以人民幣為 ...

== 汇露川额贷款 Quanzhou Huixin Micro-credit Co., Ltd.* 泉州匯鑫小額貸款股份有限公司 (於中華人民共和國成立的有限公司) 股份代號：1577 狐 69 ( … ਹੋਇੰਡੇ ) 2024 中期報告 *僅供識別 目 錄 2 釋義 4 公司資料 6 管理層討論及分析 21 其他資料 27 獨立審閱報告 中期簡明綜合損益及其他綜合收益表 28 中期簡明綜合財務狀況表 29 中期簡明綜合權益變動表 30 31 中期簡明綜合現金流量表 32 中期簡明綜合財務資料附註 釋義 於本報告內，除文義另有所指外，以下詞彙具有下文所載的涵義。 | --- | --- | --- | |----------------------------------|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------ ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致的任何損 失承擔任何責任。 QuanzhouHuixin Micro-credit Co., Ltd. * 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 （ 於中華人民共和國成立的有限公司） （股份代號：1577） 截至2024年6月30日止六個月的 中期業績公告 泉州匯鑫小額貸款股份有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈，本公司 及其附屬公司（「本集團」、「我們」或「我們的」）截至2024年6月30日止六個月（「報告期間」） 根據香港會計師公會頒佈的香港財務報告準則（「香港財務報告準則」）編製的未經審核中期 業績（「中期業績」），連同2023年同期的比較數字。董事會及本公司審計委員會（「審計委員 會 」）已 審 閱 並 確 認 中 期 業 績 。 除 另 行 指 明 者 外 ， 本 公 告 所 載 全 部 金 額 均 以 人 民 幣（「 人 民 幣」）為單位。 – 1 – 中期業績 中期簡明綜合 ...

Financial Performance - As of December 31, 2023, the company's net interest income was RMB 139.4 million, and net profit was RMB 76.2 million, with a loan balance reaching RMB 925.9 million[10]. - The total amount of loans granted to customers was RMB 1,098.1 million, generating interest income of RMB 140.2 million during the reporting period[16]. - The company aims to continue diversified development in 2024 to provide returns to shareholders and society[12]. - Interest income for 2023 was RMB 140.2 million, slightly up from RMB 138.5 million in 2022, while net interest income increased to RMB 139.4 million from RMB 135.6 million[42]. - Net profit increased from RMB 72.4 million in 2022 to RMB 76.2 million in 2023[60]. - Total other income and gains rose from RMB 4.9 million in 2022 to RMB 6.3 million in 2023[57]. Loan Portfolio and Risk Management - The loan principal balance increased from RMB 851.7 million in 2022 to RMB 925.9 million in 2023, representing an increase of approximately 8.7%[18]. - The non-performing loan ratio decreased from 9.8% in 2022 to 7.9% in 2023, with non-performing loan balance reducing from RMB 83.6 million to RMB 72.7 million[34]. - The provision coverage ratio improved to 92.8% in 2023 from 70.0% in 2022, indicating a stronger buffer against potential loan losses[34]. - The company has maintained a focus on collateralized lending, particularly with quality residential properties and other assets[11]. - The company classified loans into five categories, with "normal" loans decreasing from 59.7% in 2022 to 51.7% in 2023, while "watch" loans increased from 30.5% to 40.4%[31]. - The loan loss provision for 2023 was RMB 67.5 million, compared to RMB 58.5 million in 2022, reflecting an increase in expected credit losses[34]. Operational Strategy and Business Development - The company has adopted a cautious operational strategy focusing on risk control while exploring new business opportunities, including distressed asset management[11]. - The company participated in the bankruptcy restructuring investment of a Sichuan enterprise to diversify income sources and optimize business structure[11]. - The company is actively researching and developing new business areas while continuing its traditional lending operations[11]. - The company primarily focuses on providing practical and flexible short-term financing solutions to local entrepreneurs, small and micro enterprises to support their ongoing development and address emerging liquidity needs[138]. Economic Environment and Challenges - The macroeconomic environment in 2023 was challenging, with geopolitical tensions and domestic policy impacts leading to decreased demand and employment pressure[10]. - The company faces regulatory risks due to the evolving laws and regulations governing the micro-lending industry, which may require substantial operational changes[146]. - The sustainability and future growth of the company depend on effectively managing credit risk and maintaining a low ratio of impaired loans[147]. - The company's existing operations are primarily located in Quanzhou, and any significant deterioration in the economic or business environment in Quanzhou could adversely affect its financial condition and operating performance[148]. Shareholder and Corporate Governance - The proposed final dividend is RMB 0.05 per share for the year ended December 31, 2023, subject to shareholder approval at the annual general meeting on June 7, 2024[159]. - The company has confirmed that all independent non-executive directors understand their responsibilities as directors of a listed issuer[175]. - Major shareholders confirmed compliance with non-competition commitments for the year ending December 31, 2023[200]. - The non-competition agreement restricts major shareholders and their affiliates from engaging in direct or indirect competition with the company's main business[200]. Employee and Management Information - The group has 51 employees as of December 31, 2023, all based in Fujian Province, with compensation aligned with Chinese laws and regulations[100]. - The company emphasizes the importance of employee development through a learning organization culture and encourages participation in professional qualifications and personal learning[11]. - The remuneration for directors and senior management is determined based on performance, operational results, and market statistics[179]. Financial Position and Assets - As of December 31, 2023, the company's equity was RMB 680 million, with a net capital of RMB 1,268.5 million, an increase from RMB 1,239.3 million in 2022[18]. - The total assets as of December 31, 2023, were RMB 1,302.9 million, a slight decrease from RMB 1,326.0 million as of December 31, 2022[68]. - The total liabilities decreased significantly from RMB 86.6 million as of December 31, 2022, to RMB 34.4 million as of December 31, 2023[68]. - The company has maintained goodwill at RMB 14.7 million as of December 31, 2023, consistent with the previous year[77].

Financial Performance - For the year ended December 31, 2023, the company reported net interest income of RMB 139,378,944, an increase of 2.1% from RMB 135,597,605 in 2022[5]. - The net profit for the year was RMB 76,189,735, representing a growth of 5.2% from RMB 72,429,360 in 2022[5]. - Basic and diluted earnings per share increased to RMB 0.10 from RMB 0.09, marking a 11.1% increase year-over-year[5]. - The company reported a pre-tax profit of RMB 99,569,043 for 2023, compared to RMB 95,627,871 in 2022, showing a growth of 2.0%[9]. - The company reported a profit attributable to ordinary shareholders of RMB 64,814,928 for 2023, an increase from RMB 60,700,176 in 2022, resulting in basic earnings per share of RMB 0.10[119]. Asset and Liability Management - Total assets as of December 31, 2023, amounted to RMB 1,302,877,545, a decrease of 1.7% from RMB 1,325,953,714 in 2022[6]. - The company's cash and cash equivalents decreased to RMB 111,484,915 from RMB 143,268,846, a decline of 22.1%[6]. - Total liabilities significantly reduced to RMB 34,356,033 from RMB 86,635,537, a decrease of 60.3%[6]. - The company's total equity increased to RMB 1,268,521,512 from RMB 1,239,318,177, reflecting a growth of 2.4%[6]. - The total loans issued by the company increased to RMB 928,988,756 as of December 31, 2023, up from RMB 857,724,076 in 2022, representing an increase of approximately 8.8%[124]. Impairment and Credit Risk - The company experienced a significant increase in impairment losses on loans and receivables, totaling RMB 26,197,544, compared to RMB 7,848,513 in the previous year, reflecting a rise of 234.5%[5]. - The total impairment loss for loans and receivables was RMB 26,197,544 in 2023, compared to RMB 7,848,513 in 2022, indicating a significant rise in credit risk provisions[108]. - The company's total expected credit loss provisions rose to RMB 67,676,412 as of December 31, 2023, compared to RMB 58,722,398 in 2022, indicating an increase of approximately 15.5%[129]. - The group categorizes loans into five risk categories: Normal, Watch, Substandard, Doubtful, and Loss, to manage credit risk effectively[179]. - The maximum credit risk exposure, excluding any collateral or credit enhancements, was reported at 987,552,530 as of December 31, 2023, compared to 945,778,581 in 2022[200]. Cash Flow and Financing Activities - Operating cash flow for 2023 was RMB 67,607,784, a decrease of 68.7% from RMB 215,189,021 in 2022[9]. - The net cash flow from investing activities in 2023 was RMB (9,355,462), compared to RMB (1,583,158) in 2022, indicating a significant increase in cash outflow[11]. - The net cash flow from financing activities decreased to RMB (77,845,293) in 2023 from RMB (111,489,197) in 2022, reflecting a reduction in financing activities[11]. - The company reported a net cash inflow of RMB 260.715 million from the sale of subsidiaries, with cash consideration received amounting to RMB 261.387 million[159]. Dividend and Shareholder Information - The company declared dividends totaling RMB 34,000,000 for the year, consistent with the previous year[7]. - The company declared a cash dividend of RMB 34.0 million for the year ended December 31, 2022, and proposed a final dividend of approximately RMB 34.0 million for 2023[116]. - As of December 31, 2023, the company has issued and fully paid 680 million ordinary shares with a par value of RMB 1 each, unchanged from 2022[153]. Compliance and Reporting Standards - The group has adopted new and revised Hong Kong Financial Reporting Standards for the current financial year, with no significant impact on the financial statements[25]. - The group has not yet adopted new standards that are issued but not yet effective, planning to apply them when they become applicable[26]. - The amendments to Hong Kong Financial Reporting Standard 16, effective from January 1, 2024, are not expected to have a significant impact on the group's financial statements[28]. Operational Insights - The company plans to continue focusing on loan issuance and improving asset quality in the upcoming year[3]. - The group’s primary revenue source remains from small loan operations, with most income generated from external customers located in Quanzhou, Fujian Province, China[101]. - The company maintained a strict control over outstanding loans to reduce credit risk, with regular reviews of overdue balances conducted by management[124]. Employee and Remuneration Information - Total remuneration for directors and supervisors amounted to RMB 3,370,563, with executive directors receiving RMB 2,745,750 in salaries and allowances[110]. - The number of highest-paid non-director and non-supervisor employees remained at 2 for both 2023 and 2022, with total remuneration of RMB 965,988 in 2023[113]. Miscellaneous Financial Information - The company recognized a government grant of RMB 3,027,697 in 2023, compared to RMB 2,953,695 in 2022, reflecting a modest increase[108]. - The income tax expense for 2023 was RMB 23,379,308, slightly higher than RMB 23,198,511 in 2022[115]. - The company incurred lease cash outflows of RMB 1.208 million in financing activities for 2023, compared to RMB 879.415 million in 2022[163].

預計負債計提 象嶼興泓科技發展有限公司(「象嶼興泓」)(作為原告)指稱·本公司(作為其股東之一)應履行其股東責任及支付出 資 金額 及 利息總計 金額 為 人 民 幣 12.9百 萬 元 · 佔 象 嶼 興 泓 股 權 的 10% · 於 象 嶼 興 泓 的 有 關 股 權 由 本 公 司 自 借 款 人 於結算 賬 面 值 為 人 民 幣 12.7 百 萬 元 的 不 良 貸 款 取 得 。 於 2021 年 11 月 · 福 建 省 廈 門 市 中 級 人 民 法 院 作 出 有 利 於 象 嶼興泓的判決(I 判決])。本公司於2021年12月就判決向福建省高級人民法院〔T福建高院 J)提出上訴。於2023年2 月 ·福建高院維持由福建省廈門市中級人民法院所作判決。於2023年3月,本公司向象嶼興泓賠付未實繳出資金 額及利息合計金額為人民幣13.2百萬元 。有關更多詳情·請參閱本報告中期簡明綜合財務資料附註8 。 或有負債 除 本 報告 「預計 負 債 所 披 露 者 外 · 我 們 截 至 2023年 6 月 30 日 並 無 重 大 或 有 負 債 。 資本 開 支 我們的資本開支主要包括()購買無形 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致的任何損 失承擔任何責任。 Quanzhou Huixin Micro-credit Co., Ltd.* 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 （於中華人民共和國成立的有限公司） （股份代號：1577） 截至2023年6月30日止六個月的 中期業績公告 泉州匯鑫小額貸款股份有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈，本公司 及其附屬公司（「本集團」、「我們」或「我們的」）截至2023年6月30日止六個月（「報告期間」） 根據香港會計師公會頒佈的香港財務報告準則（「香港財務報告準則」）編製的未經審核中期 業績（「中期業績」），連同2022年同期之比較數字。董事會及本公司審計委員會（「審計委員 會」）已審閱並確認中期業績。除文義另有所指外，本公告所載全部金額均以人民幣（「人民 幣」）為單位。 ...

張立賀先生（主席） 孫立勳先生 周永偉先生 顏志江先生 吳嘉雯女士（ACG, HKACG） 吳智銳先生 顏志江先生 總部╱中國主要營業地點 ic 露川额贷款 公司資料 吳智銳先生（董事長） 周永偉先生 顏志江先生 劉愛琴女士 獨立非執行董事 王世杰先生（主席） 李建成先生 阮岑女士 陳金助先生 吳麟弟先生 薪酬委員會 * 僅供識別 董事 非執行董事 張立賀先生 林建國先生 孫立勳先生 審計委員會 林建國先生（主席） 孫立勳先生 吳智銳先生 於2014年，中華人民共和國國家發展和改革委員會指定泉州市作為民營經濟綜合改革試點地區，推行改革計劃， 當中包括改善金融服務業，並加大對民營企業的財務支持力度及增加民營企業的可得融資資源。於2015年12月， 國務院頒佈《推進普惠金融發展規劃（2016–2020年）（國發[2015]74號）》，旨在提高普惠金融服務的質量和覆蓋率。 於2017年，泉州市政府頒佈《泉州市人民政府關於促進小額貸款公司、典當行和融資擔保公司健康持續發展的若 干意見》，鼓勵小額貸款公司發展創新業務。於2018年，泉州市金融工作局等政府部門頒佈《關於加強實體經濟金 融服務進一步緩解融資難融資貴的實施意 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不 發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內容而引致的任何損 失承擔任何責任。 Quanzhou Huixin Micro-credit Co., Ltd.* 泉 州 匯 鑫 小 額 貸 款 股 份 有 限 公 司 （於中華人民共和國成立的有限公司） （股份代號：1577） 2022年年度業績公告 及 建議修訂組織章程細則 泉州匯鑫小額貸款股份有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈，本公司 及其附屬公司（「本集團」、「我們」或「我們的」）截至2022年12月31日止年度（「報告期間」）根 據香港會計師公會（「香港會計師公會」）頒佈的香港財務報告準則（「香港財務報告準則」）編 製的經審計年度業績（「年度業績」）。董事會及本公司審計委員會（「審計委員會」）已審閱並 確認年度業績。除另有指明外，本公告所載所有金額均以人民幣（「人民幣」）呈列。 ...