证券代码：600318 证券简称：新力金融 公告编号：临 2023-047 安徽新力金融股份有限公司 第九届董事会第五次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、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责任。 一、会议召开情况 安徽新力金融股份有限公司（以下简称"公司"）第九届董事会第五次会议 于 2023 年 8 月 10 日以现场方式召开。会议通知于 2023 年 8 月 4 日以书面文件、 微信方式发出。会议由董事长孟庆立先生主持。会议应到董事 5 人，实到 5 人。 本次会议的召集、召开和表决程序符合《公司法》和《公司章程》的有关规定， 会议合法有效。 二、会议审议情况 经出席本次会议的全体董事审议，以投票表决方式全票通过以下议案： 审议通过《关于公司 2023 年半年度报告及其摘要的议案》 根据《证券法》、《公司章程》、《上海证券交易所股票上市规则（2023 年2月修订）》、中国证券监督管理委员会《公开发行证券的公司信息披露内容 与格式准则第3号—半年度报告的内容与格式（2021年修订）》、《上海证券交 易所上市公司自律监管指南第2号—业 ...

证券代码：600318 证券简称：新力金融 公告编号：临 2023-048 安徽新力金融股份有限公司 第九届监事会第五次会议决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、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责任。 一、会议召开情况 安徽新力金融股份有限公司（以下简称"公司"）第九届监事会第五次会议 于 2023 年 8 月 10 日以现场方式召开。会议通知于 2023 年 8 月 4 日以书面文件、 微信方式发出。会议由监事会主席刘洋先生主持。会议应到监事 3 人，实到 3 人。本次会议的召集、召开和表决程序符合《公司法》和《公司章程》的有关规 定，会议合法有效。 1、《公司 2023 年半年度报告》《公司 2023 年半年度报告摘要》的编制和审 议程序符合法律法规、《公司章程》和公司内部管理制度的各项规定。 2、《公司 2023 年半年度报告》《公司 2023 年半年度报告摘要》的内容和格 式符合中国证监会和上海证券交易所的各项规定，所包含的信息从各方面真实地 反映出公司报告期的经营管理和财务状况等事项。 3、在提出本意见前，未发现参与《公司 202 ...

2023 年第一季度报告 证券代码：600318 证券简称：新力金融 安徽新力金融股份有限公司 2023 年第一季度报告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、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法律责任。 重要内容提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 公司负责人、主管会计工作负责人及会计机构负责人（会计主管人员）保证季度报告中财务信息 的真实、准确、完整。 第一季度财务报表是否经审计 □是 √否 一、 主要财务数据 (一)主要会计数据和财务指标 单位：元 币种：人民币 | 项目 | 本报告期 | 本报告期比上年同期增减 变动幅度(%) | | --- | --- | --- | | 营业收入 | 79,456,767.80 | -9.98 | | 归属于上市公司股东的净利润 | 10,414,665.23 | 353.71 | | 归属于上市公司股东的扣除非经 常性损益的净利润 | 9,142,650.22 | 147.35 | | 经营活动产生 ...

证券代码：600318 证券简称：新力金融 公告编号：临 2023-022 安徽新力金融股份有限公司 关于召开 2022 年度业绩说明会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、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责任。 重要内容提示： 会议召开时间：2023 年 04 月 26 日(星期三) 下午 15:00-16:00 会 议 召 开 地 点 ： 上海证券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 （三）会议召开方式：上证路演中心网络互动 三、 参加人员 董事长、总经理：孟庆立先生 董事、财务总监、董事会秘书：董飞先生 投资者可于 2023 年 04 月 19 日(星期三) 至 04 月 25 日(星期二)16:00 前 登录上证路演中心网站首页点击"提问预征集"栏目或通过公司邮箱 xljr@xinlijinrong.cn 进行提问。公司将在说明会上对投资者普遍关注的问题 进行回答。 安徽新力金融股份有限公司（以下简称"公司"）已于 2023 ...

Financial Performance - The company reported a net profit attributable to shareholders of -138,518,175.97 RMB for the year 2022, with an undistributed profit balance of -138,776,884.28 RMB as of December 31, 2022[7]. - In 2022, the company's operating revenue decreased by 20.83% to CNY 313,023,523.55 compared to CNY 395,402,338.76 in 2021[24]. - The net profit attributable to shareholders was a loss of CNY 138,518,175.97, an improvement of 53.85% from a loss of CNY 300,122,625.26 in 2021[24]. - The basic earnings per share for 2022 was -0.27 CNY, showing a 53.45% improvement from -0.58 CNY in 2021[24]. - The company recorded a net cash flow from operating activities of CNY 325,461,529.67, an increase of 8.92% from CNY 298,820,610.42 in 2021[24]. - The total assets at the end of 2022 were CNY 4,047,866,332.76, down 6.54% from CNY 4,330,934,164.55 at the end of 2021[24]. - The company recognized goodwill impairment of CNY 107,653,800.00 during the reporting period[25]. - The company incurred a fair value loss of CNY 34,792,747.32 related to trading financial assets[29]. - The weighted average return on equity improved to -12.87% in 2022 from -27.05% in 2021, an increase of 14.18 percentage points[24]. Dividend and Profit Distribution - The board of directors proposed no cash dividend distribution or capital reserve transfer to increase share capital for the year 2022 due to the negative net profit[7]. - The company will not distribute cash dividends or convert capital reserves into share capital for the 2022 fiscal year, as approved by the board and supervisory committee[124]. Operational Risks and Management - The company operates in various sectors including financing guarantees, microloans, financing leasing, pawn services, and software and information technology services, facing risks such as market, credit, and liquidity risks[11]. - The company has implemented measures to manage and control various operational risks associated with its business activities[11]. - The company is focused on maintaining stable operations and long-term interests of all shareholders in light of its current operational situation and future development plans[7]. - The company is committed to risk management reforms, enhancing project due diligence and review quality[36]. - The company is adjusting its client structure and strictly managing client access to mitigate potential risks[35]. Subsidiaries and Business Segments - The company’s subsidiary, Dexin Guarantee, has a registered capital of RMB 270 million and is a key player in the financing guarantee industry, contributing to local economic development[48]. - Dexin Guarantee reported total assets of RMB 2.176 billion and net assets of RMB 1.198 billion, achieving an operating income of RMB 176 million and a net profit of RMB 58.3847 million during the reporting period[51]. - The company’s small loan subsidiary, Deshan Small Loan, reported total assets of RMB 711 million and net assets of RMB 671 million, with a net profit of RMB 25.151 million during the reporting period[55]. - The company’s subsidiary, Handu Tong, achieved total assets of RMB 100.4224 million and net assets of RMB 84.5068 million, with a net profit of RMB 13.1033 million in 2022[53]. - Dexin Guarantee's financing leasing subsidiary, Derun Leasing, is actively investing in education, new materials, and new energy projects, aligning with market demands[51]. Governance and Compliance - The company has not faced significant governance discrepancies with regulatory requirements, maintaining compliance with relevant laws[99]. - The company has implemented measures to ensure the independence of its operations, with no significant changes in competitive conditions affecting its business[99]. - The company adhered to strict information disclosure regulations, ensuring transparency and fairness in its communications with investors[99]. - The company emphasizes the integration of party leadership into its business strategy to enhance governance and operational effectiveness[88]. - The company has conducted an independent audit of its internal control effectiveness, receiving a standard unqualified opinion[133]. Future Plans and Strategies - The company’s future plans and development strategies are subject to uncertainties and do not constitute a substantive commitment to investors[8]. - The company is focusing on the integration of supply chain management services to improve operational scale and refine its business[36]. - The company is actively exploring the deep integration of technology with the supply and marketing system to support rural revitalization[34]. - The company aims to strengthen its risk management and recovery processes to mitigate financial risks effectively[56]. - The company is committed to enhancing its financial services for small and micro enterprises, aligning with inclusive finance policies[57]. Legal Matters and Litigation - The company is currently involved in multiple legal proceedings due to overdue rental payments, with claims amounting to 1,287.52 million pending in court[157]. - The company has ongoing litigation with a total claim amount of 1,000 million RMB against Anhui Huipu Information Technology Co., Ltd., which has been won and is currently in the execution process[158]. - The company has successfully resolved litigation involving RMB 2,282.60 million, with enforcement currently underway[156]. - The company has reported ongoing legal actions with claims totaling 1,400.00 million, reflecting its commitment to enforcing contractual agreements[157]. Employee and Shareholder Relations - The total number of employees in the parent company and major subsidiaries is 229, with 43 technical personnel and 26 financial personnel[121][122]. - The company has established a long-term incentive mechanism to attract and retain talent, enhancing investor confidence[126]. - The company has an employee stock ownership plan holding 20,800,000 shares, accounting for 4.06% of the total share capital as of the report date[128]. - The company has not reported any dissenting opinions from board members regarding company matters, indicating a unified leadership approach[116]. Market and Competitive Landscape - The financial environment remains challenging, with increased market, credit, and liquidity risks identified as potential threats to the company's operations[89]. - The company operates in a competitive internet financial cloud service market, which may intensify in the future[91]. - The company is focusing on market expansion strategies, particularly in the financial leasing sector, to enhance its competitive edge[1]. - The company is actively pursuing mergers and acquisitions to strengthen its market position and diversify its portfolio[1].

Financial Performance - The company's operating revenue for Q3 2022 was ¥85,522,775.36, representing a decrease of 7.82% compared to the same period last year[5]. - The net profit attributable to shareholders for Q3 2022 was ¥6,868,163.61, down 12.61% year-on-year[5]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was ¥4,520,462.41, a decline of 5.93% compared to the previous year[5]. - The basic and diluted earnings per share for Q3 2022 were both ¥0.0134, reflecting a decrease of 12.42% from the same period last year[6]. - The net profit attributable to shareholders for the year-to-date was -¥2,329,720.28, a significant decline of 126.22% year-on-year[5]. - The company reported a decrease of 93.64% in net profit attributable to shareholders after deducting non-recurring gains and losses for the year-to-date[10]. - Net profit for the third quarter of 2022 was CNY 41,932,675.17, a decline of 31.5% from CNY 61,200,304.85 in the same quarter of 2021[20]. - The total comprehensive income for the third quarter of 2022 was CNY 38,801,806.63, down from CNY 61,200,304.85 in the previous year[21]. - The company’s minority shareholders' profit was CNY 44,262,395.45, compared to CNY 52,315,663.59 in the same period of 2021[21]. Assets and Liabilities - The total assets at the end of Q3 2022 were ¥4,259,857,431.32, a decrease of 1.64% from the end of the previous year[6]. - Total assets as of September 30, 2022, are 4,259,857,431.32 RMB, down from 4,330,934,164.55 RMB year-over-year[16]. - Total current assets as of September 30, 2022, amount to 1,800,571,576.24 RMB, an increase from 1,550,875,668.20 RMB in the previous year[16]. - Total liabilities as of September 30, 2022, are 2,082,597,789.10 RMB, compared to 2,205,503,784.44 RMB in the previous year[17]. - Short-term borrowings increased to 576,306,722.23 RMB from 201,637,896.39 RMB year-over-year[17]. - The company reported a decrease in long-term borrowings to 396,781,078.59 RMB from 430,357,570.45 RMB year-over-year[17]. Cash Flow - The net cash flow from operating activities for the year-to-date was ¥274,059,066.15, showing an increase of 82.99% compared to the same period last year[6]. - In the first three quarters of 2022, the cash inflow from operating activities was CNY 307,532,979.34, an increase of 15.5% compared to CNY 266,203,014.50 in the same period of 2021[23]. - The net cash flow from operating activities was CNY 274,059,066.15, up from CNY 149,764,706.85 in the previous year, indicating a significant improvement[23]. - The cash inflow from investment activities was CNY 1,994,915.29, a decrease of 83.1% from CNY 11,784,259.50 in the prior year[24]. - The net cash flow from financing activities was -CNY 226,723,557.04, compared to -CNY 271,802,166.60 in the same period last year, showing a reduced outflow[24]. - The total cash and cash equivalents at the end of the period amounted to CNY 203,886,509.60, an increase from CNY 158,738,707.11 at the end of the previous year[24]. Expenses - Total operating costs for the first three quarters of 2022 were CNY 163,063,375.04, down 19.7% from CNY 203,195,166.74 in the previous year[19]. - Research and development expenses for the first three quarters of 2022 were CNY 4,580,611.58, an increase of 15.4% from CNY 3,968,284.86 in the same period of 2021[19]. - The company reported a decrease in financial expenses to CNY 45,349,652.47 in 2022 from CNY 59,689,528.72 in 2021, primarily due to lower interest expenses[20]. - The cash paid for operating activities was CNY 33,473,913.19, significantly lower than CNY 116,438,307.65 in the same period last year[23]. - The cash paid for employee compensation increased to CNY 52,691,763.10 from CNY 44,770,122.88, representing an increase of 17.5%[23]. - The cash outflow for taxes paid was CNY 93,262,270.24, down from CNY 119,272,884.00, indicating a decrease of 21.8%[23]. Shareholder Information - Total number of common shareholders at the end of the reporting period is 44,689[12]. - Anhui Xinli Kechuang Group Co., Ltd. holds 23.60% of shares, with 120,999,907 shares pledged[12]. - The equity attributable to shareholders of the parent company was CNY 1,142,658,204.71, slightly up from CNY 1,141,656,473.42 in the previous quarter[18].

Financial Performance - The company's operating revenue for the first half of 2022 was ¥164,026,021.23, a decrease of 22.69% compared to ¥212,159,605.70 in the same period last year[23]. - The net profit attributable to shareholders for the first half of 2022 was -¥9,197,883.89, a significant decline of 996.91% from ¥1,025,512.29 in the previous year[23]. - The basic earnings per share for the first half of 2022 was -¥0.0179, a decrease of 995.00% compared to ¥0.0020 in the same period last year[24]. - The net profit after deducting non-recurring gains and losses was -¥4,076,946.50, a decline of 287.60% from ¥2,173,183.23 in the same period last year[23]. - The company reported a significant increase in accounts receivable by 87.85% to ¥28,424,649.18, attributed to the expansion of supply chain business[62]. - The company recorded a net cash outflow from financing activities of ¥167,283,363.39, a 121.76% increase compared to the previous year[60]. - The company reported a net loss of ¥7,664,607.66, a decrease of 599.88% compared to a profit of ¥1,533,276.23 in the previous year[62]. - The company reported a comprehensive income of 89,315,753.38 CNY for the current period[153]. Cash Flow - The net cash flow from operating activities reached ¥139,254,816.65, an increase of 1,218.99% compared to ¥10,557,698.42 in the same period last year[23]. - Total cash inflow from operating activities amounted to RMB 249,536,846.44, while cash outflow was RMB 110,282,029.79, resulting in a net cash flow from operating activities[140]. - The cash inflow from investment activities was RMB 588,869.99, while cash outflow was RMB 267,212.49, resulting in a net cash flow from investment activities of RMB 321,657.50[141]. - The company’s cash flow from financing activities showed a substantial decrease in net cash flow, dropping from RMB -75,435,580.22 in the first half of 2021 to RMB -167,283,363.39 in the first half of 2022[141]. Assets and Liabilities - The total assets at the end of the reporting period were ¥4,365,596,280.42, reflecting a slight increase of 0.80% from ¥4,330,934,164.55 at the end of the previous year[23]. - The total liabilities were CNY 2,216,490,295.97, slightly up from CNY 2,205,503,784.44 at the start of the year[128]. - The company's equity attributable to shareholders decreased to CNY 1,132,854,558.90 from CNY 1,141,656,473.42 at the beginning of the year[128]. - The total owner's equity at the end of the reporting period was CNY 2,149,105,984.45, reflecting an increase from the previous period[147]. Subsidiaries and Investments - The company’s subsidiary, De Xin Guarantee, operates in the financing guarantee sector, contributing to local economic development[32]. - The company’s subsidiary, De Shan Small Loan, focuses on small loans and has been recognized as a benchmark enterprise in the province[33]. - The company’s subsidiary, Dexin Guarantee, reported total assets of CNY 380.88 million and net assets of CNY 328.78 million, achieving a net profit of CNY 4.21 million during the reporting period[42]. - The company’s subsidiary, Derun Leasing, invested CNY 580 million in projects, generating operating income of CNY 92.61 million and a net profit of CNY 35.11 million[46]. Risk Management - The company faced challenges due to stricter financial regulations, reduced investment income, and costs associated with employee stock ownership plans[24]. - The company has implemented various measures to manage and control operational risks, including market, credit, and liquidity risks[10]. - The company faces market risks, credit risks, and liquidity risks across its financing guarantee, micro-loan, pawn, and leasing businesses[69]. - The company has implemented strict credit risk management procedures, including due diligence and dynamic management of debtors, to mitigate potential losses[70]. Employee and Stock Ownership - The employee stock ownership plan holds 20,800,000 shares, accounting for 4.06% of the total share capital, with a transfer price of 7.27 yuan per share[80]. - As of June 30, 2022, the employee stock ownership plan had 138 participants, a decrease of 5 due to employee departures[82]. - The first batch of unlocked shares from the employee stock ownership plan, totaling 10,400,000 shares, was fully sold by June 14, 2022[80]. Legal Matters - The company is involved in a significant lawsuit with a subsidiary, with the amount in dispute being approximately 139.67 million RMB[91]. - The company reported a total of 1,870.39 million in overdue rental payments, with ongoing litigation in the Hefei Shushan District People's Court[96]. - The company has successfully mediated or won judgments in multiple cases, including amounts of 1,000.00 million RMB and 950.00 million RMB, which are currently in execution[98]. Corporate Governance - The company appointed Dong Fei as the new board secretary and non-independent director, while Jin Yan resigned from her position[76]. - The company has no plans for profit distribution or capital reserve transfer for the half-year period, with no dividends or stock bonuses proposed[78]. - The financial statements were approved by the board of directors on August 24, 2022, indicating a commitment to transparency and compliance with accounting standards[165]. Environmental and Social Responsibility - The company supports green industry development by providing financing leasing services to clients in wastewater treatment and new energy sectors[84]. - The company actively supported community pandemic prevention efforts, ensuring smooth production and living conditions for residents during the complex pandemic situation[85].

新力金融 2022 年第一季度报告 新力金融 2022 年第一季度报告 证券代码：600318 证券简称：新力金融 安徽新力金融股份有限公司 2022 年第一季度报告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、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责任。 重要内容提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 □是√否 一、 主要财务数据 (一)主要会计数据和财务指标 单位：元 币种：人民币 | 项目 | 本报告期 | 本报告期比上年同期 增减变动幅度(%) | | | --- | --- | --- | --- | | 营业收入 | 88,265,470.30 | | -18.23 | | 归属于上市公司股东的净利润 | 2,295,441.06 | | -4.15 | | 归属于上市公司股东的扣除非经常性损益的净利润 | 3,696,306.68 | | -46.64 | | 经营活动产生的现金流量净额 | 84,507,609.73 | | 不适用 ...

Financial Performance - The company reported a net profit attributable to shareholders of -300,122,625.26 yuan for the year 2021, indicating a loss[6]. - The company's operating revenue for 2021 was CNY 395.40 million, a decrease of 19.67% compared to CNY 492.20 million in 2020[22]. - The net profit attributable to shareholders was a loss of CNY 300.12 million, significantly down from a loss of CNY 8.00 million in the previous year[22]. - The company's total assets decreased by 19.84% to CNY 4.33 billion from CNY 5.40 billion in 2020[22]. - The company's net assets attributable to shareholders at the end of 2021 were CNY 1.14 billion, down 8.57% from CNY 1.25 billion at the end of 2020[22]. - Total revenue for the reporting period was 395.4 million RMB, a decrease of 19.67% year-on-year, while net profit attributable to shareholders was -300 million RMB, a decline of 3,651.53%[50]. - The company reported a total revenue of 1.2 billion CNY for the fiscal year 2021, representing a year-over-year increase of 15%[102]. - The company reported a net profit margin of 12%, up from 10% in the previous year, indicating improved operational efficiency[102]. Dividend and Profit Distribution - The board proposed no cash dividend distribution for 2021 due to the negative net profit, with remaining undistributed profits carried forward to the next year[6]. - The company plans not to distribute cash dividends or transfer capital reserves to share capital for the 2021 fiscal year[129]. - The company has not proposed a cash profit distribution plan despite having positive distributable profits[131]. Asset Management and Restructuring - The company announced a major asset restructuring plan on November 25, 2021, involving asset swaps and fundraising through share issuance[9]. - The company plans to acquire 75.6234% of Bick Power through a major asset swap and issuance of shares, while divesting several subsidiaries[72]. - The company is currently undergoing a major asset restructuring, with related audits and evaluations still in progress[84]. - The company is planning a major asset restructuring, including the acquisition of 75.6234% equity in Bick Power, which requires approval from the Shanghai Stock Exchange and the China Securities Regulatory Commission, indicating uncertainty in the process[88]. Risk Management - The company operates in various sectors including financing guarantees, microloans, leasing, and software services, facing risks such as market, credit, and liquidity risks[8]. - The company has taken measures to manage and control various operational risks, including competition and technology development risks in the software and information technology services sector[8]. - The company’s future development strategy includes addressing potential risks associated with its business operations[9]. - The company is focused on risk management reforms, enhancing project due diligence and audit quality to improve overall risk management efficiency[35]. - The company emphasizes the importance of dynamic management of debtors, conducting regular follow-ups to mitigate credit risk, which has significantly reduced the credit risk exposure[86]. - The financial industry is expected to face challenges such as market risk, credit risk, and liquidity risk, which the company is actively managing[85]. Subsidiaries and Business Segments - The company’s subsidiary, Dexin Guarantee, has diversified its financing guarantee services, contributing to local economic development and addressing financing difficulties for SMEs[42]. - Dexin Small Loan, a subsidiary, focuses on small loans and has been recognized as a benchmark enterprise in Anhui province, emphasizing service to agriculture and small enterprises[43]. - The company’s pawn subsidiary, Dehe Pawn, has been recognized for its integrity and contribution to the local economy, maintaining a strong market position in Anhui province[44]. - De Run Leasing, another subsidiary, has a registered capital of 817 million RMB and focuses on providing comprehensive financial services, primarily in the healthcare, education, and renewable energy sectors[45]. Employee and Management - The total number of employees in the company increased by 3.56% year-on-year, reaching 378 by the end of 2021[39]. - The total number of employees in the parent company and major subsidiaries is 244, with 44 in the parent company and 200 in subsidiaries[125]. - The company has 49 technical personnel and 118 business personnel among its employees[125]. - The company aims to establish a long-term incentive mechanism to attract and retain talent, aligning the interests of shareholders and management[132]. - The performance-based compensation for senior management is determined by company performance and individual contributions, following a structured evaluation process[134]. Compliance and Governance - The company’s financial report has been audited and received a standard unqualified opinion from the auditing firm[5]. - The company has held 3 shareholder meetings during the reporting period, ensuring compliance with legal requirements and protecting the rights of all shareholders, especially minority shareholders[91]. - The board of directors consists of 5 members, including 2 independent directors, ensuring compliance with regulations regarding board composition and decision-making processes[92]. - The company has implemented measures to enhance investor relations and ensure transparent information disclosure, maintaining compliance with relevant laws and regulations[93]. - The company has revised its insider information management system to enhance confidentiality and limit the number of insiders[94]. Legal and Litigation Matters - The company has ongoing significant litigation, with a total of RMB 86,912,240.74 received from various cases as of the reporting period[156]. - The company has also received RMB 16,726,400.00 from financing lease contract disputes as of the reporting period[156]. - The company has a total of 28 other lawsuits involving amounts below RMB 5 million, with a total of RMB 4,562.91 million in claims[159]. - The company is actively managing its litigation risks and has taken steps to address potential financial impacts from ongoing legal matters[157]. - The company has not faced any delisting risks or bankruptcy restructuring matters during the reporting period[155]. Strategic Initiatives - The company implemented a "finance + technology" strategy, focusing on stable operations and optimizing risk control to enhance future business efficiency[32]. - The company is focused on deepening its integration of finance and industry to support rural revitalization and the comprehensive reform of supply and marketing cooperatives[49]. - The company is committed to optimizing its risk control system and enhancing service quality to ensure sustainable development in the financial sector[42]. - The company is committed to sustainable development and actively engages in community service and volunteer activities[142]. Technology and Innovation - The company is actively pursuing digital transformation for small banks through technology integration and service upgrades[33]. - The company is focused on enhancing its product development and technological innovation capabilities to maintain a competitive edge in the rapidly evolving internet financial cloud service market[87]. - The company is investing 100 million CNY in R&D for new technologies aimed at enhancing user experience and operational efficiency[102]. Market and Expansion - The company is considering strategic acquisitions to enhance its service offerings, with a budget of 300 million CNY allocated for potential deals in 2022[102]. - Market expansion plans include entering two new provinces, targeting a 25% increase in market share within these regions by 2023[102]. - The company plans to enhance its digital marketing strategies, aiming for a 30% increase in online customer engagement by the end of 2022[102].

[Financial Summary](index=1&type=section&id=一、%20主要财务数据) The company experienced significant declines in Q3 and YTD 2021 operating revenue and net profit, with total assets decreasing and shareholder equity increasing [Key Financial Indicators](index=1&type=section&id=%28一%29主要会计数据和财务指标) The company reported significant declines in Q3 and YTD 2021 operating revenue and net profit, with net profit attributable to shareholders falling 63.78% in Q3 and 69.51% YTD, alongside a decrease in total assets and an increase in shareholder equity Key Financial Data and Indicators | Item | Current Reporting Period (Q3 2021) (Million Yuan) | Year-to-Date (YTD 2021) (Million Yuan) | Year-over-Year Change (%) | | :--- | :--- | :--- | :--- | | Operating Revenue | 92.78 | 304.94 | -14.34% | | Net Profit Attributable to Listed Company Shareholders | 7.86 | 8.88 | -69.51% | | Net Profit Attributable to Listed Company Shareholders (Excluding Non-Recurring Items) | 4.81 | 6.98 | -76.33% | | Net Cash Flow from Operating Activities | Not Applicable | 149.76 | -56.71% | | Basic Earnings Per Share (Yuan/Share) | 0.0153 | 0.0173 | -69.54% | Key Financial Position Indicators | Item | As of Report End (Sep 30, 2021) (Million Yuan) | As of Prior Year End (Dec 31, 2020) (Million Yuan) | Change from Prior Year End (%) | | :--- | :--- | :--- | :--- | | Total Assets | 4,958.61 | 5,402.67 | -8.22% | | Total Equity Attributable to Listed Company Shareholders | 1,437.40 | 1,248.63 | 15.12% | [Non-Recurring Gains and Losses](index=2&type=section&id=%28二%29非经常性损益项目和金额) In YTD 2021, the company's non-recurring gains and losses totaled 1.91 million yuan, primarily from government grants and other non-operating income, partially offset by fair value changes in trading financial assets and liabilities Non-Recurring Gains and Losses Items and Amounts | Item | Year-to-Date Amount (Yuan) | | :--- | :--- | | Gains/Losses from Disposal of Non-Current Assets | 311,428.72 | | Government Grants Recognized in Current Profit/Loss | 3,363,667.79 | | Gains/Losses from Fair Value Changes of Trading Financial Assets/Liabilities | -3,934,158.30 | | Other Non-Operating Income and Expenses | 2,325,500.75 | | **Total** | **1,906,126.78** | [Analysis of Major Financial Indicator Changes](index=3&type=section&id=%28三%29主要会计数据%E3%80%81财务指标发生变动的情况%E3%80%81原因) The company's core profitability metrics, including net profit and EPS, significantly declined due to employee stock plan amortization, business restructuring, and market interest rate decreases, with operating cash flow also decreasing due to a high prior period base - During the reporting period, profitability indicators such as net profit attributable to listed company shareholders, net profit excluding non-recurring items, and earnings per share significantly decreased year-over-year (from **-63% to -78%**), primarily due to the amortization of employee stock ownership plan expenses, business structure optimization, and overall market interest rate declines[9](index=9&type=chunk) - Year-to-date, net cash flow from operating activities decreased by **56.71%** year-over-year, mainly due to a larger base of operating borrowings in the prior period[10](index=10&type=chunk) [Shareholder Information](index=4&type=section&id=二、%20股东信息) The company's shareholder structure includes 45,175 common shareholders, with the largest shareholder having a portion of its shares pledged, and an associated relationship noted among the top ten shareholders [Major Shareholder Holdings](index=4&type=section&id=%28一%29普通股股东总数和表决权恢复的优先股股东数量及前十名股东持股情况表) As of the report end, the company had 45,175 common shareholders, with Anhui Xinli Kechuang Group Co., Ltd. as the largest shareholder at 23.60%, having a portion of its shares pledged, and an associated relationship noted among the top ten shareholders - As of the report end, the company had **45,175** common shareholders[11](index=11&type=chunk) Top Ten Shareholder Holdings | Shareholder Name | Holding Percentage (%) | Number of Shares Held | Pledge Status | | :--- | :--- | :--- | :--- | | Anhui Xinli Kechuang Group Co., Ltd. | 23.60 | 120,999,907 | Pledged 84,699,937 shares | | Anhui Conch Cement Company Limited | 6.08 | 31,197,800 | None | | Zhang Jinghong | 4.73 | 24,226,400 | None | | Anhui Xinli Financial Co., Ltd. Employee Stock Ownership Plan | 4.06 | 20,800,000 | None | | Huatai Securities Asset Management - China Merchants Bank - Huatai Jiayuan No. 3 | 3.54 | 18,139,237 | None | - Among the top ten shareholders, Wang Jian is the actual controller of Shenzhen Ruanyin Aojin Technology Co., Ltd., indicating an associated relationship between them[12](index=12&type=chunk) [Financial Statements](index=5&type=section&id=四、%20季度财务报表) The company's financial statements reflect a decrease in total assets and liabilities, an increase in shareholder equity, and significant declines in operating revenue and net profit, alongside reduced cash flows from operating activities [Consolidated Balance Sheet](index=5&type=section&id=合并资产负债表) As of September 30, 2021, total assets were 4.96 billion yuan, an 8.22% decrease from year-end, total liabilities were 2.43 billion yuan, a 14.69% decrease, and equity attributable to shareholders was 1.44 billion yuan, a 15.12% increase, primarily due to reduced liabilities Consolidated Balance Sheet Data | Item | Sep 30, 2021 (Yuan) | Dec 31, 2020 (Yuan) | Change | | :--- | :--- | :--- | :--- | | Total Assets | 4,958,607,341.46 | 5,402,673,719.66 | -8.22% | | Total Liabilities | 2,425,713,897.03 | 2,843,780,563.17 | -14.69% | | Total Equity Attributable to Parent Company Shareholders | 1,437,399,549.26 | 1,248,631,639.98 | +15.12% | | Total Shareholders' Equity | 2,532,893,444.43 | 2,558,893,156.49 | -1.02% | [Consolidated Income Statement](index=8&type=section&id=合并利润表) In YTD 2021, the company's total operating revenue was 305 million yuan, a 14.34% decrease year-over-year, and net profit attributable to parent company shareholders was 8.88 million yuan, a 69.51% decrease, primarily due to reduced investment income and increased fair value losses Consolidated Income Statement Data | Item | YTD 2021 (Yuan) | YTD 2020 (Yuan) | Year-over-Year Change | | :--- | :--- | :--- | :--- | | I. Total Operating Revenue | 304,942,428.28 | 356,003,952.43 | -14.34% | | II. Total Operating Costs | 203,195,166.74 | 206,244,806.05 | -1.48% | | III. Operating Profit | 110,952,209.64 | 153,255,204.74 | -27.60% | | IV. Total Profit | 113,220,645.43 | 152,723,214.29 | -25.86% | | Net Profit Attributable to Parent Company Shareholders | 8,884,641.26 | 29,140,055.36 | -69.51% | [Consolidated Cash Flow Statement](index=10&type=section&id=合并现金流量表) In YTD 2021, net cash flow from operating activities was 150 million yuan, a 56.71% decrease year-over-year due to prior period operating borrowings, while investing and financing activities resulted in net outflows, leading to a decrease in cash and cash equivalents Consolidated Cash Flow Statement Data | Item | YTD 2021 (Yuan) | YTD 2020 (Yuan) | Year-over-Year Change | | :--- | :--- | :--- | :--- | | Net Cash Flow from Operating Activities | 149,764,706.85 | 345,934,790.33 | -56.71% | | Net Cash Flow from Investing Activities | -35,976,583.84 | -27,297,868.20 | -31.79% | | Net Cash Flow from Financing Activities | -271,802,166.60 | -315,378,732.07 | +13.82% | | Net Increase in Cash and Cash Equivalents | -158,014,043.59 | 3,258,190.06 | -4949.77% | [Changes in Accounting Policies](index=12&type=section&id=%28三%292021%20年起首次执行新租赁准则调整首次执行当年年初财务报表相关情况) Effective January 1, 2021, the company adopted new lease standards, adjusting the opening financial statements by recognizing 1.88 million yuan in right-of-use assets and reducing other non-current assets by an equal amount, without impacting comparable period information - The company adopted new lease standards effective January 1, 2021, adjusting opening financial statement items based on the cumulative impact of initial application, without restating comparable period information[31](index=31&type=chunk) - The change in accounting policy led to the recognition of **1,879,200.00 yuan** in right-of-use assets and a simultaneous reduction of **1,879,200.00 yuan** in other non-current assets as of January 1, 2021[32](index=32&type=chunk)