2022 年第三季度报告 单位：元 币种：人民币 证券代码：600571 证券简称：信雅达 信雅达科技股份有限公司 2022 年第三季度报告 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。 第三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 本报告期 年初至报告 | --- | --- | --- | --- | --- | |------------------------------------------------|----------------|----------------------------------|------------------|----------------------------- ...

Financial Performance - The company's operating revenue for 2021 was ¥1,536,952,234.65, representing a 21.38% increase compared to ¥1,266,211,833.69 in 2020 [27]. - The net profit attributable to shareholders in 2021 was ¥290,848,802.92, a significant increase of 158.26% from ¥112,619,900.18 in 2020 [27]. - The net asset attributable to shareholders at the end of 2021 was ¥1,242,118,719.60, reflecting a 25.31% increase from ¥991,243,222.57 at the end of 2020 [27]. - The total assets as of the end of 2021 amounted to ¥1,985,241,404.84, which is a 19.32% increase from ¥1,663,814,695.53 in 2020 [27]. - Basic earnings per share for 2021 were ¥0.66, up 153.85% from ¥0.26 in 2020 [30]. - The weighted average return on net assets for 2021 was 26.24%, an increase of 14.51 percentage points from 11.73% in 2020 [30]. - The company's operating revenue for the reporting period was approximately ¥1.54 billion, representing a year-on-year increase of 21.38% [61]. - The operating cost increased by 33.79% to approximately ¥850.75 million, primarily due to revenue growth [61]. Risk Management - The company emphasizes the importance of risk management and has developed a retail internal rating system to enhance credit risk management [17]. - The company has detailed descriptions of industry and market risks in the management discussion and analysis section of the report [8]. - The company is enhancing its risk control capabilities by redefining digital risk management through comprehensive data utilization [42]. - The company acknowledges human resource risks due to a shortage of skilled financial technology talent and will focus on improving talent management and controlling rising labor costs [113]. - The company faces market competition risks from new entrants, including internet giants and strong financial institutions, and will strengthen product R&D to maintain competitive advantages [110]. Technology and Innovation - The company is actively engaged in the development of technologies such as natural language processing and image recognition for financial applications [17]. - The company aims to enhance its product and customer capabilities by integrating AI, big data, blockchain, and IoT technologies into its financial services [102]. - The company has established a financial big data and artificial intelligence research institute, launching the "AI+" initiative to enhance its technological capabilities [53]. - The company is focusing on building a learning and open organization to enhance its technological capabilities and foster innovation through strategic investments [44]. - The company’s financial technology initiatives are expected to drive significant growth in user engagement and service demand post-pandemic [100]. Corporate Governance - The company has received a standard unqualified audit report from Tianjian Accounting Firm [6]. - The company has not faced any penalties from securities regulatory agencies in the past three years [146]. - The company has completed rectifications regarding the composition of independent directors in its professional committees, ensuring compliance with governance standards [170]. - The remuneration decision process for directors and senior management is based on performance evaluations and is approved by the board of directors [146]. - The company has established a performance evaluation mechanism for senior management, linking compensation to their responsibilities and performance assessments [169]. Shareholder Returns - The profit distribution plan for 2021 is to distribute a cash dividend of 2.50 RMB per 10 shares, totaling 119,150,407.25 RMB, based on a total share capital of 476,601,629 shares [7]. - The company has not proposed any stock dividends or capital increases for the reporting period [7]. - The cash dividend policy was executed according to regulations, with a total cash dividend of RMB 96,641,034.38 distributed to shareholders based on a base of 439,277,429 shares, at a rate of RMB 2.2 per 10 shares [163]. Market Expansion - The company is actively pursuing domestic and international market expansion, with products already being exported to over 40 countries and regions [43]. - The company plans to continue expanding its market presence and investing in new technologies to drive future growth [27]. - The company aims to transform from a financial IT service provider to a comprehensive financial technology service provider [54]. - The company will invest in the development and market expansion of its data security product line, widely applied in the financial and industrial finance sectors, while enhancing global sales of mobile work terminals and smart POS products [106]. Employee and Organizational Development - The company reported a total of 7,566 employees, with 4,682 in the parent company and 2,883 in major subsidiaries [157]. - The company has a total of 3,940,000 restricted stocks to be granted to 508 incentive targets as part of the 2021 restricted stock incentive plan [163]. - The company has established a training plan to enhance its internal training system and improve the quality of internal lecturers [159]. - The company aims to attract high-tech talent and establish an attractive incentive mechanism to enhance employee development and motivation [107]. - In 2022, the company will further advance organizational structure reforms to improve decision-making, business support, and innovation capabilities, creating a strong technology platform [108]. Legal and Compliance - The company has ongoing significant litigation related to a 2015 major asset restructuring, with a total of 5,981,434.64 RMB received from court-ordered compensation as of August 9, 2021 [7]. - The company is pursuing further legal action against three parties for outstanding compensation obligations totaling 257,170,950.16 RMB, which is to be repaid over 12 installments [7]. - There are no changes in accounting policies or estimates that would impact the financial statements for the year [6]. - The company has not disclosed any major related party transactions during the reporting period [9].

Financial Performance - The company's operating revenue for 2018 was approximately ¥1.22 billion, a decrease of 7.51% compared to ¥1.32 billion in 2017[26]. - The net profit attributable to shareholders for 2018 was approximately ¥27.49 million, a significant recovery from a loss of ¥208.87 million in 2017[26]. - The net cash flow from operating activities increased by 165.69% to approximately ¥65.64 million in 2018, compared to ¥24.71 million in 2017[26]. - The total assets at the end of 2018 were approximately ¥1.61 billion, down 25.96% from ¥2.18 billion at the end of 2017[26]. - The net assets attributable to shareholders decreased by 29.81% to approximately ¥1.05 billion at the end of 2018, compared to ¥1.50 billion at the end of 2017[26]. - The basic earnings per share for 2018 was ¥0.06, a recovery from a loss of ¥0.48 per share in 2017[27]. - The weighted average return on net assets for 2018 was 1.96%, an increase of 20.49 percentage points from -18.53% in 2017[27]. - The company reported a diluted earnings per share of ¥0.06 for 2018, compared to a loss of ¥0.48 in 2017[27]. - The company achieved operating revenue of ¥1,222,849,945.29 in 2018, with a net profit attributable to shareholders of ¥27,486,509.61, and a net profit of -¥164,191,001.39 after deducting non-recurring gains and losses[69][85]. - Operating revenue decreased by 7.51% to ¥1,222,849,945.29 compared to ¥1,322,101,989.04 in the same period last year[86]. - Operating costs decreased by 5.66% to ¥619,099,665.04, down from ¥656,240,349.29[86]. - R&D expenses totaled ¥418,673,576.84, accounting for 34.24% of operating revenue[97]. Dividend and Shareholder Information - The company plans to distribute a cash dividend of 3.7 RMB per 10 shares, totaling 162,681,310.66 RMB, based on a total share capital of 439,679,218 shares[6]. - For 2018, the company declared a cash dividend of 3.7 RMB per 10 shares, amounting to 162.68 million RMB, representing 596.04% of the net profit attributable to shareholders[146]. - The total number of ordinary shares before the change was 439,679,218, with a decrease of 6,849,056 shares, resulting in a total of 439,679,218 shares after the change[184]. - The number of shareholders at the end of the reporting period was 56,543, down from 63,500 at the end of the previous month[185]. - The largest shareholder, Hangzhou Xinyada Electronics Co., Ltd., holds 78,106,006 shares, accounting for 17.76% of the total shares[185]. - The second-largest shareholder, Guo Huaqiang, holds 25,950,152 shares, representing 5.90% of the total shares[185]. - The total number of shares held by the board members decreased from 50,738,438 at the beginning of the year to 42,321,238 at the end of the year, a reduction of 8,417,200 shares[196]. - The total pre-tax remuneration for the reporting period for the board members amounted to 629.25 million yuan[199]. Audit and Compliance - The company has received a standard unqualified audit report from Tianjian Accounting Firm[5]. - The board of directors and management have confirmed the accuracy and completeness of the financial report[4]. - The company has not violated decision-making procedures for external guarantees[8]. - The company did not experience any major accounting errors or changes in accounting policies during the reporting period[151]. - The company confirmed that there were no unfulfilled court judgments or significant debts due during the reporting period[159]. - The company faced a lawsuit regarding the failure to meet performance commitments from a major asset restructuring in 2015, with a net profit of -¥52,810,975.19 in 2017 after deducting non-recurring gains and losses[158]. - The company received warning letters from the Zhejiang Securities Regulatory Bureau in December 2018[158]. - The company has no significant litigation or arbitration matters pending as of the reporting period[158]. Risk Management and Strategic Focus - The company has detailed industry and market risks in its report, highlighting potential challenges and countermeasures[8]. - The company emphasizes the importance of investor awareness regarding risks associated with forward-looking statements[7]. - The company aims to enhance its risk management capabilities and meet external regulatory standards through its internal rating system[19]. - The company recognizes the risk of market competition and plans to strengthen product development and customer relationships to mitigate potential impacts[140]. - The company is aware of human resource risks and is focused on improving talent management to align with its growth and operational needs[141]. Market Position and Future Outlook - The company provides end-to-end professional solutions and products primarily for the banking sector, serving over 300 financial institutions[38]. - The company aims to expand its market presence by enhancing its IT consulting and product innovation capabilities for financial institutions[39]. - The company has established core competencies in service productization, solution capability, and resource integration over 20 years[38]. - The company is focusing on talent development through the establishment of the "Future Academy" to nurture management and professional talent, enhancing overall operational efficiency[135]. - The company plans to focus on product innovation and market expansion in 2019, aiming to maintain competitiveness through strategic adjustments and talent development[82]. - The overall performance outlook for the next fiscal year remains positive, with expectations for revenue growth driven by new product launches[198]. Investment and Financial Products - The company has invested significantly in three main areas: AI & big data research, financial risk control platform, and Fintech innovation platform since 2016[128]. - The company has invested a total of 19,900,000.00 in government bond reverse repos, with no overdue amounts[164]. - The company has allocated 20,000,000.00 to private equity fund products, with no overdue amounts[164]. - The company has committed 30,000,000.00 to private equity fund products, with no overdue amounts[164]. - The company has invested 50,000,000.00 in private equity fund products, with no overdue amounts[164]. - The company has placed 10,000,000.00 in bank wealth management products, with no overdue amounts[168]. - The company has allocated 17,900,000.00 to bank wealth management products, with no overdue amounts[168]. - The company has invested 20,000,000.00 in trust wealth management products, with no overdue amounts[168]. - The company has committed 4,000,000.00 to bank wealth management products, with no overdue amounts[168]. - The company has placed 10,000,000.00 in broker wealth management products, with no overdue amounts[168]. - The company has invested 6,500,000.00 in broker wealth management products, with no overdue amounts[168]. - The company reported a total investment in financial products amounting to 30,000,000.00 for multiple entries, indicating a consistent investment strategy[171]. - The company has allocated 68,525,512.00 to brokerage financial products, reflecting a significant commitment to this investment avenue[171]. - A total of 20,000,000.00 was invested in government bond reverse repos, showcasing a strategy to leverage low-risk investment options[171]. Technology and Innovation - The company is committed to investing in financial big data research, risk control platforms, and Fintech innovation platforms to support sustainable development[75]. - The company emphasizes the importance of innovation and service capabilities in meeting the evolving demands of banking customers[106]. - The company aims to enhance its competitive edge by focusing on AI and big data technologies, providing innovative solutions for financial users[132]. - The company is committed to continuous investment in technology and product development to maintain competitive advantages in the rapidly evolving fintech landscape[139]. - The company has invested in various technology entities to enhance its understanding and application of new technologies within the financial sector[136]. Operational Efficiency - The company is focused on improving its operational efficiency and customer satisfaction through the implementation of various technological systems[19]. - The company has developed a unified operational management platform to enhance operational efficiency and risk management capabilities across various banking operations[44]. - The intelligent customer service product line has evolved from a single telephone service system to a comprehensive suite of smart customer service solutions[44]. - The company provides high-quality and efficient back-office outsourcing services for the banking, insurance, and credit card industries, leveraging core technologies such as OCR and image processing[50].

2018 年第三季度报告 公司代码：600571 公司简称：信雅达 信雅达系统工程股份有限公司 2018 年第三季度报告 1 / 23 | 目录 | | --- | 1.3 公司负责人耿俊岭、主管会计工作负责人徐丽君及会计机构负责人（会计主管人员）李亚男 保证季度报告中财务报表的真实、准确、完整。 1.4 本公司第三季度报告未经审计。 二、 公司基本情况 | 一、 | 重要提示 | 3 | | --- | --- | --- | | 二、 | 公司基本情况 | 3 | | 三、 | 重要事项 | 7 | | 四、 | 附录 | 10 | 2.1 主要财务数据 3 / 23 单位：元 币种：人民币 本报告期末 上年度末 本报告期末比上年度 末增减(%) 总资产 1,618,797,005.93 2,177,178,861.68 -25.65 归属于上市公司股 东的净资产 1,181,085,412.08 1,500,707,744.05 -21.30 年初至报告期末 （1-9 月） 上年初至上年报告期末 （1-9 月） 比上年同期增减(%) 经营活动产生的现 金流量净额 -316,165,521.72 -282 ...

Financial Performance - The company's operating revenue for the first half of 2018 was approximately ¥611.57 million, representing a 6.95% increase compared to ¥571.82 million in the same period last year[21]. - The net profit attributable to shareholders of the listed company decreased significantly by 84.08%, amounting to approximately ¥7.12 million, down from ¥44.69 million in the previous year[21]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was approximately -¥3.53 million, a decline of 111.29% compared to ¥31.31 million in the same period last year[21]. - Basic earnings per share decreased by 80.00% to CNY 0.02 compared to CNY 0.10 in the same period last year[23]. - Diluted earnings per share also decreased by 80.00% to CNY 0.02 from CNY 0.10 year-on-year[23]. - The weighted average return on equity dropped to 0.47%, a decrease of 3.32 percentage points from 3.79% in the previous year[23]. - The net profit attributable to shareholders decreased primarily due to increased sales and management expenses, higher asset impairment losses, and a significant decline in investment income and fair value changes[23]. - The company reported a significant decrease in financial assets available for sale by 36.64% to ¥510,207,587.88, due to fluctuations in securities prices[54]. - The company experienced a significant decline in net income, with a reported loss of 10,365,000 for the current period[118]. Cash Flow and Assets - The net cash flow from operating activities was approximately -¥273.57 million, a decrease of 10.79% from -¥246.92 million in the previous year[22]. - Cash and cash equivalents decreased by 35.21% to ¥188,177,932.32, accounting for 11.05% of total assets[54]. - Accounts receivable increased by 68.09% to ¥384,611,578.45, representing 22.59% of total assets, attributed to lower collection rates[54]. - Other current assets decreased by 82.25% to ¥57,241,796.19, which was primarily due to the maturity of financial products[54]. - The company's total assets at the end of the period were significantly impacted by the changes in cash and receivables, reflecting a strategic focus on liquidity management[54]. - The total current assets decreased from 1,100,035,666.87 RMB to 920,822,905.19 RMB, a reduction of approximately 16%[94]. - The total accounts receivable at the end of the period amounted to RMB 469,955,136.32, with a bad debt provision of RMB 85,343,557.87, representing a provision ratio of approximately 18.2%[199]. Expenses and Liabilities - The company's sales expenses increased by 21.27% to ¥38,062,763.73 due to a rise in personnel costs[52]. - The management expenses rose by 31.26% to ¥309,249,498.38, reflecting increased staffing levels[52]. - Total operating costs increased to ¥646,505,124.09, up from ¥568,953,138.39, reflecting a rise of 13.6%[102]. - Total liabilities decreased from CNY 558,547,631.34 to CNY 340,545,026.65, a decline of around 39.1%[96]. - The company has a corporate income tax rate of 15% for several subsidiaries recognized as high-tech enterprises, while other entities are subject to a 25% rate[186]. Business Operations and Strategy - The company’s main business segments include financial software, hardware, services, consulting, and cloud solutions, with financial software and hardware accounting for over 50% of total business volume[29]. - The company focuses on providing integrated system solutions for financial institutions, covering front, middle, and back office operations[29]. - The company aims to innovate in financial technology products based on cloud and big data platforms, as well as supply chain finance and comprehensive risk management[29]. - The company has established a nationwide marketing system, primarily using direct sales for its products and services[37]. - The company plans to enhance its product development to maintain a competitive edge and improve customer satisfaction through a customer-centric approach[63]. - The company aims to accelerate its development towards a networked, service-oriented, platform-based, ecological, and intelligent model in the second half of the year[50]. Risks and Challenges - The company is facing risks related to industry technology upgrades, which could lead to a loss of competitive advantage if it fails to keep up with technological advancements[62]. - There is a market competition risk due to potential new entrants engaging in unreasonable low-price competition, which may decrease project profitability[63]. - The company is at risk of rising human resource costs as competition for talent intensifies, potentially impacting management capabilities and resource allocation[64]. - The company has acknowledged the risk of innovation expectations not being met, which could lead to a mismatch between R&D investment and output[65]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 60,592[83]. - The largest shareholder, Hangzhou Xinyada Electronics Co., Ltd., holds 78,106,006 shares, accounting for 17.76% of total shares[85]. - Guo Huaqiang reduced his holdings by 4,117,200 shares, now owning 30,250,152 shares, which is 6.88% of total shares, with 6,849,056 shares pledged[85]. - The company held its annual shareholder meeting on May 11, 2018, with 33.13% of the total voting shares represented[68]. Accounting Policies and Compliance - The financial report was approved by the board on August 30, 2018, ensuring compliance with regulatory requirements[127]. - The company’s financial statements are prepared on a going concern basis, indicating no significant doubts about its ability to continue operations for the next 12 months[130]. - The company adheres to the accounting standards, ensuring that its financial statements accurately reflect its financial position, operating results, and cash flows[132]. - The company includes all controlled subsidiaries in its consolidated financial statements, following the relevant accounting standards[137].

2018 年第一季度报告 公司代码：600571 公司简称：信雅达 信雅达系统工程股份有限公司 2018 年第一季度报告 1 / 19 | 一、 | 重要提示 3 | | --- | --- | | 二、 | 公司基本情况 3 | | 三、 | 重要事项 6 | | 四、 | 附录 8 | 非经常性损益项目和金额 √适用 □不适用 单位：元 币种：人民币 3 / 19 1.1 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、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 公司全体董事出席董事会审议季度报告。 1.3 公司负责人耿俊岭、主管会计工作负责人徐丽君及会计机构负责人（会计主管人员）李亚男 保证季度报告中财务报表的真实、准确、完整。 1.4 本公司第一季度报告未经审计。 2018 年第一季度报告 2018 年第一季度报告 一、 重要提示 二、 公司基本情况 2.1 主要财务数据 单位：元 币种：人民币 | | 本报告期末 | 上年度末 | 本报告期末比上年度末增 | | | | --- | --- | --- | --- | --- | - ...

Financial Performance - In 2017, the company's operating revenue was approximately CNY 1.32 billion, a decrease of 4.56% compared to CNY 1.39 billion in 2016[24]. - The net profit attributable to shareholders was a loss of approximately CNY 208.87 million, representing a decline of 270.35% from a profit of CNY 122.61 million in 2016[24]. - The net profit after deducting non-recurring gains and losses was a loss of approximately CNY 225.60 million, down 301.39% from a profit of CNY 112.02 million in 2016[24]. - The net cash flow from operating activities was approximately CNY 24.71 million, a decrease of 81.03% from CNY 130.23 million in 2016[24]. - The basic earnings per share for 2017 was -CNY 0.48, a decrease of 271.43% from CNY 0.28 in 2016[25]. - The diluted earnings per share for 2017 was also -CNY 0.48, reflecting the same percentage decrease as the basic earnings per share[25]. - The weighted average return on equity decreased by 29.62 percentage points to -18.53% in 2017 from 11.09% in 2016[26]. - The company reported a net profit loss of approximately CNY 180.95 million in the fourth quarter of 2017, following a loss of CNY 16.77 million in the third quarter[27]. Assets and Liabilities - The total assets at the end of 2017 were approximately CNY 2.18 billion, an increase of 26.77% from CNY 1.72 billion in 2016[24]. - The net assets attributable to shareholders increased by 29.80% to approximately CNY 1.50 billion at the end of 2017, compared to CNY 1.16 billion at the end of 2016[24]. - The company's total liabilities included short-term borrowings of 145,000,000.00, which accounted for 6.66% of total assets, reflecting a 52.63% increase[67]. - The total liabilities rose to ¥558,547,631.34, up from ¥486,730,474.44, indicating an increase of about 14.7%[191]. Investments and R&D - The company invested CNY 475,779,777.09 in R&D, an increase of 31.18% year-on-year, reflecting a commitment to technological advancement[51]. - The company reported a total investment of 59,824,877.83 yuan in financial assets, with a year-end book value of 58,540,475.29 yuan, resulting in a profit of 2,534,569.43 yuan during the reporting period[79]. - The company has launched a mobile marketing financial terminal to meet the growing demand for mobile financial services[34]. - The company is focusing on the application of technologies such as AI, blockchain, and big data across various financial processes[74]. Corporate Governance - The board of directors and senior management guarantee the authenticity and completeness of the annual report[8]. - The company has established a performance evaluation mechanism for senior management, determining salary levels based on responsibilities and performance assessments[173]. - The company maintains independent operations from its controlling shareholder, ensuring no interference in decision-making[158]. - The audit committee prepared for the annual financial audit and communicated with the accounting firm to ensure smooth progress, submitting a summary report to the board after the audit[170]. Market and Business Strategy - The company's main business is providing IT software products and services to financial institutions, accounting for over 50% of total business volume[32]. - The company aims to build long-term strategic partnerships with influential clients to enhance its market presence and promote new business initiatives[38]. - The company plans to expand its market presence in Southeast Asia, targeting a 15% market share by the end of the next fiscal year[145]. - The company is exploring partnerships with fintech firms to leverage new technologies and expand service offerings, with initial discussions already taking place[145]. Compliance and Risk Management - The company has not violated decision-making procedures for external guarantees[7]. - The company has implemented a series of regulatory policies to enhance financial supervision and promote transformation in the financial sector[75]. - The company faces risks related to industry technology upgrades, market competition, rising labor costs, and innovation expectations, which it plans to address through flexible market response systems and enhanced product development[98][99][100][101]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 59,084, an increase from 58,652 at the end of the previous month[126]. - The largest shareholder, Hangzhou Xinyada Electronics Co., Ltd., decreased its holdings by 8,000,000 shares during the reporting period[129]. - The company reported a cash dividend of 0.9 RMB per 10 shares for the 2016 fiscal year, totaling 39,571,129.62 RMB distributed to shareholders[103]. Audit and Financial Reporting - The company received a standard unqualified audit opinion from Tianjian Accounting Firm[4]. - The independent auditor confirmed that the financial statements fairly reflect the company's financial position and results for the year ended December 31, 2017[177]. - The internal control audit report confirmed that the company maintained effective financial reporting internal controls as of December 31, 2017[174].

| 目录 | | --- | | 一、 | 重要提示 | 3 | | --- | --- | --- | | 二、 | 公司基本情况 | 3 | | 三、 | 重要事项 | 7 | | 四、 | 附录 | 12 | 2017 年第三季度报告 2017 年第三季度报告 公司代码：600571 公司简称：信雅达 信雅达系统工程股份有限公司 2017 年第三季度报告 1 / 24 一、 重要提示 1.1 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、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 公司全体董事出席董事会审议季度报告。 1.3 公司负责人郭华强、主管会计工作负责人徐丽君及会计机构负责人（会计主管人员）李亚男 保证季度报告中财务报表的真实、准确、完整。 1.4 本公司第三季度报告未经审计。 二、 公司基本情况 2.1 主要财务数据 单位：元 币种：人民币 | | 本报告期末 | 上年度末 | 本报告期末比上年度末增 | | --- | --- | --- | --- | | | | | 减(%) | | 总资产 | 1,690,000,5 ...

Financial Performance - The company's operating revenue for the first half of 2017 was ¥571,818,707.77, representing a 10.90% increase compared to ¥515,593,298.71 in the same period last year[20]. - The net profit attributable to shareholders for the first half of 2017 was ¥44,687,745.85, a decrease of 29.26% from ¥63,171,592.14 in the previous year[20]. - The net profit after deducting non-recurring gains and losses was ¥31,309,915.57, down 45.49% from ¥57,438,226.77 in the same period last year[20]. - The net cash flow from operating activities was -¥246,923,307.84, worsening by 22.61% compared to -¥201,394,490.90 in the previous year[20]. - The total assets at the end of the reporting period were ¥1,651,958,252.74, a decrease of 3.81% from ¥1,717,435,340.08 at the end of the previous year[20]. - The net assets attributable to shareholders at the end of the reporting period were ¥1,161,276,439.51, a slight increase of 0.44% from ¥1,156,159,823.28 at the end of the previous year[20]. - Basic earnings per share for the first half of 2017 were ¥0.10, down 28.57% from ¥0.14 in the same period last year[21]. - The weighted average return on net assets was 3.79%, a decrease of 1.99 percentage points from 5.78% in the previous year[21]. - Operating costs increased by 31.03% to ¥269,837,907.09, impacting overall profitability[51]. - Research and development expenses rose by 38.26% to ¥59,724,306.93, indicating a focus on innovation[51]. Business Strategy and Innovation - The company is focused on assisting traditional financial institutions in transitioning from electronic to intelligent operations, emphasizing areas such as business process optimization and financial data analysis[32]. - The financial technology industry is evolving, with traditional financial institutions increasingly embracing fintech solutions to enhance operational efficiency and meet market demands[27]. - The company has established a dual innovation model, combining internal incubation of subsidiaries and external investments, such as the establishment of Hangzhou Xinyada Investment Management Co., Ltd.[33]. - The company has developed a comprehensive suite of IT solutions for the financial sector, leveraging core technologies like workflow management and security encryption, positioning itself as a leading software provider in the industry[35]. - The company aims to create high-barrier new products and services through technological iteration and innovation, fostering complementary business relationships with traditional financial institutions[29]. - The collaboration between major banks and internet companies is seen as a benchmark for fintech adoption, driving demand for technology support in traditional financial institutions[28]. - The company is actively pursuing multi-point integration in areas such as consumer finance and supply chain finance, enhancing its service offerings[33]. - The financial technology sector is characterized by the integration of advanced technologies like big data and artificial intelligence, which are becoming competitive advantages for fintech companies[30]. - The company has a strong commitment to continuous innovation in technology research and development, ensuring its solutions meet the evolving needs of the financial industry[35]. Shareholder and Equity Information - The total number of common shareholders at the end of the reporting period was 60,737[77]. - The largest shareholder, Hangzhou Xinyada Electronics Co., Ltd., held 86,106,006 shares, representing 19.58% of total shares[79]. - The second-largest shareholder, Guo Huaqiang, held 34,367,352 shares, accounting for 7.82% of total shares, with 6,849,056 shares pledged[79]. - Ningbo Economic and Technological Development Zone Chunqiu Technology Development Co., Ltd. decreased its holdings by 1,531,205 shares, holding 27,447,621 shares, which is 6.24% of total shares[79]. - The top ten shareholders collectively held a significant portion of the company's shares, with the largest three shareholders alone accounting for over 33%[79]. - The company reported that 8,313,506 shares held by Diao Jianmin are subject to a lock-up period until September 23, 2017[81]. - Guo Huaqiang's 6,849,056 shares are also under a lock-up period until September 23, 2018[82]. - The company has not experienced any changes in controlling shareholders or actual controllers during the reporting period[83]. - There were no strategic investors or general legal entities that became part of the top ten shareholders due to new share placements[83]. Financial Position and Assets - The company's current assets totaled CNY 1,059,194,320.35, down from CNY 1,129,710,541.43, indicating a decline of approximately 6.2%[90]. - Cash and cash equivalents increased to CNY 155,673,751.76 from CNY 151,472,386.94, reflecting a growth of about 2.9%[90]. - Accounts receivable rose significantly to CNY 401,115,262.83 from CNY 239,540,652.91, representing an increase of approximately 67.5%[90]. - The company's total liabilities decreased to CNY 431,619,269.92 from CNY 486,730,474.44, a reduction of about 11.3%[92]. - The total equity attributable to shareholders increased slightly to CNY 1,161,276,439.51 from CNY 1,156,159,823.28, showing a growth of approximately 0.4%[92]. - Inventory levels rose to CNY 237,835,381.72 from CNY 196,794,736.37, marking an increase of about 20.9%[90]. - The company reported a significant decrease in short-term borrowings, which increased to CNY 119,000,000.00 from CNY 95,000,000.00, reflecting a rise of approximately 25.3%[91]. - The total value of restricted assets at the end of the reporting period was ¥112.29 million, primarily due to guarantees and collateral[56]. Cash Flow and Financing Activities - The cash flow from operating activities showed a negative net amount of ¥246,923,307.84, reflecting operational challenges[51]. - Cash received from borrowings amounted to ¥84 million, a 68% increase compared to the previous period[52]. - The net cash flow from operating activities decreased due to an increase in period expenses and taxes[52]. - The company experienced a 54.06% increase in cash used for debt repayment, totaling ¥60 million[52]. - The total cash inflow from financing activities was 96,000,000 CNY, while the cash outflow was 39,571,129.62 CNY, resulting in a net cash flow of -39,571,129.62 CNY[109]. Accounting Policies and Financial Reporting - The company adheres to the Chinese Accounting Standards, ensuring that its financial reports accurately reflect its financial position and performance[128]. - The financial statements are prepared based on the assumption of going concern, with no significant doubts regarding the company's ability to continue operations for the next 12 months[126]. - The company uses the Chinese Yuan (RMB) as its functional currency for accounting purposes[131]. - The company recognizes revenue from sales when the risks and rewards of ownership are transferred to the buyer, and the amount can be reliably measured[173]. - The company applies a straight-line method for amortizing intangible assets with a finite useful life[163]. - The company recognizes impairment losses for available-for-sale equity investments when fair value declines significantly and is not expected to recover[142]. Risks and Challenges - The company is facing potential risks related to rising human resource costs due to intense competition for talent in the IT sector[65]. - The company will continue to improve its human resource management to control the risk of rising labor costs while ensuring employee satisfaction[65]. - The company anticipates that its cumulative net profit for the year may experience significant fluctuations compared to the previous year[63].

Financial Performance - Net profit attributable to shareholders was CNY 14,893,158.84, reflecting a 3.61% increase year-on-year[6] - Operating revenue for the period was CNY 262,706,676.38, showing a 0.5% increase compared to the same period last year[6] - The net profit for Q1 2017 was CNY 5,832,221.77, a decrease of 62.0% from CNY 15,300,378.51 in Q1 2016[29] - The company's net profit for Q1 2017 was CNY 33,580,423.42, a significant increase from CNY 16,030,508.12 in the same period last year, representing a growth of approximately 109.5%[32] - The total profit before tax for Q1 2017 was CNY 34,521,788.91, compared to CNY 15,918,440.78 in the previous year, marking an increase of about 117.5%[32] Cash Flow - The net cash flow from operating activities was negative CNY 201,047,584.73, a decline of 34.97% compared to the previous year[6] - The net cash flow from operating activities was -$109.80 million, compared to -$94.84 million in the previous year, indicating a decline of approximately 15.8%[38] - Cash inflow from investment activities totaled $201.66 million, up from $162.27 million, representing an increase of about 24.3% year-over-year[38] - The net cash flow from investment activities was $137.98 million, compared to $69.13 million in the previous year, showing a significant increase of approximately 99.9%[38] - Cash outflow for operating activities amounted to $190.87 million, compared to $128.30 million, reflecting an increase of about 48.7%[38] Assets and Liabilities - Total assets at the end of the reporting period reached CNY 1,723,599,510.81, a 0.36% increase compared to the end of the previous year[6] - Total assets increased slightly to ¥1,723,599,510.81 from ¥1,717,435,340.08, reflecting a stable financial position[22] - The total liabilities decreased to CNY 177,485,359.88 from CNY 318,395,450.16, representing a reduction of 44.2%[26] - The company's total equity increased to CNY 1,012,517,398.89 from CNY 957,645,013.15, reflecting a growth of 5.7%[27] Shareholder Information - The number of shareholders at the end of the reporting period was 61,889[11] - The largest shareholder, Hangzhou Xinyada Electronics Co., Ltd., held 19.58% of the shares[11] Earnings and Expenses - Basic earnings per share increased by 3.03% to CNY 0.034[6] - Total operating costs for Q1 2017 amounted to CNY 270,688,017.10, up 6.3% from CNY 254,536,602.84 in Q1 2016[28] - The total operating expenses for Q1 2017 were CNY 381,144,966.52, up from CNY 337,593,817.62 in Q1 2016, representing an increase of about 12.9%[34] - The company paid $48.91 million in employee compensation, an increase from $42.94 million, which is an increase of approximately 20.5%[38] Investment Activities - The company reported non-recurring gains of CNY 4,079,902.25 for the period[8] - Cash received from investment income surged by 221.00% to ¥1,785,709.63 from ¥556,037.56, driven by growth in financial management income[16] - Cash invested decreased by 59.00% to ¥61,050,551.02 from ¥150,478,404.30, primarily due to reduced purchases of financial products[16] - The company received $200 million in cash from investment recoveries, an increase from $152 million, representing a growth of approximately 31.6%[38] Accounts Receivable and Payables - Accounts receivable increased by 68.67% to ¥404,038,049.20 from ¥239,540,652.90, primarily due to a decline in cash collection from sales[14] - Prepayments rose by 98.57% to ¥23,246,237.84 from ¥11,706,570.23, mainly due to increased advance payments for materials and installation by the environmental subsidiary[14] Taxation - Tax expenses decreased by 56.28% to ¥1,300,775.34 from ¥2,975,126.20, mainly due to losses from the environmental subsidiary compared to profits in the previous period[16] - Cash received from tax refunds increased by 51.00% to ¥9,816,986.49 from ¥6,514,763.41, primarily due to increased VAT refunds[16] - Cash paid for various taxes increased by 54.00% to ¥43,175,284.18 from ¥28,075,249.37, mainly due to VAT and corporate income tax payments by the environmental company[16] Financial Assets - Trading financial assets decreased by 52.14% to ¥61,357,538.01 from ¥128,204,963.50 due to reduced stock investments[14] - Cash and cash equivalents rose significantly to CNY 155,173,575.32 from CNY 29,038,690.69, marking an increase of 435.5%[25] - Cash and cash equivalents at the end of the period reached $91.65 million, a substantial increase from $19.46 million in the same quarter last year[38]