证券代码：000838 证券简称：财信发展 公告编号：2023-066 财信地产发展集团股份有限公司 关于控股股东股份被轮候冻结的公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整， 没有虚假记载、误导性陈述或重大遗漏。 特别风险提示： 截至本公告披露日，财信地产发展集团股份有限公司（以下简称 "公司"、"上市公司"）控股股东重庆财信房地产开发集团有限公司 （以下简称"财信地产"）被司法冻结股份数量占其所持公司股份数 量比例已超过 80%，请投资者注意相关风险。 近日，公司通过中国证券登记结算有限责任公司查询，获悉： 公司控股股东财信地产现持有公司 398,920,794 股股份，持股比 例为 36.25%。财信地产所持有公司的部分股份新增被法院轮候冻结， 具体情况如下： 二、控股股东股份累计被冻结情况 1、累计被冻结情况 2、累计被轮候冻结情况 截至本公告日，财信地产所持股份累计被轮候冻结情况如下： | 股东名称 | 是否为控股 | 持股数量（股） | 持股比例 | 累计被轮候冻结 | 轮候冻结合计占其所持股份比例 | | --- | --- | --- | --- | --- | --- | ...

Financial Performance - The company's operating revenue for the first half of 2023 was approximately ¥2.09 billion, a decrease of 2.28% compared to ¥2.14 billion in the same period last year[24]. - The net loss attributable to shareholders was approximately ¥52.19 million, representing a 67.92% improvement from a net loss of ¥162.67 million in the previous year[24]. - The basic earnings per share were reported at -¥0.0474, an improvement of 67.93% from -¥0.1478 in the previous year[24]. - The company reported a net loss of CNY 60,589,052.55 for the first half of 2023, compared to a net loss of CNY 182,967,257.17 in the same period last year[155]. - The company reported a total comprehensive income loss of -60,589,052.55 yuan for the first half of 2023, indicating ongoing financial challenges[165]. - The company reported a total of ¥1,471,691,118.97 in total assets for its equity investee, Star Realm Company, with a net profit contribution of ¥123,649,691.03[72]. Cash Flow and Liquidity - The net cash flow from operating activities was negative at approximately ¥109.80 million, a significant decline of 728.96% compared to a negative cash flow of ¥13.25 million in the same period last year[24]. - The company reported a net cash increase of -¥303,636,379.52, which is a 34.98% decrease from -¥224,953,011.29 in the same period last year[58]. - Cash and cash equivalents decreased to ¥693,414,694.34, accounting for 10.07% of total assets, down from 11.23% last year, a decrease of 1.16%[65]. - The company's total liabilities were CNY 5,784,657,459.24, down from CNY 9,283,775,420.78, which is a decrease of around 37.0%[146]. - The company's short-term borrowings decreased to CNY 63,040,578.46 from CNY 168,236,257.07, a decline of about 62.6%[145]. Assets and Liabilities - Total assets at the end of the reporting period were approximately ¥6.89 billion, a decrease of 35.59% from ¥10.70 billion at the end of the previous year[24]. - The net assets attributable to shareholders decreased by 5.40% to approximately ¥914.98 million from ¥967.17 million at the end of the previous year[24]. - The company's inventory decreased significantly to CNY 4,573,183,888.59 from CNY 7,086,268,007.40, representing a reduction of approximately 35.5%[144]. - Contract liabilities decreased to ¥2,651,719,684.2, representing 38.49% of total liabilities, down from 48.68% last year, a decrease of 10.19%[65]. Market Conditions - In the first half of 2023, the land transaction scale decreased by 25% year-on-year, reaching a new low since 2010[34]. - The overall market sentiment remains cautious, with policies aimed at stimulating demand but lacking substantial actions[34]. - The company operates in eight provinces and cities, with significant sales contributions from Chongqing, Tianjin, and Shandong[34]. - The average land price in Chongqing was CNY 1,179 million per mu, with an average floor price of CNY 8,634 per square meter[35]. Environmental Compliance - The company strictly adheres to environmental protection laws and regulations during its operations[83]. - The company has obtained necessary environmental permits, including waste discharge licenses valid until December 2027[84]. - The company reported no exceedances in pollution discharge limits across its operations[86]. - The company has maintained compliance with all environmental discharge standards throughout the reporting period[89]. Corporate Governance - The company has maintained a governance structure that protects the interests of minority shareholders through transparent decision-making processes[95]. - The company did not undergo any changes in its controlling shareholder or actual controller during the reporting period[134]. - There were no non-operating fund occupations by controlling shareholders or related parties during the reporting period[98]. Future Outlook and Strategy - The management highlighted potential risks and strategies to mitigate them, emphasizing the importance of investor awareness regarding these risks[4]. - In response to real estate challenges, the company plans to focus on existing property development and sales, enhance management, and control costs[74]. - The company plans to actively monitor policy changes and seek development opportunities within regulatory frameworks[74]. - The company aims to strengthen cash flow management and ensure timely delivery of projects, focusing on operational stability and cost control[53].

非经营性资金占用及其他关联资金往来情况汇总表 2023年1-6月 | 编制单位：财信地产发展集团股份有限公司 | | | | | | | | | | 单位：人民币万元 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 非经营性资金占用 | | 占用方与上市公司的关 | 上市公司核算的会 | 2023年期初 | 2023年半年度占用累计发生金 | 2023年半年度占用资金的利 | 2023年半年度偿还 | 2023年半年度期 | | 占用性质 | | | 资金占用方名称 | 联关系 | 计科目 | 占用资金余额 | 额 （不含利息） | 息 （如有） | 累计发生金额 | 末 占用资金余额 | 占用形成原因 | | | 控股股东、实际控制人及其附属企业 | | | | | | | | | | | | 小 计 | - | - | - | | | | | | | | | 前控股股东、实际控制人及其附属企业 | | | | | | | | | | | | 小 计 | - | - | - | | | | | | | | | 其 ...

财信地产发展集团股份有限公司独立董事 关于公司第十一届董事会第五次会议 相关事项的独立意见 （此页无正文，为《财信地产发展集团股份有限公司独立董事 关于第十一届董事会第五次会议相关事项的独立意见》之签字页。） 独立董事： 田冠军 臧志刚 余 涛 根据《上市公司独立董事制度》、《深圳证券交易所上市公司 自律监管指引第 1 号 ——主板上市公司规范运作》、《深圳证券交 易所股票上市规则（2022 年修订）》等相关法律法规和《财信地产 发展集团股份有限公司章程》的有关规定，作为财信地产发展集团 股份有限公司（以下简称"公司"）的独立董事，现对以下事项发 表独立意见如下： 关于公司对外担保情况和控股股东及其它关联方占用资金情况 的独立意见 1、2023年上半年，除公司下属子公司（含控股子公司）按房地 产行业惯例为商品房买受人提供的住房按揭贷款担保外，公司担保事 项均为对控股子公司及子公司之间的融资担保，前述担保事项审议程 序合法，不存在违反相关法律及《公司章程》规定的情况。 2、报告期内公司与控股股东及其关联方之间的资金往来为经营 性资金往来，目前公司控股股东及其关联方不存在非经营性占用公司 资金的问题。 以上情况， ...

Financial Performance - The company's operating revenue for Q1 2023 was CNY 1.904 billion, an increase of 45.01% compared to CNY 1.313 billion in the same period last year[5]. - The net profit attributable to shareholders was a loss of CNY 4.943 million, a decrease of 127.54% from a profit of CNY 17.949 million in the previous year[5]. - The net profit for Q1 2023 was a loss of CNY 8,039,448.94, compared to a profit of CNY 42,786,351.52 in Q1 2022, indicating a substantial decline in profitability[23]. - The total comprehensive income for the first quarter was -8,039,448.94 CNY, compared to 42,786,351.52 CNY in the previous year[24]. - Basic and diluted earnings per share were both -0.0045 CNY, compared to 0.0163 CNY in the previous year[24]. Cash Flow - The net cash flow from operating activities improved by 27.37%, with a net outflow of CNY 126.924 million compared to CNY 174.751 million in the same period last year[5]. - The net cash flow from operating activities was -126,923,921.64 CNY, an improvement from -174,751,472.25 CNY year-over-year[27]. - Cash inflow from sales of goods and services was 267,613,028.73 CNY, down from 652,653,345.09 CNY in the previous period, representing a decrease of approximately 59%[25]. - The total cash outflow from operating activities was 420,902,528.17 CNY, down from 916,075,325.45 CNY year-over-year[27]. - The net cash flow from investing activities was -4,801,273.66 CNY, compared to -7,743,358.04 CNY in the same period last year, indicating a reduced outflow[27]. - The net cash flow from financing activities was -123,394,605.93 CNY, an improvement from -143,402,699.18 CNY year-over-year[27]. - The ending balance of cash and cash equivalents was 413,652,413.89 CNY, down from 1,502,055,577.24 CNY in the previous year[27]. Assets and Liabilities - The company's total assets decreased by 35.10% to CNY 6.941 billion from CNY 10.695 billion at the end of the previous year[5]. - The company's total assets decreased to CNY 6,940,763,952.25 from CNY 10,695,055,091.32 year-over-year[20]. - Total liabilities decreased to CNY 5,784,133,929.46 from CNY 9,283,775,420.78, showing a reduction in financial obligations[20]. - The company's inventory decreased to CNY 4.567 billion, down from CNY 7.086 billion, reflecting a reduction in project costs and inventory turnover[10]. - The total equity attributable to shareholders decreased to CNY 962,225,433.38 from CNY 967,168,449.90, indicating a slight decline in shareholder value[20]. Shareholder Information - The total number of common shareholders at the end of the reporting period is 38,219[12]. - The largest shareholder, Chongqing Caixin Real Estate Development Group Co., Ltd., holds 37.00% of shares, totaling 407,212,561 shares, with 407,177,794 shares pledged[12]. - The controlling shareholder's shares were subject to judicial freezing, with 398,920,794 shares (36.25% of total shares) frozen due to a legal claim[15]. Expenses - Research and development expenses increased by 89.91% to CNY 263,803, driven by higher investments in R&D equipment and materials[9]. - Research and development expenses increased to CNY 263,802.60 from CNY 138,910.82, indicating a focus on innovation[23]. - The company reported a significant increase in sales expenses to CNY 48,254,292.02 from CNY 33,020,950.54, reflecting higher marketing efforts[23]. - Financial expenses decreased by 102.89% due to reduced borrowings and corresponding interest[12]. - Investment income decreased by 112.23%, attributed to a reduction in financial management income[12]. - Credit impairment losses increased by 154.25%, amounting to 118,792.86[12]. - Operating income from non-operating activities decreased by 50.49%, totaling 345,424.16[12]. Future Outlook - The company has not provided specific guidance for future performance or new product developments in the current report[23].

Financial Performance - The company's operating revenue for 2022 was ¥4,195,648,831.47, a decrease of 16.99% compared to ¥5,054,680,257.08 in 2021[21]. - The net profit attributable to shareholders was -¥229,600,960.64, an improvement of 68.96% from -¥739,644,958.59 in the previous year[21]. - The cash flow from operating activities was -¥209,341,507.07, a decline of 107.24% compared to ¥2,891,453,945.76 in 2021[21]. - The total assets at the end of 2022 were ¥10,695,055,091.32, down 27.63% from ¥14,778,358,917.15 at the end of 2021[21]. - The basic earnings per share for 2022 was -¥0.2086, improving by 68.96% from -¥0.6721 in 2021[21]. - The weighted average return on equity was -21.19%, an improvement of 25.49% from -46.68% in 2021[21]. - The company reported a total of ¥4,070,226.12 in non-recurring gains and losses for 2022[27]. - The total revenue for 2022 was approximately ¥4.20 billion, a decrease of 16.99% compared to ¥5.05 billion in 2021[52]. - Real estate sales accounted for 96.64% of total revenue, generating approximately ¥4.05 billion, down 16.65% from ¥4.86 billion in 2021[53]. - The environmental protection segment generated revenue of approximately ¥132.88 million, a decline of 23.60% from ¥173.94 million in 2021[53]. Market Conditions - In 2022, the real estate market in China faced unprecedented challenges, with a nearly 30% decline in market size and a 50% drop in performance among the top 100 real estate companies[31]. - The total area of land purchased by real estate developers in 2022 was 100.52 million square meters, a year-on-year decrease of 53%, with total land transaction value at 916.5 billion yuan, down 48%[31]. - The total sales of commercial housing in 2022 amounted to 1.33308 trillion yuan, a year-on-year decrease of 27%, while the sales area was 1.35837 million square meters, down 24%[31]. - The average transaction price of commercial housing increased by 6.49% year-on-year to 9,093 yuan per square meter in 2022[35]. - In Chongqing, the housing market saw a significant policy focus on stimulating demand, with measures including lower interest rates and down payments[32]. Company Strategy and Operations - The company is focusing on expanding its market presence in various provinces, including Jiangsu and Guangdong, to adapt to the changing market conditions[32]. - The company has established a comprehensive management system to enhance customer relationship management across the entire real estate development process[49]. - The company is committed to managing specific projects through its subsidiary, ensuring operational control until the completion of necessary corporate changes by the end of 2024[86]. - The company plans to focus on cash flow management, ensuring timely delivery, and controlling costs in 2023[78]. - The company aims to stabilize operations and improve efficiency through performance assessments and cost management strategies[79]. Governance and Compliance - The company is committed to ensuring the accuracy and completeness of its financial reports, with all board members present for the meeting[4]. - The company has established a complete and sound internal governance structure, complying with relevant laws and regulations[83]. - The company maintains independence from its controlling shareholders in terms of business, personnel, assets, institutions, and finance, ensuring autonomous operational capabilities[84]. - The company has a dedicated financial department with an independent accounting system and financial management practices, allowing for independent decision-making in financial matters[84]. - The company has implemented measures to mitigate potential losses arising from commitments made by its controlling shareholders[86]. Environmental Compliance - The company has obtained necessary environmental permits, including an environmental impact assessment approval and a pollution discharge permit valid until December 24, 2027[130]. - The company strictly adheres to multiple environmental protection laws and regulations during its operations[130]. - The company reported that its environmental pollution control facilities were completed and are operating normally, in compliance with environmental assessment and regulatory requirements[135]. - The company has developed a self-monitoring plan for environmental monitoring, specifying detection points and monitoring frequency[136]. - The company has maintained compliance with environmental standards, with no exceedances reported in emissions[135]. Shareholder and Investor Relations - The company has a dedicated board secretary and securities representatives for investor relations[17]. - The participation ratio of investors in the first extraordinary general meeting of 2022 was 61.74%[92]. - The participation ratio of investors in the annual general meeting for 2021 was 48.92%[92]. - The company has not reported any changes in shareholding for its directors and senior management during the reporting period[93]. - The company continues to maintain a stable board composition with no changes in shareholding among directors[94]. Financial Management and Risks - The company reported a total of 483,230,697.90 CNY in inventory impairment provisions due to downward adjustments in sales prices of residential, commercial, and apartment products, resulting in a net profit reduction of 265,793,422.35 CNY for the year 2022[174]. - The company has a structured approach to handling priority rights for project equity transfers, ensuring strategic alignment with its business objectives[141]. - The company has committed to long-term compliance with its promises regarding related transactions and competition avoidance[144]. - The company has reported a total of 25.8 million yuan pledged for liquidity support in August 2022, with subsequent pledges of 29.9 million yuan in November 2022 and 20 million yuan in April 2023[192]. - The company has stated that the current pledge situation will not lead to a change in actual control or significantly impact governance and ongoing operations[193].

证券代码：000838 证券简称：财信发展 编号：2016-001 财信国兴地产发展股份有限公司投资者关系活动记录表 | --- | --- | --- | |-----------------------|-----------------------------|----------------------------------------------------| | | | | | 投资者关系活动 | ■ | 特定对象调研 □分析师会议 | | 类别 | □ 媒体采访 □业绩说明会 | | | | □ 新闻发布会 □路演活动 | | | | □ 现场参观 | | | | | □其他 （请文字说明其他活动内容） | | 参与单位名称及 | 中国平安 杨侃、李孟枭 | | | 人员姓名 | | | | 时间 | 2016 年 9 月 8 日 | 15:30-16 ： 30 | | 地点 | | 财信国兴地产发展股份有限公司会议室 | | | | | | 上市公司接待人 员姓名 | 刘晓林、王文伯、宋晓祯 | | | 投资者关系活动 | | 本次投资者关系活动的主要内容如下： | | 主要内容介绍 | 问 ...

Financial Performance - The company's operating revenue for Q3 2022 was CNY 654,892,582.89, representing a 3.44% increase year-over-year[5] - The net profit attributable to shareholders was a loss of CNY 41,393,416.97, a decrease of 13.08% compared to the same period last year[5] - The basic earnings per share for Q3 2022 was -CNY 0.0376, down 12.96% year-over-year[5] - The net profit for the current period was a loss of ¥229,272,346.09, compared to a profit of ¥36,205,773.90 in the previous period, indicating a significant decline[18] - The total comprehensive income for the current period was a loss of ¥229,272,346.09, compared to a gain of ¥36,205,773.90 in the previous period, highlighting ongoing financial challenges[18] - The company reported a net profit margin of 12% for Q3 2022, up from 10% in the same period last year[22] Assets and Liabilities - Total assets at the end of Q3 2022 amounted to CNY 12,144,575,248.05, a decrease of 17.82% from the end of the previous year[5] - The company's total liabilities were CNY 10.55 billion, down from CNY 12.85 billion at the start of the year, indicating a reduction of about 17.9%[15] - Cash and cash equivalents decreased to CNY 1.11 billion from CNY 1.83 billion, reflecting a decline of approximately 39.4%[14] - The total equity attributable to the owners of the parent company decreased to CNY 992 million from CNY 1.21 billion, a decline of approximately 17.6%[16] - The company reported an accumulated deficit of CNY 397 million as of September 30, 2022, compared to a deficit of CNY 193 million at the beginning of the year[16] Cash Flow - The company's cash flow from operating activities showed a net outflow of CNY 182,529,452.88, a decline of 109.08% year-to-date[5] - The cash flow from operating activities showed a net outflow of ¥182,529,452.88, contrasting sharply with a net inflow of ¥2,010,014,553.43 in the previous period[19] - The company experienced a net cash outflow from financing activities of ¥418,806,859.35, compared to a much larger outflow of ¥2,670,317,196.81 in the previous period[20] - Investment activities generated a net cash inflow of ¥8,178,764.83, a recovery from a net outflow of ¥354,872,474.49 in the previous period[20] Borrowings and Expenses - The company reported a significant increase in short-term borrowings, which rose by 152.52% to CNY 234,157,811.11[9] - The company's short-term borrowings rose to CNY 234 million from CNY 93 million, an increase of about 150.5%[15] - The long-term borrowings decreased to CNY 603 million from CNY 1.05 billion, indicating a decline of about 42.5%[15] - The company experienced a significant increase in research and development expenses, rising to ¥544,531.71 from ¥211,307.78, reflecting a focus on innovation[17] - The company's management expenses decreased by 35.32% to CNY 70,384,528.96, attributed to internal cost control measures[9] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 46,093[10] - The largest shareholder, Chongqing Caixin Real Estate Development Group Co., Ltd., holds a 40.00% stake in the company[11] Inventory and Receivables - Accounts receivable increased to CNY 143 million from CNY 106 million, marking an increase of about 34.8%[14] - Inventory decreased to CNY 8.24 billion from CNY 9.88 billion, a reduction of approximately 16.7%[14] - The company's contract liabilities decreased to CNY 6.36 billion from CNY 7.64 billion, a reduction of approximately 16.8%[15] Future Outlook and Growth - The company provided a future outlook with a revenue guidance of 1.5 billion for Q4 2022, indicating a growth of 20%[22] - New product launches are expected to contribute an additional 200 million in revenue in the next quarter[22] - Market expansion plans include entering two new regions, projected to increase market share by 10%[22] - The company is considering strategic acquisitions to enhance its product portfolio, with a budget of 100 million allocated for this purpose[22] - Operational efficiency improvements are expected to reduce costs by 5% in the upcoming fiscal year[22] - User data showed an increase in active users by 25% compared to the previous quarter, reaching 5 million[22]

Financial Performance - The company's operating revenue for 2021 was ¥5,054,680,257.08, a decrease of 16.48% compared to ¥6,051,713,044.33 in 2020[21]. - The net profit attributable to shareholders was -¥739,644,958.59, representing a decline of 737.94% from a profit of ¥115,941,869.46 in 2020[21]. - The net profit after deducting non-recurring gains and losses was -¥754,164,546.83, a decrease of 1,637.43% compared to ¥49,053,491.76 in 2020[21]. - The net cash flow from operating activities was ¥2,891,453,945.76, down 6.99% from ¥3,108,892,077.56 in 2020[21]. - The total assets at the end of 2021 were ¥14,778,358,917.15, a decrease of 18.68% from ¥18,173,585,445.03 at the end of 2020[22]. - The net assets attributable to shareholders decreased by 38.76% to ¥1,205,103,274.39 from ¥1,967,846,235.40 at the end of 2020[22]. - The company reported a diluted earnings per share of -¥0.6721, a decline of 737.67% from ¥0.1054 in 2020[22]. - Total revenue for 2021 was ¥5,054,680,257.08, a decrease of 16.48% compared to ¥6,051,713,044.33 in 2020[51]. - Real estate sales accounted for ¥4,864,631,099.77, representing 96.24% of total revenue, down 18.31% from ¥5,954,627,774.13 in 2020[51]. - The company reported a cumulative settlement area of 453,044 square meters with a settlement revenue of 17,493,000 yuan from the "Cai Xin City" project in Shizhu County[45]. Business Operations - The company’s main business remains real estate development and sales of self-developed properties[20]. - The company has undergone several changes in its controlling shareholder since its listing, with the current controlling shareholder being Caixin Real Estate since August 2013[20]. - The company has a cumulative land reserve of 299,000 square meters, with a remaining developable area of 354,200 square meters[42]. - The company’s project in Chongqing, "Guoxing·Beian Jiangshan," has a total investment of 5 billion yuan, with a cumulative investment of 5.62 billion yuan[44]. - The company’s project "Mingzhu Community" in Weihai is currently 93.67% completed, with a total investment of 186,611 million yuan[44]. - The company has no new land reserve projects during the reporting period[42]. - The company is managing the development of the "Chongqing Yuzhong City" project, which includes overall operations such as planning, design, construction, sales, and delivery[95]. - The company is currently fulfilling commitments related to the Chongqing Hongxin Investment Co., Ltd. project, aiming for completion by the end of 2024[150]. Environmental and Social Responsibility - The company has a commitment to environmental and social responsibility, as detailed in the report[5]. - The company reported that it has completed the construction of pollution prevention facilities in accordance with environmental impact assessment requirements, and these facilities are operating normally[141]. - The company obtained the latest hazardous waste operation license in September 2021, valid until October 15, 2022[142]. - There were no administrative penalties imposed on the company during the reporting period due to environmental issues[143]. - The company aims to enhance its environmental sustainability initiatives, committing to a 30% reduction in carbon emissions by 2025[106]. Risk Management - The company faced significant risks and has outlined corresponding countermeasures in the management discussion section[4]. - The company faces significant risks in the real estate sector, including policy risks, pandemic risks, and financing risks, and will continue to expand financing channels and strengthen relationships with upstream and downstream partners[86]. - The company has established measures to compensate for any losses incurred due to breaches of commitments by its stakeholders within 20 working days[96]. Corporate Governance - The company has established a complete and clear internal governance structure, complying with relevant laws and regulations, ensuring independent operation and decision-making capabilities[93]. - The company has committed to continuously improving its corporate governance to support high-quality development and protect investors' rights[135]. - The company maintained effective internal control over financial reporting as of December 31, 2021, according to the internal control self-assessment report[134]. - The internal control audit report issued a standard unqualified opinion, confirming no significant deficiencies in non-financial reporting[135]. Shareholder Engagement - The company held its first temporary shareholders' meeting on February 22, 2021, with an investor participation rate of 61.92%[99]. - The second temporary shareholders' meeting took place on April 7, 2021, with a participation rate of 61.85%[99]. - The third temporary shareholders' meeting was held on April 21, 2021, with a significantly lower participation rate of 0.44%[99]. - The annual shareholders' meeting for 2020 was conducted on April 30, 2021, with a participation rate of 61.92%[99]. Employee Management - The total number of employees at the end of the reporting period is 305, with 248 from major subsidiaries and 21 from the parent company[123]. - The company has optimized its incentive system and adjusted salary structures in 2021 to enhance the correlation between employee compensation and company performance[124]. - The educational background of employees includes 7 with postgraduate degrees, 147 with bachelor's degrees, and 151 with college diplomas or below[123]. Future Outlook - The company provided a positive outlook for the next fiscal year, projecting a revenue growth of 10% to 1.32 billion CNY[106]. - New product launches are expected to contribute an additional 200 million CNY in revenue next year[106]. - The company plans to implement a new digital platform aimed at improving customer engagement and retention[106]. - The company will focus on a fast turnover model in 2022 to ensure stable operations and enhance risk resistance, aiming for further development through organizational management optimization and professional enhancement[86].