Core Viewpoint - The document outlines the risk investment management system of Hengbao Co., Ltd., emphasizing the need for regulatory compliance, risk control, and protection of investor interests while detailing the procedures and principles governing risk investments [1][2]. Group 1: General Principles - The risk investment is defined as investments in securities, real estate, trust products, and other recognized investment behaviors, aimed at enhancing capital efficiency and generating returns [1]. - The company must adhere to national laws and regulations, prevent investment risks, and ensure that investments do not disrupt normal business operations [2]. - The funding for risk investments must come from the company's own funds, including capital, retained earnings, and operational liquidity, and cannot involve raised funds for securities trading [2][3]. Group 2: Decision-Making Authority - Risk investment decisions must follow legal approval processes as per stock listing rules and company regulations [3]. - The securities department is responsible for drafting investment proposals, which must include investment objectives, amounts, methods, and potential impacts on the company [3][4]. - The board of directors must ensure that internal control systems are in place and that investment risks are manageable [4]. Group 3: Management Control Procedures - The chairman of the board is the primary responsible person for risk investment management, overseeing agreements and contracts [5]. - The finance department manages the funds for risk investments, while the internal audit department conducts audits and reports on investment projects [5][6]. - The audit committee reviews investment risks and compliance with internal controls, reporting on projects that do not meet expected benefits [6][7]. Group 4: Securities Investment Guidelines - Securities investments must be conducted according to approved plans, ensuring risk prevention and secure fund operations [6]. - New stock subscriptions require designated personnel to manage the process and report outcomes to the chairman [6][7]. - Investments should focus on blue-chip stocks and avoid those with significant risks or governance issues [7]. Group 5: Information Disclosure - The company must fulfill its obligation to disclose risk investment activities in accordance with regulatory requirements [8]. - Regular reports should include details on the investment portfolio, including types, amounts, and performance [8][9]. - Financial departments are responsible for daily accounting of securities investments and ensuring compliance with accounting standards [9]. Group 6: Accountability and Compliance - The company will hold individuals accountable for unauthorized risk investment activities or violations of regulations [10]. - Accountability measures will be enforced for those who provide false information or fail to report significant losses [10]. - The company will adhere to relevant laws and regulations for any matters not covered in the investment management system [12].

公司与大股东及其关联方发生关联交易时，资金审批和支付流程必须严格执行关 联交易和资金管理有关规定，不得形成非正常的经营性资金占用。 恒宝股份有限公司 防范大股东及关联方资金占用管理条例 第一章 总则 第一条 为进一步规范恒宝股份有限公司（以下简称"公司"）与大股东及关联 方资金往来，建立健全防范大股东及关联方占用公司资金的长效机制，根据《中华人 民共和国公司法》《上市公司监管指引第 8 号——上市公司资金往来、对外担保的监 管要求》等相关法律、法规，中国证监会相关规范性文件以及公司章程等相关规定， 特制定本条例。 第二条 本条例所称资金占用包括经营性资金占用和非经营性资金占用。 经营性资金占用是指大股东及关联方通过购销商品及接受或提供劳务等生产经 营环节的关联交易产生的资金占用。非经营性资金占用包括但不限于：为大股东及关 联方垫付工资、福利、保险、广告等费用和其他支出，代大股东及关联方偿还债务而 支付资金，有偿或无偿直接或间接拆借给大股东及关联方资金，为大股东及关联方承 担担保责任而形成的债权，其他在没有商品和劳务对价情况下提供给大股东及关联方 使用资金等。 纳入公司合并会计报表范围的子公司适用本条例，公司大 ...

Core Points - The document outlines the fundraising management measures of Hengbao Co., Ltd, aiming to regulate the management of raised funds and improve their utilization efficiency [1][2] - It emphasizes the importance of adhering to legal regulations and company commitments regarding the use of raised funds [1][2] Fundraising Management - The company must ensure that the use of raised funds aligns with the commitments made in the issuance application documents and must not change the intended use without proper disclosure [1][2][3] - The board of directors is responsible for the effective implementation of these measures and must monitor the management and usage of raised funds [2][3] Fund Storage - Raised funds should be stored in a designated special account, and any excess funds must also be managed within this account [3][4] - A tripartite supervision agreement must be signed with the underwriter or independent financial advisor and the commercial bank within one month of the funds being received [3][4] Fund Usage - Funds should primarily be used for the main business activities, and high-risk investments are prohibited [5][6] - The company must ensure the authenticity and fairness of fund usage, preventing misuse by controlling shareholders or related parties [5][6] Project Feasibility and Reporting - If a fundraising project faces significant changes in market conditions or delays, the company must reassess its feasibility and report the findings [5][6][7] - Any changes in the use of funds or project implementation must be approved by the board and disclosed to shareholders [6][7] Supervision and Audit - The accounting department must maintain detailed records of fund usage, and internal audits should be conducted quarterly [15][16] - The board must regularly review the status of fundraising projects and report any discrepancies in fund usage [15][16][17] Conclusion - The measures are designed to ensure that the company manages its raised funds responsibly, adhering to legal requirements and maintaining transparency with stakeholders [1][2][3]

（以下简称《证券法》）、中国证券监督管理委员会（以 下简称"中国证监会"）《上市公司董事和高级管理人员所持本公司股份及其变 动管理规则》 恒宝股份有限公司 董事和高级管理人员所持本公司股份及其变动管理 （以下简称《管理规则》）、 制度 《深圳证券交易所上市公司自律监管指引 第 10 号——股份变动管理》（以下简称《监管指引》）《上市公司收购管理办法》 （以下简称《收购管理办法》）等法律、法规、规范性文件以及《恒宝股份有限 公司章程》 第一章 总则 （以下简称《公司章程》）的有关规定，结合公司的实际情况，特制定 本制度。 第二条 本制度适用于公司的董事和高级管理人员所持本公司股份及其变 动的管理。 第一条 为加强对公司董事、高级管理人员所持本公司股份及其变动的管理， 进一步明确办理程序，根据《中华人民共和国公司法》（以下简称《公司法》）、 《中华人民共和国证券法》 （一）新上市公司的董事、高级管理人员在公司申请股票上市时； 第三条 公司董事、高级管理人员在买卖本公司股票及其衍生品种前，应知 悉《公司法》《证券法》等法律、法规关于内幕交易、操纵市场等禁止行为的规 定，不得进行违法、违规的交易。 （二）新任董事在股 ...

恒宝股份有限公司 股东会议事规则 第一章 总则 第一条 为规范恒宝股份有限公司（以下称"公司"）行为，保证股东会依法 行使职权，根据《中华人民共和国公司法》（以下称"《公司法》"）、《中华人 民共和国证券法》（以下称"《证券法》"）、《上市公司股东会规则》《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》（以下称"《规 范运作指引》"）、《恒宝股份有限公司章程》（以下称"《公司章程》"）及其 他有关法律、法规和规范性文件的规定，制定本议事规则（以下称"本规则"）。 第二条 公司股东会的召集、提案、通知、召开等事项适用本规则。 第三条 公司应当严格按照法律、行政法规、本规则及《公司章程》的相关规 定召开股东会，保证股东能够依法行使权利。 公司董事会应当切实履行职责，认真、按时组织股东会。公司全体董事应当忠 实、勤勉、尽责，确保股东会正常召开和依法行使职权。 第四条 股东会应当在《公司法》和《公司章程》规定的范围内行使职权。 第五条 股东会分为年度股东会和临时股东会。年度股东会每年召开一次，应 当于上一会计年度结束后的六个月内举行。临时股东会不定期召开。出现《公司法》 及《公司章程》相关规定的 ...

关联交易决策规则 (2025年8月修订) 第一章 总则 第三条 公司关联交易应当遵循以下基本原则： （一）公开、公正、公平的原则； 第一条 为规范恒宝股份有限公司（以下称"公司"）的关联交易行为，根据《中 华人民共和国公司法》 （以下称"《公司法》"）、 （二）诚实信用的原则； 《中华人民共和国证券法》 （以下称"《证 券法》"）、 《深圳证券交易所股票上市规则》、《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》及《恒宝股份有限公司章程》 （以下称"《公 司章程》"）等相关规定，特制定本关联交易决策规则（以下称"本规则"）。 第二条 本规则规定了公司关联交易行为的基本原则，决策权限和程序，规定 了关联交易应履行的信息披露义务，是维护公司和全体股东利益，处理关联交易活 动的行为准则。 （五）按法律、法规和《公司章程》规定应当回避的。 第五条 有关关联交易决策的会议记录、决议文件作为公司档案保存。 第二章 关联人和关联关系 第六条 公司关联人包括关联法人、关联自然人。 第七条 具有以下情形之一的法人，为公司的关联法人： （三）回避表决的原则； （四）聘请专业机构或人士发表独立意见的原则。 ...

恒宝股份(002104.SZ)发布2025年半年度报告，该公司营业收入为4.3亿元，同比减少8.64%。归属于上市 公司股东的净利润为3535.41万元，同比减少44.41%。归属于上市公司股东的扣除非经常性损益的净利 润为2258.18万元，同比减少50.06%。基本每股收益为0.0499元。 ...

Core Viewpoint - Hengbao Co., Ltd. reported a decline in revenue and net profit for the first half of 2025, indicating challenges in maintaining growth amidst a competitive landscape [1][4]. Financial Performance - Revenue for the reporting period was approximately CNY 430.17 million, down 8.64% from CNY 470.84 million in the same period last year [4]. - Net profit attributable to shareholders decreased by 50.06% to CNY 22.58 million from CNY 45.22 million year-on-year [4]. - Basic and diluted earnings per share fell by 44.80% to CNY 0.0499 from CNY 0.0904 [4]. - Total assets decreased by 1.87% to CNY 2.38 billion from CNY 2.42 billion at the end of the previous year [4]. Business Overview - The company focuses on financial technology, IoT, digital security, and digital services, providing comprehensive solutions to banks, telecom operators, and government sectors [5][6]. - Hengbao has established strong partnerships with over 100 banks and four major telecom operators in China, and is expanding its presence in Southeast Asia, South Asia, and Africa [5][6]. Key Business Segments - The core business includes payment and terminal ecosystems, digital finance, and digital currency solutions, with a focus on enhancing customer experience through innovative products [6][7]. - The company is actively involved in the development of digital RMB technology and has partnered with several banks to explore application scenarios [7]. Market Position and Strategy - Hengbao aims to build a "security + connectivity" solution barrier, investing in cryptography and quantum security algorithms to enhance its competitive edge [8]. - The company has a comprehensive service network covering 26 key strategic provinces in China and has established a presence in international markets such as Singapore and Kenya [11]. Research and Development - The company has applied for a total of 647 patents and holds 345 software copyrights, indicating a strong commitment to innovation and technology development [10]. - Hengbao's R&D investment for the reporting period was approximately CNY 44.94 million, a decrease of 5.31% compared to the previous year [12].

恒宝股份有限公司 2025 年半年度报告摘要 证券代码：002104 证券简称：恒宝股份 公告编号：2025-036 恒宝股份有限公司 2025 年半年度报告摘要 恒宝股份有限公司 2025 年半年度报告摘 要 本半年度报告摘要来自半年度报告全文，为全面了解本公司的经营成果、财务状况及未来发展规划，投 资者应当到证监 会指定媒体仔细阅读半年度报告全文。 所有董事均已出席了审议本报告的董事会会议。 非标准审计意见提示 □适用 ?不适用 一、重要提示 董事会决议通过的本报告期优先股利润分配预案 □适用 ?不适用 二、公司基本情况 股票简称 恒宝股份 股票代码 002104 股票上市交易所 深圳证券交易所 联系人和联系方式 董事会秘书 证券事务代表 姓名 王坚 办公地址 江苏省丹阳市横塘工业区 电话 0511-86644324 董事会审议的报告期利润分配预案或公积金转增股本预案 □适用 ?不适用 公司计划不派发现金红利，不送红股，不以公积金转增股本。 公司是否需追溯调整或重述以前年度会计数据 电子信箱 ir@hengbao.com □是 ?否 本报告期比上年同期 本报告期 上年同期 增减 营业收入（元） 430,1 ...

恒宝股份有限公司（以下简称"公司"）第八届董事会第七次会议于 2025 年 8 月 26 日上午以通讯方式召开。 一、 董事会会议召开情况 证券代码：002104 证券简称：恒宝股份 公告编号：2025-033 恒宝股份有限公司 第八届董事会第七次会议决议 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。 司全体董事发出了会议通知。 召开。 员有公司董事会秘书。 二、董事会会议审议情况 （一） 会议以 9 票同意、0 票反对、0 票弃权的结果审议通过了《2025 年半 年度报告及摘要》。 公司 2025 年半年度报告全文详见巨潮资讯网（http://www.cninfo.com.cn）， 年报摘要刊登在 2025 年 8 月 27 日的《证券时报》、《中国证券报》、《上海证 券报》上，供投资者查阅。 本议案已经公司董事会审计委员会审议通过。 （二） 会议以 9 票同意、0 票反对、0 票弃权的结果审议通过了《关于修订 <公司章程> 的议案》。 为进一步完善公司法人治理结构，促进公司规范运作，根据《中华人民共和 国公司法》《关于新〈公司法〉配套制度规则实施相关过渡 ...