证券代码： 002285 证券简称：世联行 深圳世联行地产顾问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 人员姓名 | | 电话说明会参加机构如下：兴业证券、东方证券、保银投资、北京鸿盈 资本、 ...

Group 1: Financial Products Overview - The company has been involved in small loan business since 2013, initially targeting corporate clients and later expanding to family consumer loans, with loan amounts of CNY 1.97 billion in 2014 and CNY 2.99 billion in 2015, primarily in lower-tier cities [2][3] - The "Home Round Cloud Loan" product has issued over CNY 5 billion in loans, with an average loan amount of CNY 80,000 and a term of approximately 10 months, maintaining a non-performing loan rate of around 1% [3] Group 2: Market Dynamics and Risks - The media's concern regarding "down payment loans" is that they may lower the down payment ratio, increasing leverage and potentially driving up housing prices, which could lead to a crisis if prices do not decline [3] - Unlike the U.S., where subprime loans contributed to a financial crisis, China's higher savings rate and stricter lending criteria (down payments can exceed 20%) mitigate the risk of a systemic subprime crisis [3] Group 3: Real Estate Market Insights - The focus is shifting to second-tier cities, with cities like Suzhou, Nanjing, Zhengzhou, Wuhan, and Xiamen showing promising market conditions, while first-tier cities have already experienced a phase of price and volume growth [4] - Shenzhen's housing market is influenced by the stock market, with significant wealth effects observed, as seen in the rapid sale of high-value properties [6] Group 4: Government Policies and Housing Supply - The government plans to introduce 400,000 affordable housing units in Shenzhen, which is relatively small compared to the total housing stock of approximately 1.28 million units, indicating a supply-demand imbalance [6] - The low birth rate may impact the real estate market, but the effect on first-tier cities is expected to be manageable, as urbanization trends continue to concentrate populations in core cities [6]

证券代码： 002285 证券简称：世联行 1 深圳世联行地产顾问股份有限公司投资者关系活动记录表 编号：20160517 | --- | --- | --- | |-----------------------|-------------------------------|--------------------------------------------------------------| | | | | | 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 | 高盛（亚洲）有限责任公司、 | BlackRock | | 人员姓名 | | | | 时间 | 2016 年 05 月 17 日 | | | 地点 | 世联行总部 15 楼 | | | 上市公司接待人 员姓名 | | 副总经理、董秘袁鸿昌先生；证券事务代表赵飞鸿先生 | | 投资者关系活动 | Q1 ：深圳四月份房价涨幅超 | ...

证券代码： 002285 证券简称：世联行 编号：20160303 深圳世联行地产顾问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 ...

证券代码： 002285 证券简称：世联行 1 深圳世联行地产顾问股份有限公司投资者关系活动记录表 | --- | --- | --- | |----------------|--------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

证券代码： 002285 证券简称：世联行 1 深圳世联行地产顾问股份有限公司投资者关系活动记录表 编号：20160831 | --- | --- | --- | |-------------------------|----------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | | | | | 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 人员姓名 | CapitalGroup Limited | 中金公司 宁静鞭、肖月、吕功绩；长盛基金 张杭；国投瑞银 ...

证券代码： 002285 证券简称：世联行 深圳世联行地产顾问股份有限公司投资者关系活动记录表 编号：20160929 | --- | --- | --- | |----------------|-----------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ ...

证券代码： 002285 证券简称：世联行 深圳世联行地产顾问股份有限公司投资者关系活动记录表 编号：20161102 | --- | --- | --- | |-----------------------------|--------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | ...

证券代码： 002285 证券简称：世联行 深圳世联行地产顾问股份有限公司投资者关系活动记录表 | --- | --- | --- | |----------------|----------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

证券代码： 002285 证券简称：世联行 深圳世联行地产顾问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 | ...