本人刘书锦，自 2019 年 7 月 26 日起至今担任北京中科金财科技股份有限公 司（以下简称"公司"）独立董事。目前，本人担任公司董事会审计委员会委员、 提名委员会委员、薪酬与考核委员会委员。2024 年度本人严格按照《公司法》、 《证券法》、《上市公司独立董事管理办法》、《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》等 法律、法规和规范性文件，以及《公司章程》、《公司独立董事工作制度》相关条 款的要求，恪尽职守、勤勉尽责，履行独立董事职责，充分发挥独立董事的独立 与监督作用。现将本人 2024 年度独立董事履职情况汇报如下： 一、独立董事基本情况 北京中科金财科技股份有限公司 2024 年度独立董事年度述职报告 （刘书锦） 各位股东及股东代表： 1、工作履历及专业背景 刘书锦，男，中国国籍，无境外永久居留权，1969 年出生。厦门大学会计 学硕士，注册会计师，注册资产评估师。历任甘肃会计师事务所项目经理、甘肃 证券公司投资银行部高级经理、海通证券有限公司投资银行总部融资八部部门经 理、长城证券有限责任公司投资银行事业部总经理助理、杭州营业部总经 ...

北京中科金财科技股份有限公司 2024 年度独立董事年度述职报告 （赵燕） 各位股东及股东代表： 本人赵燕，自 2022 年 3 月 21 日起至今担任北京中科金财科技股份有限公司 （以下简称"公司"）独立董事。目前，本人担任公司董事会战略委员会委员、 审计委员会委员、薪酬与考核委员会委员。2024 年度本人严格按照《公司法》、 《证券法》、《上市公司独立董事管理办法》、《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》等 法律、法规和规范性文件，以及《公司章程》、《公司独立董事工作制度》相关条 款的要求，勤勉尽责，履行独立董事职责。现将本人 2024 年度独立董事履职情 况汇报如下： 一、独立董事基本情况 1、工作履历及专业背景 赵燕，女，中国国籍，无境外永久居留权，1972 年出生。会计学学士，高 级会计师，中国注册会计师。历任五联联合会计师事务所有限公司部门经理、北 京五联方圆会计师事务所有限公司所长助理、国富浩华会计师事务所有限公司副 主任会计师、瑞华会计师事务所（特殊普通合伙）合伙人、中审众环会计师事务 所（特殊普通合伙）合伙人等职，现任北京国 ...

季成，男，中国国籍，无境外永久居留权，1975 年出生。毕业于香港城市 大学，硕士学位，中国执业律师、中国律师香港执业资格。曾任德衡律师集团（北 京）律师事务所律师，现北京德和衡律师事务所执行总裁、管理合伙人，武汉仲 裁委仲裁员、天津仲裁委仲裁员、鄂尔多斯仲裁委仲裁员、北海国际仲裁院仲裁 员、中国法学会法治文化研究会理事、最高人民检察院民事行政案件咨询专家， 兼任公司独立董事。2019 年 7 月 26 日起兼任公司独立董事。 2、不存在影响独立性的情况 作为公司独立董事，本人未在公司担任除独立董事以外的任何职务，本人及 直系亲属、主要社会关系均未在公司或其附属企业任职，亦不存在为公司及其控 股股东或者其各自的附属企业提供财务、法律、咨询等服务的情形，不存在妨碍 本人进行独立客观判断的情形，亦不存在违反《上市公司独立董事管理办法》第 六条规定的独立董事任职独立性要求的情形。 二、独立董事年度履职情况 北京中科金财科技股份有限公司 2024 年度独立董事年度述职报告 （季成） 各位股东及股东代表： 作为北京中科金财科技股份有限公司（以下简称"公司"）的独立董事，本 人严格按照《公司法》、《证券法》、《上市公司独 ...

董事会关于独立董事独立性评估的专项意见 北京中科金财科技股份有限公司董事会 2025 年 4 月 21 日 北京中科金财科技股份有限公司 经核查独立董事赵燕、刘书锦、季成的任职经历以及签署的相关自查文件， 上述人员未在公司担任除独立董事及董事会专门委员会委员以外的任何职务，也 未在公司主要股东公司担任任何职务，与公司以及主要股东之间不存在利害关系 或其他可能妨碍其进行独立客观判断的关系，不存在影响独立董事独立性的情况， 符合《上市公司独立董事管理办法》、《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》中对独立董事独立性的相关要求。 根据《上市公司独立董事管理办法》、《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》等要 求，北京中科金财科技股份有限公司（以下称"公司"）董事会，就公司在任 3 名 独立董事赵燕、刘书锦、季成的独立性情况进行评估并出具如下专项意见： ...

Financial Performance - The company's operating revenue for 2024 was ¥1,166,771,019.66, representing a 16.46% increase compared to ¥1,001,877,220.66 in 2023[16]. - The net profit attributable to shareholders for 2024 was -¥55,405,119.51, a 48.84% improvement from -¥108,302,352.29 in 2023[16]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was -¥61,299,087.99, showing a 51.24% improvement from -¥125,718,352.55 in 2023[16]. - The basic earnings per share for 2024 was -¥0.1634, improving by 48.94% from -¥0.3200 in 2023[16]. - The company reported a total cost of goods sold of 921,490,273.10 CNY in the current period, representing an increase of 19.69% from 769,877,844.50 CNY in the previous year[60]. - The company reported a net profit of 6,180,141 for the period, with a revenue of 18,006,420, indicating a strong performance in its core business segments[88]. Cash Flow and Investments - The net cash flow from operating activities for 2024 was -¥199,482,657.55, a significant decline from ¥23,757,685.62 in 2023, indicating a 939.66% decrease[16]. - The company reported a significant decrease in cash flow from operating activities, indicating potential liquidity challenges moving forward[16]. - Investment cash inflow decreased by 46.22% to ¥1,653,073,550.61, attributed to a reduction in redeemed financial products[71]. - Investment cash outflow decreased by 56.29% to ¥1,352,994,626.64, reflecting reduced cash payments for investments[71]. - Net cash flow from investment activities increased by 1,472.48% to ¥300,078,923.97, due to decreased investment payments[71]. - Financing cash inflow increased by 52.85% to ¥78,237,686.00, mainly from increased bank borrowings[73]. - Financing cash outflow surged by 1,510.23% to ¥68,918,049.07, due to increased payments for share repurchases and loan repayments[73]. Revenue Segmentation - Revenue from the financial sector was ¥678,476,666.95, accounting for 58.15% of total revenue, with a year-on-year increase of 3.15%[51]. - Revenue from the enterprise sector surged by 64.81% to ¥364,722,502.34, representing 31.26% of total revenue[51]. - The company achieved total revenue of ¥1,166,771,019.66 in 2024, representing a year-on-year increase of 16.46% from ¥1,001,877,220.6 in 2023[50]. - The company reported a significant increase in revenue from artificial intelligence services, which reached ¥207,717,031.53, marking a 100% increase year-on-year[51]. Research and Development - The company invested ¥172,805,425.91 in R&D in 2024, focusing on enhancing technological innovation capabilities[50]. - Research and development expenses increased by 19.32% to 172,805,425.91 CNY in 2024, compared to 144,830,307.32 CNY in 2023[66]. - The number of R&D personnel decreased by 7.45% to 472, with a notable increase in PhD holders by 100% to 2[69]. - The company has developed over 227 software copyrights and 13 invention patents in the financial technology sector, including various banking systems and digital management platforms[34]. Market and Industry Trends - The software and information technology service industry in China saw a revenue growth of 10% in 2024, reaching 1.37 trillion yuan, highlighting a robust market environment[26]. - The global AI industry is projected to reach 623.3 billion USD in 2024, with a year-on-year growth of 21.5%, indicating strong demand for AI solutions[26]. - The financial technology market in China is expected to reach 2.8 trillion yuan in 2024, with a compound annual growth rate of over 18%[28]. - The company is focusing on integrating AI technologies to enhance operational efficiency and reduce costs in the financial sector[28]. Governance and Compliance - The company has established a comprehensive governance structure in compliance with relevant laws and regulations, ensuring effective decision-making and oversight[102]. - The company maintains complete independence from its controlling shareholder in terms of assets, personnel, finance, organization, and business operations[108]. - The board of directors consists of three independent directors, accounting for one-third of the total board members, complying with legal and regulatory requirements[104]. - The company has implemented strict information disclosure practices, ensuring timely and accurate communication with investors through designated media[105]. Employee and Management Structure - Total employee count at the end of the reporting period was 650, with 472 technical staff, representing 72.77% of the workforce[140]. - Employee compensation totaled 180,519,192.62 CNY, accounting for 14.54% of the company's total costs, with core technical personnel comprising 30.15% of the total workforce[141]. - The company has established a multi-level partner management responsibility system to engage all employees in management, aiming for a competitive compensation structure[141]. - The company plans to implement a stock incentive plan, approved on August 1, 2023, to motivate employees and align their interests with the company's performance[148]. Risk Management - The company has identified risks including market competition, industry technology, human resources, and policy risks, which are detailed in the management discussion section[4]. - The company has identified potential risks including market competition, technology updates, human resources, and policy changes, and is taking measures to mitigate these risks[94][95][96][97]. Strategic Partnerships and Collaborations - The company has established partnerships with major cloud service providers like Alibaba Cloud, Tencent Cloud, and Microsoft Azure, enhancing its infrastructure capabilities[36]. - The company has established strategic partnerships with several universities and research institutions to bolster its R&D capabilities[49]. Future Outlook - The company plans to continue enhancing its competitive capabilities and sustainable development in 2025, focusing on stakeholder interests[166]. - The company anticipates continued growth in the digital economy, with a focus on diversifying its talent pool to meet evolving market demands[49].

证券代码：002657 证券简称：中科金财 北京中科金财科技股份有限公司投资者关系活动记录表 参考国际银行业架构网络组织的规划，商业银行体系通常 包含约 400 个基础能力组件。随着我国银行业信创工程的深化 实施，基于分布式架构体系下的组件间连接将成为银行对内外 提供价值服务的常态化模式，由此构建以银行为驱动者的价值 网络生态。为适应市场环境变化，银行需持续对组件间连接进 行动态重组，以优化价值创造过程中的资源配置，形成弹性业 务运营架构体系。面对银行服务的动态演化需求，传统技术架 编号：039 | 投资者关系 | □特定对象调研 □分析师会议 | | --- | --- | | 活动类别 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | | □现场参观 | | | ▇其他（线上会议） | | 活动参与人 | 上市公司参与人员： | | 员 | 公司董事长朱烨东；公司董事会秘书王姣杰 | | | 参与机构名称： | | | 国信证券；明河投资；长信基金；宝盈基金；尚雅投资；光大保 | | | 德信基金；Sumitomo Mitsui DS Asset Management；中邮人寿 ...

Summary of Zhongke Jincai Conference Call Company Overview - Zhongke Jincai focuses on AI applications based on industry large models, multimodal applications, and AI agent services, with successful implementations in sectors like automotive (Geely's smart cockpit) and banking (customer service, credit, investment research agents) with order sizes reaching millions [2][4][5] Core Insights and Arguments - The company has developed a Generative Business Process Intelligent Agent (GBPA) that integrates generative AI, Business Process Management (BPM), and cutting-edge AI technologies to facilitate agile and intelligent transformation for enterprises, applicable in core banking operations, financial decision-making, product management, risk control, and customer channels [2][6][7] - The banking industry is undergoing a transformation towards componentized development to adapt to rapid market changes, with agent technology enabling automated product design and process automation through API calls [2][9] - Zhongke Jincai possesses advantages in the banking sector due to its founding team's industry experience, early investments in AI, long-term partnerships with multiple banks, and expertise in business integration and process modeling [2][10] - The GBPA can provide comprehensive analysis by utilizing both global and process data, helping banks to uncover previously unnoticed relationships and causal links, thus enabling more informed strategic decisions [4][15] Market Potential - The market for business process intelligent agents is substantial, with the combined market size of state-owned commercial banks, national commercial banks, and the top 100 city commercial banks estimated at around 100 billion RMB. If all banks adopt this technology, the market could reach trillions [12][17] - Approximately 80% of the work in this market will be handled by third-party suppliers like Zhongke Jincai, which is currently positioned at an international leading level in this field [12] Competitive Landscape - Zhongke Jincai competes and collaborates with major players like Baidu and Alibaba in the large model application space, focusing on vertical applications and maintaining a comprehensive evaluation system for large models [2][11] Future Directions - The company envisions the next generation of banks as generative business process banks, investing heavily in the development of generative process intelligent agents to meet the demands of digital and intelligent transformation [8][9] - The emergence of agent technology and advancements in artificial general intelligence (AGI) are enabling flexible and efficient automation across various processes [9] Challenges and Strategies - Zhongke Jincai faces challenges in human productivity and profitability due to traditional development models being tightly bound to human resources. The company is currently in a transition phase, reallocating personnel towards AI technology development while remaining optimistic about future performance [24] Additional Insights - The company has established partnerships with leading AI firms such as Microsoft, Alibaba, Google, Tencent, Huawei, and others, positioning itself as a framework service provider for public AI large models [3] - The legal AI market is also being explored, with applications aimed at enhancing legal marketing and providing legal assistance, indicating a broadening of the company's service offerings [19]

截至 2025 年 2 月 28 日，公司通过回购专用证券账户以集中竞价方式回购 公司股份 1,476,155 股，占公司总股本的 0.43%；回购股份最高成交价为 20.65 元/股，最低成交价为 10.57 元/股，总成交金额为人民币 20,000,955.55 元（不 证券代码：002657 证券简称：中科金财 公告编号：2025-004 北京中科金财科技股份有限公司 关于回购股份进展暨回购完成的公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有 虚假记载、误导性陈述或重大遗漏。 北京中科金财科技股份有限公司（以下简称"公司"）于 2024 年 3 月 11 日 召开第六届董事会第十二次会议审议通过了《关于公司回购股份方案的议案》， 同意公司使用自有资金以集中竞价交易的方式回购公司股份，用于实施公司员 工持股计划或股权激励计划。回购价格不超过 21.68 元/股（含本数），回购资 金总额不低于人民币 2,000 万元（含本数）且不超过人民币 4,000 万元（含本 数），具体回购股份的数量以回购期限届满时实际回购的股份数量为准。本次回 购股份的实施期限为自公司董事会审议通过回购方案之日 ...

Company Overview - Beijing Zhongke Jincai Technology Co., Ltd. focuses on digital technology to provide comprehensive financial technology and data center services for financial institutions, government, and enterprises, integrating AI and Web 3.0 technologies [1] - The company has established extensive partnerships with leading international enterprises in the AI field, maintaining technological leadership and business foresight [1] R&D Focus for 2025 - The company will invest in AI industry applications, multimodal applications, and AI Agent directions [2] - A complete model selection, evaluation, and application system is in place, regularly assessing leading domestic and international models to adapt the best solutions for various business scenarios [2] - The company has developed a multi-scenario, multi-base large model engine that can manage mainstream large model bases, optimizing routing and scheduling based on industry and scenario needs [2] Collaboration with Alibaba Cloud - The company is a partner of Alibaba Cloud, providing consulting, sales, product solutions, and technical services [2] - It serves as a public cloud AI large model framework service provider, engaging in model consulting, delivery implementation, operation maintenance, and engineering tuning [2] - The company's large model knowledge base Q&A joint solution has been selected for Alibaba's "One Finger Zen" initiative [2] Collaboration with Tencent Cloud - The company is a standard-level integration partner with Tencent Cloud, with its multi-scenario, multi-base large model engine integrated into Tencent's mixed Yuan large model [2]

根据《深圳证券交易所上市公司自律监管指引第9号一一回购股份（2023年修订）》等相关规定，现将 公司回购股份的进展情况公告如下：截至目前，公司通过回购专用证券账户以集中竞价方式回购公司股 份1,476,155股，占公司总股本的0.43%；回购股份最高成交价为20.65元/股，最低成交价为10.57元/股， 总成交金额为人民币20,000,955.55元（不含交易税费）。 二、其他说明 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记载、误导性陈述或重大遗 漏。 北京中科金财科技股份有限公司（以下简称"公司"）于2024年3月11日召开第六届董事会第十二次会议 审议通过了《关于公司回购股份方案的议案》，同意公司使用自有资金以集中竞价交易的方式回购公司 股份，用于实施公司员工持股计划或股权激励计划。回购价格不超过21.68元/股（含本数），回购资金 总额不低于人民币2,000万元（含本数）且不超过人民币4,000万元（含本数），具体回购股份的数量以 回购期限届满时实际回购的股份数量为准。本次回购股份的实施期限为自公司董事会审议通过回购方案 之日起12个月内。具体内容详见公司于2024年3月12 ...