一、主要会计数据和财务指标 数据四舍五入，查看更多财务数据>> 三、分红送配方案情况 二、前10名无限售条件股东持股情况 不分配不转增 前十大流通股东累计持有： 5687.19万股，累计占流通股比： 16.9%，较上期变化： -629.89万股。 | 报告期指标 | 2024年年报 | 2023年年报 | 本年比上年增减(%) | 2022年年报 | | --- | --- | --- | --- | --- | | 基本每股收益（元） | -0.1634 | -0.3200 | 48.94 | -0.5000 | | 每股净资产（元） | 5.4 | 5.56 | -2.88 | 5.9 | | 每股公积金(元) | 5.31 | 5.28 | 0.57 | 5.25 | | 每股未分配利润(元) | -1.04 | -0.87 | -19.54 | -0.56 | | 每股经营现金流(元) | - | - | - | - | | 营业收入(亿元) | 11.67 | 10.02 | 16.47 | 12.33 | | 净利润(亿元) | -0.55 | -1.08 | 49.07 | -1.69 | | ...

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].

Investment Rating - The report does not explicitly state an investment rating for the industry or the specific company being analyzed [1]. Core Insights - The company focuses on financial technology solutions and data center solutions, establishing partnerships with leading AI companies to maintain technological leadership and explore AI applications across various verticals [18]. - The company has developed multiple AI Agent products, including intelligent customer service and credit agents, and has launched an Agent development platform [18][21]. - The generative business process AI agent is a key innovation that integrates generative AI with business process management, aimed at enhancing operational efficiency and decision-making in banks [19][20]. Summary by Sections 1. Basic Research Information - The research was conducted on March 7, 2025, focusing on the internet services industry, specifically the company Zhongke Jincai [13]. 2. Detailed Research Institutions - Various institutions participated in the research, including Guosen Securities, Minghe Investment, and Changxin Fund, among others [14][15]. 3. Research Institution Proportions - The report includes a breakdown of the participating institutions, but specific proportions are not detailed [16]. 4. Main Content Information - The company is a leading service provider in the banking sector, leveraging its experience to develop generative business process AI agents that can optimize resource allocation and enhance operational flexibility [20][21]. - The generative business process AI agent can significantly reduce decision-making and product development cycles by automatically generating solutions based on real-time data [22]. - The company has a comprehensive model selection and evaluation system, ensuring the integration of the latest models into its solutions [21].

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 ...

证券代码：002657 证券简称：中科金财 公告编号：2025-003 北京中科金财科技股份有限公司 关于公司回购股份的进展公告 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。 1、公司未在下列期间回购股份： （1）自可能对本公司证券及其衍生品种交易价格产生重大影响的重大事 项发生之日或者在决策过程中，至依法披露之日内； （2）中国证监会和深圳证券交易所规定的其他情形。 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 日在《证券时报》、 ...

Core Viewpoint - The collaboration between Beijing Zhongke Jincai Technology Co., Ltd. and Kuaishou Technology, along with other partners, has resulted in the launch of the micro-drama "Floating Dream Song," which combines live-action filming with AIGC (AI-Generated Content) technology, marking a significant innovation in the micro-drama industry [1][2]. Group 1: Micro-drama Industry Insights - The micro-drama format has experienced explosive growth in recent years, becoming a new trend in the entertainment industry due to its characteristics of being short, frequent, quick, and enjoyable, making it a preferred choice for audiences seeking leisure content during fragmented time [1]. - "Floating Dream Song" consists of 28 episodes and utilizes a combination of live-action and AIGC production techniques, showcasing the potential of this innovative approach in the micro-drama sector [1]. Group 2: AI Technology Applications - Zhongke Jincai provides AI technology services for the production of "Floating Dream Song," employing Kuaishou's multimodal large model capabilities to achieve low-cost and high-efficiency special effects [1]. - The AI technology is applied in several areas, including script creation, where a multimodal large model analyzes numerous micro-drama scripts to assist writers in generating outlines, dialogues, and storyboards, significantly enhancing creative efficiency [2]. - Scene construction benefits from AI by generating beautiful and fantastical scenes that align with the script, thus saving on manpower, material, and financial resources while ensuring diversity and authenticity in the visuals [2]. - Special effects in "Floating Dream Song" are produced using computer vision technology and deep learning algorithms, allowing for the integration of various effects such as weather, mythical creatures, and enhanced character abilities, enriching the overall visual experience [2]. Group 3: Future Directions - Zhongke Jincai aims to lead in AI application services and multimodal applications, collaborating with industry partners to drive the innovative application of technology and promote high-quality development in the industry [3]. - The company plans to deepen research and application of AI technology in the multimodal field, regularly evaluating leading multimodal large models to provide high-quality AIGC services and create a global multimodal creation and application ecosystem [3]. - Zhongke Jincai seeks to lower the creative threshold for the industry, enhance content supply, and expand multimodal application services to address the needs of long-tail enterprises in producing promotional videos and other content, thereby driving intelligent upgrades in the industry [3].