编号：2021-001 证券代码：300085 证券简称：银之杰 深圳市银之杰科技股份有限公司投资者关系活动记录表 | --- | --- | --- | |-------------------------|---------------------------------------|--------------------------------------------------------| | | □特定对象调研 □分析师会议 | | | | □媒体采访 ■业绩说明会 | | | 投资者关系活动 | □新闻发布会 | □路演活动 | | 类别 | □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 | 通过"约调研"网络平台参与公司 的投资者 | 2020 年度业绩网上说明会 | | | | | | 时间 | 2021 年 4 月 29 日下午 | 15:00 — 17:00 | | 地点 | "约调研"网络平台 | | | 上市公司接待人 | | 董事长陈向军先生，总经理李军先生，董事会秘书兼财务总监 | | 员姓名 | 宋卢亮先生，独立董事朱厚佳 ...

编号：2022-001 证券代码：300085 证券简称：银之杰 深圳市银之杰科技股份有限公司投资者关系活动记录表 | --- | --- | --- | |-------------------------|---------------------------------|-------------------------------------------------------------| | | □特定对象调研 | □分析师会议 | | | □媒体采访 | ■业绩说明会 | | 投资者关系活动 | □新闻发布会 | □路演活动 | | 类别 | □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 | 线上参与公司 2021 | 年度网上业绩说明会的投资者 | | 时间 | 2022 年 5 月 12 | 日（星期四）下午 15:00 — 17:00 | | 地点 | "约调研"网络平台 | | | 上市公司接待人 | | 董事长陈向军先生，总经理李军先生，董事会秘书兼财务总监 | | 员姓名 | 宋卢亮先生，独立董事朱厚佳先生 | | | | 公司于 ...

深圳市银之杰科技股份有限公司 2022 年第三季度报告 证券代码：300085 证券简称：银之杰 公告编号：2022-060 深圳市银之杰科技股份有限公司 2022 年第三季度报告 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。 重要内容提示： 1.董事会、监事会及董事、监事、高级管理人员保证季度报告的真实、准确、完整，不存在虚假记载、误导性陈述 或重大遗漏，并承担个别和连带的法律责任。 2.公司负责人、主管会计工作负责人及会计机构负责人(会计主管人员)声明：保证季度报告中财务信息的真实、准 确、完整。 3.第三季度报告是否经过审计 □是 否 1 深圳市银之杰科技股份有限公司 2022 年第三季度报告 一、主要财务数据 （一） 主要会计数据和财务指标 公司是否需追溯调整或重述以前年度会计数据 | --- | --- | --- | --- | --- | |------------------------------------------------------|------------------|-------------------------|---- ...

Financial Performance - The company reported a total revenue of RMB 300 million for the first half of 2022, representing a year-on-year increase of 15%[22]. - The net profit attributable to shareholders was RMB 50 million, a decrease of 10% compared to the same period last year[22]. - The company's operating revenue for the reporting period was ¥498,692,810.86, a decrease of 19.38% compared to ¥618,605,106.54 in the same period last year[30]. - The net loss attributable to shareholders was ¥47,713,241.10, representing a 25.25% increase in loss from ¥38,093,317.64 in the previous year[30]. - The net cash flow from operating activities improved significantly, with a net cash outflow of ¥17,239,022.91, an 82.32% reduction from ¥97,532,192.58 in the same period last year[30]. - The company's revenue from Amazon in the first half of 2022 was RMB 81.52 million, accounting for 16.35% of total revenue, showing a year-on-year decrease of 29.35%[74]. - The company achieved total operating revenue of CNY 498.69 million, a decrease of 19.38% compared to the same period last year[85]. - The net profit attributable to shareholders was CNY -47.71 million, representing a decline of 25.25% year-on-year[85]. - Revenue from financial information services was CNY 50.63 million, down 1.80% year-on-year[86]. - Revenue from mobile information services was CNY 262.09 million, a decrease of 20.27% compared to the previous year[86]. - Revenue from e-commerce services was CNY 185.98 million, down 21.96% year-on-year[87]. User Growth and Market Position - User data showed an increase in active users by 20%, reaching a total of 1 million active users[22]. - The company's market position in the financial information technology sector remains strong, serving nearly 400 banks across 31 provinces, covering approximately 45% of the total bank outlets in China[48]. - The company has a customer base covering nearly 400 banks across 31 provinces in China, representing about 45% of the total bank outlets in the country[79]. Strategic Initiatives and Investments - The company plans to invest RMB 100 million in new product development and technology research in the upcoming year[22]. - The company is exploring potential acquisitions to strengthen its market position and expand its service offerings[22]. - The company is actively exploring new business areas such as green finance digitization and digital RMB to create new profit growth points[43]. - The company has formed strategic partnerships with major telecom operators, ensuring a solid foundation for its mobile information services business[54]. - The company made a significant equity investment of CNY 65,394,000.00 in Anke Innovation, acquiring 100% ownership[107]. Technology and Innovation - The company aims to leverage artificial intelligence and big data technologies to improve service efficiency and reduce transaction costs[22]. - The company's financial information technology business is driven by the rapid development of new technologies such as AI, blockchain, cloud computing, and big data, leading to increased demand for core system reconstruction and upgrades in the banking sector[49]. - The company has a total of 326 software copyrights and 172 patents, including 16 invention patents, showcasing its technological leadership[78]. Risk Management and Challenges - The management highlighted risks including short-term profitability and operational funding shortages, which may impact future performance[6]. - The company acknowledges risks related to short-term profitability due to high initial investments in new business areas, which may affect overall profitability[140]. - The company plans to strengthen accounts receivable management and improve cash flow to mitigate operational funding shortages[141]. - The company aims to strengthen its internal controls and risk prevention measures to avoid adverse effects from significant exchange rate fluctuations[131]. Corporate Governance and Compliance - The company emphasizes its commitment to corporate social responsibility, ensuring compliance with laws and maintaining transparency with stakeholders[157]. - The company has no significant litigation or arbitration matters during the reporting period[167]. - The company has not engaged in any non-operating fund occupation by controlling shareholders or related parties during the reporting period[161]. - The company has not provided any external guarantees during the reporting period[162]. - The company’s half-year financial report has not been audited[163]. Subsidiary Performance - Beijing Yimei Ruantong Technology Co., Ltd. reported a net profit of -12,702,925.36 with a revenue of 262,085,424.30, indicating a significant loss[137]. - Anke Innovation (Shenzhen) Co., Ltd. achieved a net profit of 15,436,086.92 with a revenue of 185,977,011.13, showing strong performance in the smart home electronics sector[137]. - Shenzhen Yinzhi Technology Co., Ltd. reported a net profit of -7,671,764.22 with a revenue of 4,230,799.04, highlighting challenges in financial equipment software development[137]. - Dongya Qianhai Securities Co., Ltd. faced a net loss of -73,946,370.06 with a revenue of 158,599,962.23, reflecting difficulties in the securities business[137].

Financial Performance - The company's operating revenue for Q1 2022 was ¥247,418,495.70, a decrease of 19.80% compared to ¥308,501,427.76 in the same period last year[6] - The net profit attributable to shareholders was a loss of ¥33,445,991.98, representing a decline of 61.14% from a loss of ¥20,756,103.97 in the previous year[6] - The basic and diluted earnings per share were both -¥0.0473, down 60.88% from -¥0.0294 in the same quarter last year[6] - Operating profit for the current period is -¥33,667,892.42, compared to -¥23,844,138.78 in the previous period, indicating a worsening loss[33] - Net profit for the current period is -¥31,903,433.88, compared to -¥20,339,304.39 in the previous period, reflecting an increase in losses[33] Cash Flow - The net cash flow from operating activities was a negative ¥45,119,725.91, which is a 5.62% increase in outflow compared to the previous year's outflow of ¥42,717,944.97[6] - Cash flow from operating activities is ¥227,086,296.21, down 31.25% from ¥330,808,966.51 in the previous period[38] - The net cash flow from operating activities was -$45.12 million, compared to -$42.72 million in the previous period, indicating a decline in operational cash generation[41] - The total cash and cash equivalents at the end of the period were $284.99 million, down from $358.33 million at the beginning of the period[44] - The company reported a decrease in cash inflow from operating activities, totaling $232.27 million, compared to $342.54 million previously[41] Assets and Liabilities - Total assets at the end of the reporting period were ¥1,548,376,696.10, a decrease of 5.01% from ¥1,630,052,193.95 at the end of the previous year[8] - The company's total liabilities increased to CNY 664,271,568.51 from CNY 647,938,346.39, indicating a rise of about 2%[29] - The company's non-current assets totaled CNY 578,813,255.73, down from CNY 592,812,892.79, a decrease of about 2%[26] - The equity attributable to shareholders decreased by 7.09% to ¥885,857,830.81 from ¥953,439,463.14 at the end of the previous year[8] - The company reported a total of CNY 51,982,854.93 in contract liabilities, down from CNY 54,799,091.25, a decrease of about 5%[26] Investments and Expenditures - Development expenditures increased by 37.30% to ¥53,921,000, primarily due to ongoing investments in R&D projects[9] - The company acquired a 36.33% stake in its subsidiary, Anke Innovation, for CNY 65.394 million, completing the acquisition on March 24, 2022[19] - Other non-current assets increased by 185.43% to ¥171,000, primarily due to the acquisition of long-term software by a subsidiary[9] - Other payables increased by 540.41% to ¥60,094,800, mainly due to unpaid acquisition costs for minority stakes in a subsidiary[9] Other Income and Expenses - The company reported a total of ¥2,500,941.54 in non-recurring gains and losses for the period, with government subsidies contributing ¥1,783,416.28[8] - Other income decreased to ¥2,332,912.27 from ¥3,802,480.29, a decline of 38.67%[33] - Investment losses increased to -¥13,347,357.28 from -¥4,328,773.15, indicating a significant deterioration in investment performance[33] - Tax expenses for the current period are -¥2,394,534.87, down from -¥3,504,757.70 in the previous period[33] - Other comprehensive income after tax for the current period is -¥711,286.09, compared to ¥376,519.96 in the previous period, showing a negative shift[37] Financing Activities - Cash inflow from financing activities amounted to $92.66 million, with cash outflow totaling $119.56 million, leading to a net cash flow of -$26.91 million from financing[44] - The company received $60 million in loans during the financing activities, an increase from $50 million in the previous period[44] - The company incurred $4.59 million in dividend payments and interest during the reporting period[44]

Financial Performance - In 2021, the company experienced a significant decline in revenue due to fluctuations in orders from large banking clients, resulting in a loss of operating profit[6]. - The company's operating revenue for 2021 was ¥1,188,137,635.05, a decrease of 14.55% compared to ¥1,390,460,207.58 in 2020[34]. - The net profit attributable to shareholders in 2021 was -¥282,973,750.96, representing a significant decline of 1,456.65% from a profit of ¥20,858,331.68 in 2020[34]. - The net cash flow from operating activities was ¥18,434,486.88 in 2021, down 87.26% from ¥144,663,486.53 in 2020[34]. - The total assets at the end of 2021 were ¥1,630,052,193.95, a decrease of 22.61% from ¥2,106,152,382.64 at the end of 2020[34]. - The net assets attributable to shareholders decreased by 30.18% to ¥953,439,463.14 in 2021 from ¥1,365,500,811.38 in 2020[34]. - The basic earnings per share for 2021 was -¥0.4004, compared to ¥0.0295 in 2020, reflecting a decline of 1,457.29%[34]. - The company reported a quarterly operating revenue of ¥308,501,427.76 in Q1 2021, with a net profit attributable to shareholders of -¥20,756,103.97[38]. - In Q4 2021, the operating revenue was ¥285,251,425.67, with a net profit attributable to shareholders of -¥233,838,664.01[38]. - The weighted average return on net assets was -23.27% in 2021, down 24.80 percentage points from 1.53% in 2020[34]. Investment and Impairment - The company's strategic investments in credit reporting and securities businesses negatively impacted investment income by CNY 15.0189 million in 2021[6]. - The company recognized an impairment loss of goodwill amounting to CNY 131.987 million for its subsidiary, Yimei Ruantong, due to losses in its mobile information service business[6]. - The company reported a significant decline in investment income of 437.07%, resulting in a loss of ¥14,160,519.40, primarily due to losses from East Asia Qianhai Securities[121]. - The company recorded an asset impairment loss of ¥136,521,375.03, which accounted for 47.75% of total profit[139]. Business Strategy and Development - The core business remains in the financial technology sector, which is a key development area supported by national policy, with no significant adverse changes in core competitiveness[7]. - The company plans to enhance its profitability by expanding its main business areas, including green finance digitalization and digital RMB initiatives[9]. - The company aims to improve operational performance by increasing research and development investment and enhancing its technical competitiveness[11]. - The company will gradually dispose of low-efficiency assets to alleviate operational pressure and improve performance[11]. - The company is actively exploring new markets and potential clients to further enhance its profitability[11]. - The company is focusing on enhancing its research and development capabilities to provide better mobile information platforms and solutions[53]. - The company is currently developing a digital banking cloud service platform to support banks' digital transformation[122]. - The company aims to enhance its competitive edge in the digital RMB application support field through ongoing research and development[125]. Market Outlook and Trends - The software and information technology services industry, where the company operates, is expected to have a broad outlook with no signs of overcapacity or continuous decline[8]. - The financial technology sector is projected to grow at a compound annual growth rate (CAGR) of 18.73%, reaching CNY 1,185.60 billion by 2025[50]. - The rapid development of technologies such as AI, blockchain, and big data is driving demand for digital transformation in the banking sector, creating opportunities for the company's financial information services[66]. - The digital economy development plan aims for significant advancements in data governance and technology capabilities by 2025[50]. - The cross-border e-commerce market is expected to expand due to increased import-export trade and consumer demand for online shopping, driven by the pandemic[80]. Revenue Breakdown - Revenue from the financial information technology business was 118.68 million yuan, a decline of 45.01% year-on-year due to fluctuations in large bank customer orders[94]. - The mobile information services segment generated revenue of 613.60 million yuan, down 17.50% year-on-year, impacted by rising telecom operator costs and industry competition[94]. - The e-commerce services segment reported revenue of 455.86 million yuan, an increase of 5.81% year-on-year, with a focus on home security products[98]. - Domestic revenue fell by 19.06% to ¥783,937,973.26, while international revenue decreased by 4.20% to ¥404,199,661.79[109]. Research and Development - R&D investment amounted to ¥90,295,916.61, representing 7.60% of total revenue, up from 5.91% in 2020[130]. - The number of R&D personnel decreased by 16.64% to 531, with a notable drop in the number of bachelor's degree holders by 18.85%[128]. - The capitalized R&D expenditure was ¥23,134,066.02, accounting for 25.62% of total R&D investment[130]. - The company is working on a new generation image recognition engine based on machine learning, which has completed core engine construction[125]. Regulatory Environment - The implementation of the Personal Information Protection Law in 2021 enhances the regulatory environment for the company's operations in the information service sector[54]. Subsidiaries and Market Position - The company has established a strong market position, covering approximately 45% of the total number of bank outlets in China, with nearly 400 banking clients across 31 provinces[65]. - Yimei Ruantong serves over 800 million mobile users and has maintained a leading position in the mobile information platform sector since its establishment in 2001[73]. - The establishment of Baixing Credit, the first market-oriented credit agency in China with dual licenses for personal and corporate credit, strengthens the company's position in the credit industry[81]. - East Asia Qianhai Securities, co-founded by the company, received its securities business license in December 2017, expanding its financial services capabilities[82].

Financial Performance - The company's operating revenue for Q3 2021 was ¥284,281,102.84, a decrease of 25.62% compared to the same period last year[4] - The net profit attributable to shareholders was -¥11,041,769.31, representing an increase of 23.68% year-on-year, while the net profit after deducting non-recurring gains and losses was -¥13,381,374.12, an increase of 23.14%[4] - Total operating revenue for the current period is ¥902,886,209.38, a decrease of approximately 7.1% compared to ¥971,119,836.78 in the previous period[38] - Net profit for the current period is -¥41,145,094.04, compared to -¥22,500,109.28 in the previous period, indicating a worsening of approximately 83%[41] - The total comprehensive income attributable to the parent company was -48,854,998.04, compared to -24,606,045.59 in the previous period, indicating a decline of approximately 98.5%[45] Assets and Liabilities - The total assets at the end of the reporting period were ¥1,984,728,391.49, a decrease of 5.77% from the end of the previous year[6] - The company's total assets amount to ¥1,984,728,391.49, a decrease from ¥2,106,152,382.64[37] - Total liabilities are reported at ¥660,234,670.40, down from ¥714,827,251.07, representing a reduction of about 7.6%[37] - The total equity attributable to shareholders of the parent company is ¥1,294,564,539.20, down from ¥1,365,500,811.38, a decrease of approximately 5.2%[37] Cash Flow - Cash flow from operating activities showed a net outflow of -¥99,802,376.37, a decrease of 123.74% compared to the same period last year[4] - Cash flow from operating activities generated a net outflow of -99,802,376.37, worsening from -44,606,493.99 in the previous period[49] - Cash inflow from operating activities totaled 956,448,023.32, slightly increasing from 941,590,390.04 in the previous period[49] - Cash outflow from operating activities was 1,056,250,399.69, up from 986,196,884.03 in the previous period, representing an increase of approximately 7.1%[49] - Cash flow from investing activities resulted in a net outflow of -127,496,739.34, compared to a net inflow of 149,428,140.05 in the previous period[49] - Cash flow from financing activities generated a net inflow of 21,376,477.22, contrasting with a net outflow of -166,306,581.84 in the previous period[51] Shareholder Information - The total number of common shareholders at the end of the reporting period is 55,121, with the top 10 shareholders holding a combined 64.82% of shares[20] - Zhang Xuejun holds 18.44% of shares, while He Ye and Chen Xiangjun hold 15.81% and 7.93% respectively[20] Inventory and Receivables - Inventory increased by ¥38,751,100, a growth of 32.59%, primarily due to contract performance costs related to unrecognized technical service income[12] - Accounts receivable decreased from RMB 361.53 million to RMB 340.03 million, a reduction of about 5.95%[30] - Inventory increased from RMB 118.91 million to RMB 157.67 million, representing an increase of approximately 32.5%[30] Investments and Subsidiaries - The company plans to establish a joint venture with China Carbon Neutral Development Group, contributing RMB 5 million for a 50% stake[25] - A wholly-owned subsidiary, Shanghai Shujie Technology Co., Ltd., is to be established with a registered capital of RMB 10 million to focus on digital RMB innovation[26] Research and Development - Research and development expenses for the current period are ¥54,831,507.97, an increase from ¥51,557,500.53, reflecting a growth of approximately 6.5%[41] Other Financial Metrics - The weighted average return on net assets was -0.84%, an increase of 0.25 percentage points compared to the previous year[6] - The basic and diluted earnings per share were both -¥0.0156, a decrease of 73.75% year-on-year[18] - The basic and diluted earnings per share were both -0.0695, compared to -0.0400 in the previous period, reflecting a decrease of 73.8%[45] - The company reported a decrease in investment income of ¥10,317,500, a decline of 252.40%, attributed to losses from its associate, Dongya Qianhai Securities[14] - The company recorded non-recurring gains of ¥2,339,604.81 for the reporting period, with government subsidies contributing significantly to this figure[7] - The company's cash and cash equivalents decreased by ¥266 million, a decline of 47.34%, mainly due to cash management and project R&D expenditures[9] - The company's cash and cash equivalents have decreased, impacting liquidity[41] - The cash and cash equivalents at the end of the period were 245,190,370.54, compared to 208,150,868.16 at the end of the previous period, showing an increase of approximately 17.7%[51] - The company received cash from loans amounting to 281,838,656.24, down from 380,900,000.00 in the previous period, indicating a decrease of about 26%[51] - The company reported a decrease in tax refunds received, totaling 14,956,471.54 compared to 18,314,226.94 in the previous period, a decline of approximately 18.5%[49]

Financial Technology Services - The company reported a significant focus on financial technology services, expanding into personal credit, internet insurance, and financial big data, aiming to build a comprehensive financial ecosystem [6]. - The company has established a comprehensive strategic development layout in the financial technology service sector, focusing on innovation through financial IT, Internet+, big data, and artificial intelligence [47]. - The company is committed to enhancing the efficiency of financial institutions in serving the real economy, driving innovation in financial products, service channels, and profit models [47]. - The company is exploring new business models and service areas to solidify its core operations in financial technology [6]. - The company has a strong market position in the financial information technology sector, serving over 360 banks across 31 provinces in China, covering approximately 45% of the total bank outlets nationwide [69]. - The company's financial information technology business is driven by the rapid development of new technologies such as AI, blockchain, and big data, leading to increased demand for core system upgrades and digital transformation in banks [70]. - The company has established a comprehensive financial ecosystem, extending its main business from financial information technology to digital finance and e-commerce [101]. Financial Performance - The company's operating revenue for the first half of 2021 was ¥618,605,106.54, representing a 5.04% increase compared to the same period last year [36]. - The net profit attributable to shareholders was -¥38,093,317.64, a decrease of 175.94% year-on-year [36]. - The net cash flow from operating activities was -¥97,532,192.58, reflecting a decline of 331.76% compared to the previous year [36]. - The total assets at the end of the reporting period were ¥1,940,877,258.19, down 7.85% from the end of the previous year [36]. - The net assets attributable to shareholders decreased to ¥1,312,816,727.92, a reduction of 3.86% compared to the previous year [36]. - The company reported a basic earnings per share of -¥0.0539, a decrease of 176.41% year-on-year [36]. - The weighted average return on net assets was -2.83%, a decline of 1.81 percentage points compared to the previous year [36]. - Operating profit was -43.04 million yuan, a year-on-year decrease of 232.72% [49]. - Revenue from financial information technology business was 51.56 million yuan, a year-on-year decrease of 25.52% [50]. - Revenue from mobile information services was 328.74 million yuan, a year-on-year decrease of 1.54% [50]. - E-commerce service revenue was 238.31 million yuan, a year-on-year increase of 28.24% [51]. Investment and Funding - The company plans to raise funds through a private placement to adapt to the rapid changes in industry trends and market environments, focusing on digital transformation solutions for banks and the industrialization of smart banking equipment [141]. - The company has committed 10,400 million CNY to entrusted financial management, with an outstanding balance of 10,000 million CNY, and no overdue amounts reported [143]. - The company has temporarily used ¥100,000,000.00 of idle raised funds for cash management during the reporting period [121]. - The total amount of raised funds was ¥344,892,058.34, with ¥11,681,790.00 already invested in projects [123]. - The company has established risk control measures for foreign exchange hedging to mitigate market and credit risks [148]. Operational Challenges - The company faced risks related to short-term profitability due to high initial investments in new business areas, which may impact overall profitability in the near term [6]. - The company is facing operational funding shortages as it expands its new business segments, necessitating improved management of accounts receivable and cash flow [158]. - The company acknowledges the risks associated with its strategic investments and is taking measures to control investment progress and reduce risks [7]. - The company reported a significant decrease in investment income, with a loss of -¥2,572,253.65 compared to a profit of ¥4,270,360.70 in the previous year, marking a decline of 160.24% [108]. Subsidiaries and Market Position - The company is actively integrating its subsidiaries to enhance market competitiveness and maintain stable profitability [12]. - The company’s subsidiary, Yimei Softcom, has established a strong reputation in the mobile information service industry, serving over 700 million mobile users and maintaining a dual AAA credit rating [79]. - The company has established seven direct subsidiaries across China, expanding its service network to cover over 500,000 enterprise clients in more than 30 industries [81]. - The company has a diverse client base, including major firms like Alibaba, Citic Bank, and Huawei, enhancing its competitive advantage in the mobile information service market [79]. Compliance and Governance - The company emphasizes compliance with laws and regulations, ensuring transparency and effective communication with investors [175]. - There were no non-operating fund occupations by controlling shareholders or related parties during the reporting period [179]. - The company reported no violations regarding external guarantees during the reporting period [180]. - The semi-annual financial report has not been audited [181]. - There were no significant litigation or arbitration matters during the reporting period [185]. - The company did not experience any penalties or rectification situations during the reporting period [186].

Financial Performance - The company's operating revenue for Q1 2021 was ¥308,501,427.76, representing a 20.39% increase compared to ¥256,253,083.08 in the same period last year[8]. - The net profit attributable to shareholders was -¥20,756,103.97, a decrease of 35.92% from -¥15,271,142.68 year-on-year[8]. - The net cash flow from operating activities was -¥42,717,944.97, which is a 31.97% decline compared to -¥32,368,601.42 in the previous year[8]. - The basic earnings per share were -¥0.0294, a decrease of 36.11% from -¥0.0216 in the same period last year[8]. - The diluted earnings per share were also -¥0.0294, reflecting the same percentage decrease of 36.11%[8]. - The weighted average return on net assets was -1.53%, a decline of 0.40 percentage points from -1.13% year-on-year[8]. - The net profit for Q1 2021 was -12,409,967.58 CNY, compared to -16,034,963.19 CNY in the same period last year, showing an improvement of approximately 22.5%[96]. - The total comprehensive income for the period was -12,033,447.62 CNY, compared to -10,033,108.81 CNY in the previous year, indicating a decline of approximately 19.9%[100]. Assets and Liabilities - The total assets at the end of the reporting period were ¥2,007,463,880.78, down 4.69% from ¥2,106,152,382.64 at the end of the previous year[8]. - The total liabilities decreased from ¥714,827,251.07 to ¥636,101,533.64, a decrease of approximately 11.0%[72]. - The company's total equity decreased from ¥1,391,325,131.57 to ¥1,371,362,347.14, a decline of about 1.4%[75]. - The company's cash and cash equivalents decreased significantly from ¥444,052,265.28 to ¥211,052,353.23, a drop of about 52.5%[76]. - The company's total current assets as of March 31, 2021, were 1,174.45 million yuan, down from 1,275.70 million yuan at the end of 2020[66]. - The accounts receivable decreased slightly to 354.08 million yuan from 361.53 million yuan year-over-year[66]. - The total amount of trade payables decreased by 15.21 million yuan, a decline of 32.53%, due to the settlement of bank acceptance bills[22]. Cash Flow - Cash flow from operating activities resulted in a net outflow of -42,717,944.97 CNY, worsening from -32,368,601.42 CNY in the prior year[105]. - The company reported a cash balance of 269,953,336.34 CNY at the end of the period, down from 359,509,831.00 CNY at the end of the previous year, a decrease of about 25%[107]. - Cash inflow from financing activities totaled 122,307,309.31 CNY, down from 152,019,597.32 CNY in the previous year, a decrease of about 19.6%[107]. - The net cash flow from investment activities was -110,479,339.41 CNY, a decrease compared to the previous period's net cash flow of 98,614,357.94 CNY[110]. Expenses - The total operating costs amounted to ¥328,636,051.06, up from ¥265,236,312.09, reflecting a significant increase in operational expenses[87]. - The company incurred a total operating expense of 385,261,705.91 CNY, compared to 301,101,234.10 CNY in the same period last year, reflecting an increase of approximately 28%[105]. - Research and development expenses increased by 6.54 million yuan, a growth of 42.43%, driven by investments in financial blockchain and smart locker projects[22]. - The company reported a loss from investments of ¥4,328,773.15, which is worse than the loss of ¥3,168,191.68 in the previous period, indicating challenges in investment performance[87]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 61,313, with the top ten shareholders holding significant stakes[13]. - The company's top five suppliers accounted for 46.72% of total procurement, a decrease of 1.19 percentage points year-on-year[31]. - The total sales amount from the top five customers is ¥80,275,956.39, accounting for 26.02% of the total sales during the reporting period, an increase of 6.56 percentage points compared to the same period last year[36][37]. Strategic Initiatives - The company plans to leverage opportunities in the financial technology sector, focusing on product and technology innovation to enhance core competitiveness[29]. - The company is actively seeking external development opportunities in the fintech sector to accelerate growth and enhance its business model[38]. - The company is investing in new business areas such as personal credit, internet insurance, and financial big data, which may require high initial investments and could impact short-term profitability[41]. - The company has implemented measures to manage risks related to short-term profitability and operational funding shortages, including improving accounts receivable management and utilizing financing platforms[39][42]. Governance and Compliance - The company is focusing on enhancing its governance structure and internal controls to ensure orderly operations and improve management efficiency[38]. - The company has disclosed that there are no issues in the use and disclosure of raised funds during the reporting period[59]. - The first quarter report was not audited[115]. - The company executed the revised accounting standards for leases starting January 1, 2021, but chose not to recognize right-of-use assets and lease liabilities[114].

Financial Performance - The company's operating revenue for 2020 was ¥1,390,460,207.58, representing a 17.74% increase compared to ¥1,181,006,553.61 in 2019[31]. - The net profit attributable to shareholders for 2020 was ¥20,858,331.68, a significant increase of 324.13% from ¥4,917,894.10 in 2019[31]. - The net cash flow from operating activities improved to ¥144,663,486.53 in 2020, a 370.78% increase from -¥53,425,673.79 in 2019[31]. - The basic earnings per share for 2020 was ¥0.0295, up 321.43% from ¥0.0070 in 2019[31]. - The company's total operating revenue for 2020 was RMB 1,390.46 million, representing a year-on-year increase of 17.74% from RMB 1,181.01 million in 2019[109]. - The revenue from the e-commerce segment was RMB 430.85 million, accounting for 30.99% of total revenue, with a year-on-year growth of 14.60%[109]. - Operating profit reached 30.25 million yuan, a significant increase of 520.24% year-on-year[92]. - Revenue from the financial information technology segment was 215.83 million yuan, up 25.45% year-on-year[93]. - The mobile information services segment generated revenue of 743.79 million yuan, representing a growth of 17.50% year-on-year[93]. - Anke Innovation's revenue from e-commerce platforms in 2020 was RMB 236.00 million, accounting for 16.69% of total revenue, with Amazon contributing RMB 232.00 million[104]. Business Strategy and Focus - The company is focusing on expanding its business in financial technology, mobile information services, and e-commerce, with strategic investments in personal credit, internet insurance, and financial big data[6]. - The company aims to enhance the performance of its mature business segments while managing the progress of new business developments to mitigate investment risks[7]. - The company is actively exploring new business opportunities in the financial technology sector, driven by the rapid development of mobile internet and big data[179]. - The company has adjusted its strategic focus towards comprehensive financial technology services, aiming to capitalize on the opportunities presented by the Guangdong-Hong Kong-Macao Greater Bay Area initiative[183]. - The company plans to actively seek external development opportunities through investments or mergers and acquisitions, leveraging capital market platforms[190]. Risk Management - The company acknowledges risks related to short-term profitability due to high initial investments in new business areas, which may affect overall profitability in the short term[6]. - The company faces short-term profitability risks due to high initial investments in new business areas such as personal credit, internet insurance, and financial big data[190]. - The company is committed to conducting annual goodwill impairment tests to minimize the impact of potential goodwill impairment on future performance[12]. - The company will strengthen accounts receivable management and improve cash flow to mitigate operational funding shortages as new business segments expand[194]. - The company emphasizes the importance of talent acquisition and management efficiency to navigate the complexities of its growing organizational structure and operational risks[11]. Investment and Funding - The company plans to distribute a cash dividend of RMB 0.1 per 10 shares (before tax) to all shareholders, based on a total share capital of 706,640,535 shares[12]. - The company is leveraging its listing platform and other financing channels to secure operational development funds and reduce the risk of funding shortages[8]. - The company planned to raise up to 1,352.98 million yuan through a private placement for various projects, but later decided to terminate this plan[100][103]. - The company has utilized 8,300 million CNY of raised funds to permanently supplement working capital[155]. - The company plans to allocate 270.19 million yuan of unused raised funds to projects including bank digital transformation solutions, smart device industrialization, and R&D center construction[169]. Technological Development - The company is focused on enhancing its technological capabilities, including developments in artificial intelligence and big data applications[23]. - The company has established a comprehensive financial technology service ecosystem, providing services to over 360 banks across 31 provinces in China[54]. - The company aims to leverage its strengths in technology, customer resources, and industry experience to enhance its core competitiveness and achieve rapid growth in operating performance[183]. - The company has obtained 254 software copyrights and 127 patent authorizations, including 12 invention patents[82]. Market Trends and Opportunities - The company’s financial information services business is driven by the increasing demand for digital transformation in the banking sector, with a projected market growth rate of 24.5% annually until 2024[53]. - The total market size for IT solutions in the Chinese banking industry was approximately CNY 425.8 billion in 2019, reflecting a year-on-year growth of 23.9%[53]. - The mobile information service sector is expected to grow, driven by the increasing demand for SMS in e-commerce and third-party payment sectors, with a market capacity that is steadily increasing[63]. - The cross-border e-commerce market in China is expected to reach CNY 280 billion in 2020, continuing its rapid growth[71]. Operational Efficiency - The company is actively managing accounts receivable and optimizing cash flow to address the risk of operational funding shortages as it expands its business scale[8]. - The company has implemented measures to control costs and stabilize operations amid the global pandemic, successfully meeting its 2020 performance targets[185]. - The company aims to optimize its governance structure and internal controls to enhance operational management efficiency and promote sustainable development[190].