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].

Financial Performance - Operating revenue for the reporting period was CNY 382,178,276.98, representing a year-on-year increase of 25.73%[7] - Net profit attributable to shareholders was a loss of CNY 14,468,282.37, a decline of 160.86% compared to the same period last year[7] - Basic earnings per share were CNY -0.0205, reflecting a decrease of 161.01% compared to the same period last year[7] - The total operating revenue for the current period reached ¥382,178,276.98, a significant increase from ¥303,971,581.25 in the previous period, representing a growth of approximately 25.8%[61] - The net profit for the current period was -9,914,955.42 CNY, compared to a net profit of 26,478,013.98 CNY in the previous period, reflecting a significant decline[66] - The total comprehensive income for the current period was -10,510,574.67 CNY, compared to 25,355,760.09 CNY in the previous period, showing a substantial decrease[70] - Net profit for the current period was ¥-22,500,109.28, compared to a profit of ¥1,188,117.37 in the previous period, reflecting a significant decline[81] - Basic earnings per share for the current period was ¥-0.0400, down from ¥0.0016 in the previous period[85] Cash Flow - The net cash flow from operating activities was a negative CNY 22,016,972.88, a significant decrease of 1,116.79% year-on-year[7] - Operating cash inflow increased by CNY 20.87 million, a growth of 2.27%, mainly due to increased sales receipts from subsidiaries[29] - Cash flow from operating activities shows a net outflow of -44,606,493.99, an improvement from -144,623,932.46 in the previous period[95] - Cash inflow from investment activities is 149,428,140.05, significantly higher than 8,276,420.98 in the previous period[98] - Cash flow from financing activities shows a net outflow of -166,306,581.84, compared to -1,585,613.98 in the previous period[98] Assets and Liabilities - Total assets at the end of the reporting period were CNY 2,029,631,810.15, a decrease of 3.12% compared to the end of the previous year[7] - The total liabilities decreased to ¥362,319,132.01 from ¥386,699,775.16, indicating a reduction of about 6.5%[61] - The total assets amounted to ¥1,579,549,412.92, down from ¥1,611,879,025.73, reflecting a decrease of approximately 2.0%[61] - The total equity attributable to shareholders decreased to ¥1,217,230,280.91 from ¥1,225,179,250.57, a decline of about 0.5%[61] - The company's trading financial assets decreased by RMB 60 million, a decline of 100%, due to the redemption of floating-rate bank wealth management products during the reporting period[22] - The company's accounts payable increased by RMB 46.19 million, a growth of 78.95%, due to increased procurement costs from subsidiaries[23] Income and Expenses - The total operating costs amounted to 393,345,506.12 CNY, up from 284,173,730.17 CNY, indicating an increase of about 38.4%[63] - The company's research and development expenses were 15,107,810.42 CNY, down from 16,992,207.60 CNY, showing a decrease of approximately 11.1%[63] - The financial expenses for the current period were 3,598,154.01 CNY, an increase from 2,766,109.43 CNY, which is an increase of about 30.0%[63] - The company's sales expenses increased to 52,098,777.95 CNY from 44,559,047.17 CNY, reflecting a rise of approximately 12.3%[63] Other Income and Adjustments - The company reported non-operating income of CNY 7,983,409.61 for the reporting period[10] - The company received government subsidies amounting to CNY 5,542,847.86 during the reporting period[10] - Other income increased by RMB 2.66 million, a growth of 41.59%, due to tax rebates and increased revenue from subsidiaries[24] - The company's income tax expense decreased by RMB 4.22 million, a decline of 496.57%, due to losses leading to increased deferred tax assets[28] - The company has not made any adjustments or restatements to previous accounting data[7] Shareholder Information - The top shareholder, Zhang Xuejun, holds 18.98% of the shares, with a total of 134,126,800 shares[11]

Fundraising and Investments - The company plans to raise a total of up to 1,352.975 million RMB through a private placement of A-shares, which will be used for projects including "bank digital transformation solutions" and "bank smart device industrialization" [8] - The company has received approval from its board for the fundraising plan, which is pending review by the Shenzhen Stock Exchange and registration by the China Securities Regulatory Commission [8] - The company plans to raise up to CNY 1.35 billion through a private placement to fund projects including bank digital transformation solutions and smart device industrialization [167] - The total amount of funds raised was ¥344,892,058.34, with ¥9,244.66 million already invested in projects [131] - The company has temporarily used ¥80,000,000.00 of the raised funds for cash management [135] - The net amount of raised funds at the end of the reporting period was ¥34,489.21 million, with ¥19,172.71 million remaining unutilized [133] - The company plans to redirect unutilized funds towards projects related to digital transformation and smart equipment [132] - The total amount of funds raised for the digital transformation project is 17,597.48 million CNY, with an actual investment of 84.93 million CNY, representing a progress of 0.48% [144] - The total amount of funds raised for the bank's intelligent equipment industrialization project is 7,422 million CNY, with no actual investment made [144] Financial Performance - The company's operating revenue for the reporting period was RMB 588,941,559.80, representing a 9.10% increase compared to RMB 539,796,493.99 in the same period last year [34] - The net profit attributable to shareholders of the listed company was a loss of RMB 13,805,065.26, an improvement of 38.98% from a loss of RMB 22,623,049.65 in the previous year [34] - The net cash flow from operating activities was a negative RMB 22,589,521.11, showing an 84.61% improvement from a negative RMB 146,789,281.46 in the same period last year [34] - The basic earnings per share were -0.0195 RMB/share, a 39.06% improvement from -0.0320 RMB/share in the previous year [34] - The company reported a significant loss in its subsidiary Beijing Huadaozheng Credit Co., Ltd., with a net loss of CNY 6.39 million [158] - Total revenue for the company was approximately CNY 333.89 million, with a net loss of CNY 381.67 million [158] Business Operations and Strategy - The company aims to strengthen accounts receivable management and improve cash flow to mitigate operational funding shortages as business scales expand [6] - The company emphasizes the importance of managing operational risks as its business expands, requiring higher management capabilities and talent retention [7] - The company is actively working to ensure the efficiency of raised funds and aims to achieve expected project returns to enhance operational performance [9] - The company has made strategic investments in emerging business areas to build a comprehensive financial ecosystem based on financial technology [4] - The company continues to focus on financial technology and digital financial solutions to enhance service efficiency and reduce transaction costs [34] - The company has established a comprehensive financial technology service ecosystem, including personal credit and internet insurance services [44] - The company is focusing on expanding into new business areas such as personal credit, internet insurance, and financial big data, which may affect short-term profitability due to high initial investments [162] Market and Industry Trends - The financial information technology sector is experiencing stable growth, driven by the demand for digital transformation in banks due to advancements in AI, big data, and cloud computing [52] - The mobile information service industry in China saw a 37.5% increase in SMS business volume in 2019, with a revenue of 39.2 billion yuan, remaining stable compared to the previous year [63] - The demand for enterprise SMS services is expected to continue growing as applications in e-commerce, third-party payments, and logistics expand [60] Risk Management - The company emphasizes maintaining strong relationships with financial institutions, ensuring stable demand for its software and hardware products [50] - The company has implemented risk control measures for foreign exchange hedging, including selecting low-risk products and closely monitoring market trends [151] - The company has established a management system for foreign exchange hedging to control transaction risks and ensure compliance with legal regulations [151] Research and Development - Research and development expenses increased by 42.04% to ¥36,449,690.11 from ¥25,661,321.02, reflecting a significant investment in R&D [109] - The company holds 241 software copyrights and 97 patents, including 10 invention patents, showcasing its technological leadership in the financial information sector [80] Corporate Governance and Compliance - The company held two shareholder meetings during the reporting period, with participation rates of 52.92% and 52.76% respectively [172] - The semi-annual financial report was not audited [174] - There were no major litigation or arbitration matters during the reporting period [178] - The company did not experience any penalties or rectification situations during the reporting period [179] - The company did not engage in any related party transactions during the reporting period [183]

Financial Performance - Total revenue for Q1 2020 was ¥256,253,083.08, representing a slight increase of 0.46% compared to ¥255,091,348.19 in the same period last year[8]. - Net profit attributable to shareholders was -¥15,271,142.68, an improvement of 41.31% from -¥26,021,350.11 year-on-year[8]. - Basic and diluted earnings per share were both -¥0.0216, showing a 41.30% improvement from -¥0.0368 in the same period last year[8]. - The net loss for the current period was CNY 15,969,107.91, an improvement compared to a net loss of CNY 28,723,231.40 in the previous period, showing a reduction of about 44.4%[94]. - The company reported a total comprehensive loss of CNY 9,967,253.53, compared to a loss of CNY 20,196,651.91 in the previous period, indicating a reduction of about 50.7%[97]. - The net profit for the period was -16,034,963.19, compared to -24,117,037.34 in the previous period, showing an improvement of approximately 33.5%[101]. Cash Flow - The net cash flow from operating activities improved significantly, reaching -¥32,368,601.42, a 64.57% increase compared to -¥91,367,209.62 in the previous year[8]. - Cash flow from operating activities was -32,368,601.42, an improvement from -91,367,209.62 in the previous period, reflecting a significant recovery in cash flow[108]. - Cash inflow from operating activities totaled 268,732,632.68, slightly down from 272,121,276.17 in the previous period, a decrease of about 1.4%[105]. - Cash outflow from operating activities was 301,101,234.10, down from 363,488,485.79 in the previous period, a decrease of approximately 17.2%[108]. - The company reported a total of ¥79,192,549.10 in cash inflows from operating activities, a notable increase from ¥24,497,860.34 in the previous period[112]. - The ending balance of cash and cash equivalents was 359,509,831.00, down from 503,255,690.57 in the previous period, a decrease of approximately 28.5%[111]. Assets and Liabilities - Total assets increased by 3.34% to ¥2,164,962,143.64 from ¥2,094,901,033.45 at the end of the previous year[8]. - Current liabilities rose to CNY 792,406,374.99, compared to CNY 712,201,293.88, indicating an increase of approximately 11.3%[78]. - Total liabilities reached CNY 800,211,240.98, up from CNY 720,432,877.26, marking a growth of around 11.1%[78]. - Owner's equity totaled CNY 1,364,750,902.66, a slight decrease from CNY 1,374,468,156.19, reflecting a decline of about 0.8%[81]. - The company’s total assets amounted to CNY 1,693,382,720.19, an increase from CNY 1,611,879,025.73, representing a growth of approximately 5.1%[88]. Investments and Expenses - Research and development expenses rose by 6.55 million yuan, an increase of 61.97%, attributed to the inclusion of a subsidiary in the consolidated financial statements and increased R&D personnel[26]. - Investment income increased by 22.86 million yuan, a growth of 87.83%, due to a change in accounting treatment for an investment in a property insurance company[26]. - Total operating costs increased to CNY 265,236,312.09 from CNY 258,836,354.55, reflecting a rise of about 2.3%[91]. - Research and development expenses rose significantly to CNY 17,133,124.56, up from CNY 10,578,193.69, indicating a growth of approximately 62.1%[91]. Shareholder Information - The top ten shareholders collectively hold significant stakes, with the largest shareholder owning 18.98% of the company[13]. - The company did not engage in any repurchase transactions during the reporting period[16]. - The company plans to raise up to ¥1,352.98 million through a private placement of shares, which will be used for projects including "bank digital transformation solutions" and "bank smart device industrialization" among others[41]. - The company acknowledges potential risks associated with the private placement of shares, including regulatory approval uncertainties[52]. Business Strategy and Market Position - The company plans to enhance its core competitiveness through product and technology innovation in the financial technology sector[35]. - The company aims to build a comprehensive financial ecosystem by expanding into personal credit and internet insurance services[35]. - The company is focusing on developing innovative business models in financial technology, including personal credit, internet insurance, and financial big data services[42]. - The company is actively managing risks related to short-term profitability and operational funding shortages due to the expansion of new business segments[46][48]. - The company has implemented measures to control costs and stabilize operations amid the global impact of the COVID-19 pandemic[41][53]. Supplier and Customer Information - The top five suppliers accounted for 47.92% of the total procurement amount, with the largest supplier contributing 18.31%[37]. - The total sales amount for the top five customers reached ¥49,864,269.84, accounting for 19.46% of the total sales during the reporting period, an increase of 4.80 percentage points year-on-year[40]. - The procurement amount from the top five suppliers accounted for 47.91% of the total procurement, an increase of 3.68 percentage points compared to the same period last year[40]. - The company has not relied on any single supplier or customer, with no single supplier or customer accounting for more than 30% of total procurement or sales, respectively[40].

Financial Performance - The company's operating revenue for 2019 was CNY 1,181,006,553.61, a decrease of 9.10% compared to 2018[29]. - The net profit attributable to shareholders for 2019 was CNY 4,917,894.10, down 86.24% from the previous year[29]. - The net cash flow from operating activities was negative CNY 53,425,673.79, a decline of 154.97% compared to 2018[29]. - The basic earnings per share for 2019 was CNY 0.0070, representing an 86.17% decrease from 2018[29]. - The total operating revenue for the company in 2019 was ¥1,181,006,553.61, representing a decrease of 9.10% compared to ¥1,299,251,173.43 in 2018[105]. - The revenue from the financial information technology segment was CNY 172.04 million, a significant drop of 43.78% year-on-year due to fluctuations in major client purchases[88]. - The mobile information services segment generated revenue of CNY 633.00 million, representing a growth of 3.31% year-on-year[89]. - The internet insurance subsidiary, Yi'an Insurance, achieved premium income of CNY 1.04 billion, down 18.82% year-on-year, with a net loss of CNY 114.79 million[93]. - The company reported a significant decline in net profit for 2019 due to adjustments in insurance liability reserves by its invested internet insurance company, Yi'an Insurance[167]. Investment and Funding - The company plans to raise 1.353 billion RMB through a private placement of shares for projects including bank digital transformation solutions and R&D center[8]. - The company invested RMB 39,150,000 in Dongya Qianhai Securities, holding a 26.10% stake after the investment[71]. - The company invested CNY 5.50 million to increase its stake in Beijing Jiezhi Rong Software Co., Ltd., which now operates as a subsidiary[95]. - The company has temporarily used RMB 162 million of idle raised funds for cash management purposes[147]. - The company has not changed the purpose of the raised funds, maintaining a 0% change ratio[146]. - The total amount of raised funds and interest remaining unused is RMB 270.19 million[147]. Business Expansion and Strategy - The company has expanded its business into personal credit, internet insurance, securities, and financial big data, establishing a comprehensive financial ecosystem[5]. - The company aims to establish a comprehensive financial ecosystem by developing personal credit services and participating in the establishment of financial service institutions like internet insurance and securities[165]. - The company is actively integrating its business resources to develop the financial technology innovation market, focusing on personal credit and data services[168]. - The company has made significant investments in financial technology, expanding its business through acquisitions and external investments[162]. - The company’s main business has shifted from financial information technology to comprehensive financial services, leveraging opportunities in emerging industries like internet finance and big data[162]. Operational Challenges - The company anticipates short-term profitability risks due to high initial investments in new businesses like personal credit services and data services[5]. - The company has faced delays in project deliveries and increased costs due to the COVID-19 pandemic, but the overall impact on performance is expected to be limited[9]. - The impact of the COVID-19 pandemic has led to delayed project deliveries and increased costs, but the overall effect on the company's performance is limited[179]. - The company faces risks related to short-term profitability and operational funding shortages as it expands its new business segments[173][174]. Cash Management and Dividends - The company will not distribute cash dividends or bonus shares for the year[10]. - The company’s board of directors decided against cash dividends for 2019 to ensure sustainable development and risk resilience[188]. - The company has not distributed any cash dividends in 2019, with retained earnings being carried forward for future operational needs[194]. - The cash dividend for the fiscal year 2018 was 0.2 RMB per share, totaling 14,132,810.70 RMB distributed to shareholders[190]. - The company’s profit distribution policy aligns with its Articles of Association, focusing on sustainable growth and shareholder value[194]. Research and Development - The company holds 224 software copyrights and 84 patents, including 9 invention patents, showcasing its technological leadership[78]. - The company’s research and development expenditures increased by RMB 5,707,405.88, a growth of 80.93%, reflecting increased investment in product development[77]. - R&D investment amounted to ¥81,340,235.97, which is 6.89% of the operating revenue[122]. - The number of R&D personnel increased to 532, accounting for 56.96% of the total workforce[122]. Market Position and Customer Base - The company has established a strong market position, serving over 360 banks across 31 provinces, covering approximately 45% of the total bank outlets in China[51]. - The company has a customer base exceeding 500,000 enterprises across over 200 cities in China, covering more than 30 industries, showcasing its extensive market reach[62]. - Yimei Ruantong's mobile information services business remains stable, providing multi-dimensional services such as mobile marketing and customer management, with a strong market recognition for its products[54]. - Yimei Ruantong's competitive advantage lies in its stable service quality and extensive customer base, which supports its growth in the mobile information service sector[58].

Financial Performance - Total revenue for Q1 2020 was ¥256,253,083.08, representing a 0.46% increase compared to ¥255,091,348.19 in the same period last year[9]. - Net profit attributable to shareholders was -¥15,271,142.68, an improvement of 41.31% from -¥26,021,350.11 year-on-year[9]. - Basic earnings per share were -¥0.0216, a 41.30% increase from -¥0.0368 in the same period last year[9]. - The company reported a total operating revenue of 256.25 million yuan, representing a year-on-year increase of 0.46%[32]. - The net profit attributable to shareholders was -15.27 million yuan, a year-on-year improvement of 41.31%[32]. - The net loss for the quarter was CNY 15,969,107.91, an improvement from a net loss of CNY 28,723,231.40 in the same period last year[95]. - The net loss for the current period was ¥16,034,963.19, compared to a net loss of ¥24,117,037.34 in the previous period, showing an improvement of 33.5%[102]. - The total comprehensive income for the current period was -¥9,269,288.30, an improvement from -¥17,494,770.62 in the previous period[98]. Cash Flow and Liquidity - Net cash flow from operating activities was -¥32,368,601.42, showing a 64.57% improvement compared to -¥91,367,209.62 in the previous year[9]. - Cash inflows from operating activities totaled ¥268,732,632.68, slightly down from ¥272,121,276.17 in the previous period[106]. - The total cash and cash equivalents at the end of the period amounted to 359,509,831.00, down from 503,255,690.57 in the previous period[112]. - The net cash flow from financing activities was 23,842,385.11, down from 53,037,916.36 in the previous period, reflecting a decrease in financing activities[112]. - The net increase in cash and cash equivalents for the period was 88,845,691.59, down from 125,856,228.68 in the previous period, reflecting overall cash management challenges[112]. Assets and Liabilities - Total assets at the end of the reporting period were ¥2,164,962,143.64, up 3.34% from ¥2,094,901,033.45 at the end of the previous year[9]. - Total liabilities increased to ¥800,211,240.98 from ¥720,432,877.26, marking an increase of approximately 11.06%[79]. - The company's total equity as of March 31, 2020, was ¥1,364,750,902.66, down from ¥1,374,468,156.19, reflecting a decrease of approximately 0.79%[82]. - The total assets increased to CNY 1,693,382,720.19 from CNY 1,611,879,025.73, showing a growth of about 5.0%[89]. - Total liabilities rose to CNY 478,236,578.43 from CNY 386,699,775.16, indicating an increase of approximately 23.6%[89]. Research and Development - Research and development expenses rose by 6.55 million yuan, an increase of 61.97% year-on-year, due to higher personnel and investment in R&D[27]. - The company is focusing on expanding its R&D capabilities, as indicated by the substantial increase in R&D expenses, which may lead to new product developments in the future[92]. - Research and development expenses increased to ¥10,063,109.04, representing a 93.5% increase from ¥5,212,121.94 in the previous period[99]. Shareholder Information - The top ten shareholders held a total of 51,700 shares, with Zhang Xuejun holding 18.98% of the shares[14]. - The company’s basic and diluted earnings per share increased by 0.0152 yuan, a growth of 41.30% year-on-year, due to reduced losses compared to the previous year[31]. Government Support and Subsidies - The company received government subsidies amounting to ¥2,899,525.93 during the reporting period[9]. Business Strategy and Future Plans - The company plans to enhance its core competitiveness through product and technology innovation in the financial technology sector[35]. - The company aims to develop personal credit-related financial services and establish financial service institutions like securities and internet insurance[35]. - The company plans to raise up to ¥1,352.975 million through a private placement of shares, which will be used for projects including bank digital transformation solutions and research and development center[42]. - The company is focusing on developing innovative business models in financial technology, including personal credit reporting and data services[46]. Operational Challenges - The company has faced challenges due to the COVID-19 pandemic, including delayed project deliveries and increased costs, but the overall impact is considered limited[54]. - The company has implemented measures to control costs and stabilize operations amid the impact of the COVID-19 pandemic[54]. - The company is actively managing risks related to short-term profitability and operational funding shortages due to the expansion of new business segments[49]. - The company is focused on enhancing its internal control systems and management capabilities to mitigate operational risks as it expands its business[50].

Financial Performance - Operating revenue for the reporting period was CNY 303,971,581.25, down 11.56% year-on-year[9] - Net profit attributable to shareholders was CNY 23,773,977.75, an increase of 909.32% compared to the same period last year[9] - Net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 15,564,036.08, an increase of 618.16% year-on-year[9] - Basic earnings per share for the reporting period were CNY 0.0336, an increase of 918.18% compared to the same period last year[9] - The weighted average return on net assets was 1.77%, an increase of 1.59 percentage points compared to the previous year[9] - Basic and diluted earnings per share decreased by CNY 0.0035, a decline of 68.63%, due to reduced net profit[30] - The total comprehensive income for the current period was ¥25,355,760.09, compared to ¥307,019.32 in the previous period[68] - The net profit for the year-to-date period is ¥1,188,117.37, a decrease of 72.9% from ¥4,383,535.67 in the previous year[80] - The net profit for the current period is a loss of ¥2,557,003.61, an improvement from a loss of ¥5,399,779.25 in the previous period[74] Assets and Liabilities - Total assets at the end of the reporting period were CNY 2,099,820,843.22, a decrease of 2.54% compared to the end of the previous year[9] - Total current assets as of September 30, 2019, amounted to CNY 1,268,171,210.13, a decrease from CNY 1,309,213,372.73 at the end of the previous period[44] - Total liabilities decreased to CNY 731,953,054.60 from CNY 788,659,589.85, a reduction of about 7.2%[47] - The company's total equity increased slightly to CNY 1,367,867,788.62 from CNY 1,365,894,415.71, a marginal increase of about 0.1%[50] - The company's total assets decreased to ¥1,591,370,956.46 from ¥1,703,384,957.25, a decline of approximately 6.6%[60] - Total liabilities amounted to CNY 788,659,589.85, with current liabilities at CNY 610,947,555.40 and non-current liabilities at CNY 177,712,034.45[116] - The total equity of the company reached CNY 1,365,894,415.71, including CNY 706,640,535.00 in share capital and CNY 375,979,751.21 in capital reserves[116] Cash Flow - The company reported a net cash flow from operating activities of CNY -144,623,932.46, a decrease of 15.05% year-on-year[9] - Cash and cash equivalents decreased by CNY 148.74 million, a decline of 38.16%, primarily due to the repayment of bank acceptance bills and seasonal cash flow characteristics[24] - Cash flow from operating activities shows a net outflow of -¥144,623,932.46, worsening from -¥125,701,684.43 in the previous period[93] - The net cash flow from operating activities was -131,226,319.13, compared to -154,473,883.66 in the previous period, showing an improvement[102] - Cash inflow from investment activities totaled 449,919,885.86, slightly up from 442,384,290.39 in the previous period[102] - The net cash flow from investment activities was 78,420,131.74, down from 172,908,323.06 in the previous period[102] - Cash outflow from financing activities amounted to 312,661,039.77, compared to 244,657,130.51 in the previous period[105] - The ending balance of cash and cash equivalents was 170,532,265.01, down from 265,452,809.70 in the previous period[105] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 58,737[13] - The top ten shareholders held a total of 134,126,800 shares, representing 18.98% of the total shares[14] - The company did not conduct any repurchase transactions during the reporting period[17] - The company did not implement a cash dividend plan for Q3 2019[36] Research and Development - R&D expenses increased by CNY 15.06 million, a growth of 54.58%, due to increased personnel and investment in R&D[26] - Research and development expenses increased to ¥16,992,207.60, up 67.5% from ¥10,143,607.29 in the previous period[61] - Research and development expenses increased to ¥19,587,722.67 from ¥14,584,947.91, reflecting a growth of 34.5%[88] Other Financial Metrics - Investment income increased by CNY 39.23 million, a growth of 85.70%, driven by improved performance of invested companies[29] - The company reported an investment income of ¥12,948,853.14, a recovery from a loss of ¥9,132,248.15 in the previous period[64] - The company's investment income shows a loss of -¥10,244,358.55, an improvement from -¥39,544,113.59 in the previous period[88] - The company received tax refunds of 356,294.76, an increase from 274,082.37 in the previous period[102] Inventory and Receivables - Accounts receivable increased to CNY 446,915,526.47 from CNY 387,092,859.87, reflecting a growth of approximately 15.4%[41] - Prepayments rose significantly to CNY 203,821,432.86, up from CNY 121,317,967.75, indicating an increase of about 68.1%[41] - The company reported a decrease in inventory to CNY 113,494,651.42 from CNY 127,534,000.88, a decline of approximately 11.0%[41] - The company reported a total of CNY 30,221,099.60 in inventory, which is crucial for operational efficiency[119]

证券代码：300085 证券简称：银之杰 公告编号：2019-044 深圳市银之杰科技股份有限公司 关于参加2019年深圳上市公司投资者网上集体接待日活动 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。 为进一步加强与投资者的互动交流工作，深圳市银之杰科技股份有限公司（以 下简称"公司"）将参加由深圳上市公司协会、深圳市全景网络有限公司共同举办 的"改革创新发展 沟通互信共赢"——深圳辖区上市公司 2019 年度投资者网上集 体接待日主题活动，现将有关事项公告如下： 本次集体接待日活动将在深圳市全景网络有限公司提供的网上平台，采取网络 远程的方式举行。投资者可以登录"全景•路演天下"网站（http://rs.p5w.net/） 或关注微信公众号：全景财经，参与公司本次投资者集体接待日活动，活动时间为 2019 年 9 月 3 日 14:00 至 18:00。届时公司董事会秘书、财务总监刘奕先生将通过 网络文字交流形式与投资者进行沟通。 欢迎广大投资者积极参与。 特此公告。 深圳市银之杰科技股份有限公司董事会 二〇一九年八月二十八日 ...

Business Expansion and Strategy - The company reported a significant expansion in its core business of financial technology services, focusing on personal credit, internet insurance, and financial big data, with new strategic layouts in these areas [7]. - The company has established joint ventures such as Huada Credit and launched businesses like Yian Insurance and Dongya Qianhai Securities, with Huada Credit receiving operational approval in February 2018 [7]. - The company emphasizes the importance of integrating talent, technology, and resources to accelerate the development of new businesses [8]. - The company has diversified its business into various fields, including financial information technology, digital financial solutions, and e-commerce, to support long-term growth [12]. - The company has established a comprehensive risk management framework to address potential challenges arising from its expanding business operations [13]. - The company is expanding into new business areas, including financial information, digital financial solutions, and internet insurance, which may lead to short-term profitability risks due to high initial investments [139]. Financial Performance - Total revenue for the reporting period was ¥539,796,493.99, a decrease of 15.30% compared to the same period last year [34]. - Net profit attributable to shareholders was -¥22,623,049.65, representing a significant decline of 1,865.27% year-over-year [34]. - The net cash flow from operating activities was -¥146,789,281.46, a decrease of 59.90% compared to the previous year [34]. - Basic earnings per share were -¥0.0320, down 1,877.78% from the previous year [34]. - Total assets at the end of the reporting period were ¥2,129,339,158.27, a decrease of 1.17% from the end of the previous year [34]. - Net assets attributable to shareholders were ¥1,330,550,759.67, down 1.53% from the previous year [34]. - The company reported a net profit of 14,996,323.02 RMB from its subsidiary Beijing Yimei Soft Technology Co., Ltd [131]. - The company’s investment in Dongya Qianhai Securities resulted in a net loss of RMB 19.49 million, affecting the company's investment income by -RMB 508.59 million [94]. Cash Flow and Management - The company plans to enhance its operational funding management to mitigate risks associated with funding shortages as new business segments expand [11]. - The company is committed to improving its cash flow situation and effectively utilizing both self-raised and raised funds to ensure sufficient operational capital [11]. - The company plans to strengthen accounts receivable management and improve cash flow to ensure sufficient operating funds amid increasing operational capital needs [138]. - The company has a net amount of RMB 34,489.21 million from non-public stock issuance, with RMB 9,024.74 million invested in projects [113]. - The company utilized a total of 16,700 million RMB of temporarily idle raised funds for cash management during the reporting period [124]. Risk Management - The company acknowledges the risk of short-term profitability due to high initial investments in new businesses, which may affect overall profitability in the near term [12]. - The company is actively addressing management risks by enhancing its talent pool and optimizing its internal control systems [13]. - The company has established a strong customer base in the financial sector, serving over 360 banks across 31 provinces, accounting for approximately 45% of the total bank outlets in China [50]. - The company has maintained a competitive edge in the financial information technology industry through high-quality products and services, leading to a solid market position [50]. E-commerce and Market Presence - Anke Innovation's main business remains stable, focusing on cross-border e-commerce services, primarily selling home security and smart home products through platforms like Amazon and eBay [62]. - The company has expanded its product categories to include daily 3C electronic products, enhancing its market presence [63]. - The retail import and export total of China's cross-border e-commerce reached 134.7 billion RMB in 2018, marking a 50% year-on-year growth [67]. - The company operates in over 30 countries, including the US, UK, Germany, and Australia, with a focus on expanding its offline sales channels [68]. Shareholder Information - The total number of shares is 706,640,535, with 41.26% being restricted shares and 58.74% being unrestricted shares [187]. - The number of restricted shares held by major shareholders remains unchanged at 291,578,928 [190]. - Zhang Xuejun holds 18.98% of the total shares, amounting to 134,126,800 shares [191]. - He Ya holds 16.27% of the total shares, amounting to 114,994,400 shares [194]. - Chen Xiangjun holds 8.16% of the total shares, amounting to 57,650,700 shares [194]. - Li Jun holds 8.16% of the total shares, amounting to 57,644,200 shares, with 33,500,000 shares pledged [194]. Corporate Governance and Compliance - The company has not experienced any major litigation or arbitration matters during the reporting period [149]. - The company has not undergone any bankruptcy reorganization during the reporting period [148]. - The company has not implemented any stock incentive plans or employee shareholding plans during the reporting period [152]. - The company has no significant contracts or external guarantees that exceed 10% of the total profit for the reporting period [165][172]. - The company has no major environmental protection issues and is not classified as a key pollutant discharge unit [174].