上海安硕信息技术股份有限公司 证券代码：300380 证券简称：安硕信息 公告编号：2023-042 上海安硕信息技术股份有限公司 关于举行 2022 年度业绩说明会的公告 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。 为了让广大投资者进一步了解公司 2022 年年度经营情况，公司定于 2023 年 5 月 16 日（星期二）15:30-17:30 在"全景网"和"价值在线"双平台采用网 络互动的方式举办 2022 年年度业绩说明会，投资者可根据习惯和方便选择登陆 "全景•路演天下"（http://rs.p5w.net）和"价值在线"（www.ir-online.cn）任一平 台参与本次年度业绩说明会。 本公司董事长兼总经理高勇先生、财务负责人兼董事会秘书刘汛先生及独立 董事刘建国先生将会出席本次业绩说明会。 为充分尊重投资者、提升交流的针对性，现就公司 2022 年度业绩说明会提 前向投资者公开征集问题，广泛听取投资者的意见和建议。投资者可于 2023 年 5 月 16 日前扫描下方二维码和小程序码，进入问题征集专题页面。 （价值在线问题征集页面小程序） ...

Revenue and Profitability - Revenue for Q3 2022 reached ¥194,924,572.91, an increase of 10.42% year-over-year, while year-to-date revenue was ¥483,226,964.95, up 15.35% compared to the same period last year[5]. - Net profit attributable to shareholders for Q3 2022 was ¥1,350,816.33, a decrease of 48.48% year-over-year, but year-to-date net profit increased by 147.07% to ¥2,711,876.14[5]. - Total operating revenue for Q3 2022 reached ¥483,226,964.95, an increase of 15.3% compared to ¥418,905,001.78 in the same period last year[23]. - Net profit for Q3 2022 was a loss of ¥8,117,938.63, an improvement from a loss of ¥13,612,743.89 in Q3 2021[24]. - The company reported a basic and diluted earnings per share of ¥0.0193, compared to a loss of ¥0.0419 per share in the previous year[25]. Assets and Liabilities - Total assets at the end of Q3 2022 amounted to ¥1,028,315,680.76, reflecting a 24.46% increase from the end of the previous year[5]. - Total liabilities increased to ¥543,707,726.74, compared to ¥327,831,245.79 in the previous year, reflecting a significant rise in financial obligations[24]. - The company's total equity decreased to ¥484,607,954.02 from ¥498,357,723.65 year-on-year, indicating a decline in shareholder value[24]. - The company reported a significant increase in accounts receivable, which rose by 119.88% to ¥158,961,812.70, attributed to seasonal sales collection patterns[9]. - Inventory at the end of Q3 2022 was ¥577,050,783.51, up 54.84% from the beginning of the year, indicating business expansion[9]. Cash Flow and Financing - Cash flow from operating activities showed a net outflow of ¥328,437,149.53 year-to-date, a decrease of 12.48% compared to the previous year[5]. - Cash received from borrowings in the first three quarters was ¥282,627,581.27, an increase of 126.10% year-on-year, driven by new short-term borrowings to meet operational development needs[13]. - Cash paid for debt repayment in the first three quarters was ¥30,000,000, an increase of 200.00% year-on-year, mainly due to increased bank loan repayments during the reporting period[14]. - Total cash inflow from investment activities was 134,086,641.59 CNY, down from 223,272,869.59 CNY in the previous quarter[28]. - The net cash flow from financing activities was 240,342,071.84 CNY, compared to 85,984,672.81 CNY in the previous quarter, showing a substantial improvement[28]. Expenses and Operational Efficiency - Total operating costs amounted to ¥489,691,220.42, up 11.8% from ¥437,878,230.35 year-on-year[23]. - Sales expenses for the first three quarters decreased by 18.71% to ¥18,084,852.69, attributed to reduced business entertainment and travel expenses during the pandemic[11]. - Research and development expenses were ¥91,097,369.88, a decrease of 10.1% from ¥101,356,070.57 in the previous year[24]. - The company is focusing on improving operational efficiency to enhance profitability in the upcoming quarters[24]. Shareholder Information - Total number of common shareholders at the end of the reporting period was 16,198, with no preferred shareholders with restored voting rights[16]. - The largest shareholder, Shanghai Anshuo Technology Development Co., Ltd., holds 30.13% of the shares, totaling 42,418,368 shares[16]. Government Support and Impairment - The company received government subsidies totaling ¥6,743,843.18 in Q3 2022, which is an increase from the previous year[6]. - The company reported a 394.13% increase in asset impairment losses, totaling -¥8,547,395.81, mainly due to increased inventory[12]. Audit and Reporting - The company did not conduct an audit for the third quarter report[29].

Group 1: Internet Finance Trends - The trend of financial internetization is becoming evident, with traditional financial institutions showing significant interest in 2015 [2][3] - Non-bank institutions are innovating in the financial asset sector, and private capital is increasingly penetrating the financial industry [3] Group 2: Company Services and Offerings - The company does not engage directly in internet finance but provides IT and related services to internet financial institutions, such as Lufax [3] - Key services include financial IT, asset risk warning, and data services (including credit reporting and cloud computing) [3] Group 3: Data Services and Collection - Data services are crucial for banks, with the company preparing to provide various data through joint ventures, purchases, and self-collection [4][5] - The demand for collateral and litigation data is currently high, with different banks having varying focus areas [4] Group 4: Competition and Market Dynamics - The corporate credit reporting sector has low entry barriers, but market recognition is key; currently, there is no widely recognized third-party credit reporting agency [5] - The industry is expected to consolidate over time, with mergers and acquisitions being a characteristic of its development [5] Group 5: Future Plans and Investments - The company has already invested in personnel for preliminary work on credit reporting, with major investments expected to occur next year [6] - The focus remains on corporate credit reporting, with plans to enter the personal credit reporting sector when appropriate [6]

Group 1: Investor Relations Activities - The investor relations activity involved a meeting with various financial institutions and analysts to discuss company strategies and developments [2][3]. Group 2: Establishment of Interlink Microfinance - The establishment of Interlink Microfinance aims to support the development of small and micro enterprises, addressing challenges faced by commercial banks in this sector [3][4]. - The partnership includes Shanghai Guwen Investment Management, which provides consulting services to enhance small loan business efficiency, targeting a non-performing loan rate below 1% [3][4]. Group 3: Business Model and Revenue Generation - The actual loan interest rates for small and micro enterprises range from 13% to 18%, with the company aiming to bridge the gap between these rates and the banks' lending costs (7%-9%) [4][5]. - The revenue model relies on the difference between the interest charged to small enterprises and the banks' costs, with a requirement for a security deposit to cover potential bad debts [4][5]. Group 4: Market Competition and Risks - The company acknowledges competition from internet finance and micro-lending companies, emphasizing that complete market monopoly is rare [5]. - Risks include potential service termination by bank clients or in-house management of outsourced services, which could impact the joint venture [5]. Group 5: Credit Business Development - The company is currently developing its credit business, focusing on testing and preparing for market launch, with a small team engaged in this effort [6][7]. - The company has access to valuable data sources for credit assessment, enhancing its competitive edge in the market [6]. Group 6: Software and Cloud Services Growth - The growth in software services is attributed to a significant increase in non-financial clients, aligning with the rapid growth of internet finance [7][8]. - The company has several dozen clients for its micro-lending cloud services, with plans to collaborate with local regulatory bodies for broader market penetration [8][9]. Group 7: Employee Growth and Company Size - The company plans to hire 200-300 new employees annually based on business needs, with a total workforce of approximately 1,500 after the recent recruitment [9].

Group 1: Company Overview and Business Focus - The company, Shanghai Anshuo Information Technology Co., Ltd., is focusing on enterprise credit reporting and plans to apply for personal credit reporting licenses in the future, although there is uncertainty regarding the approval of such licenses [2] - The company has a user advantage in developing credit reporting services due to its extensive experience and talent pool in credit rating and software development [4] Group 2: Market Landscape and Competition - There are approximately 20 companies nationwide applying for credit reporting services, with about 10 located in Shanghai, indicating a competitive but nascent market [3] - The credit reporting industry in China is still in its early stages, presenting significant market opportunities for new entrants [3] Group 3: Market Size and Growth Potential - The current market size of the credit reporting industry is relatively small, with expectations of a prolonged growth period before reaching maturity [4] - Various institutions have differing predictions regarding the future market capacity, but overall growth is anticipated [4] Group 4: Regulatory Environment and Policy Support - Current policies are more supportive than restrictive, with expectations for further encouraging regulations and laws to promote the development of the credit reporting industry [4] Group 5: Business Model and Revenue Generation - The company plans to charge for its credit reporting services through various models, including per transaction, annual fees, and based on the subject matter [5] - The company is investing in new data services, cloud services, and credit reporting business, which may increase costs and impact profits in the short term [6] Group 6: Operational Challenges and Future Outlook - The company anticipates stabilizing business growth but faces challenges such as rising labor costs and the need for project revenue recognition [7] - The company aims to finalize its business model by the end of 2015 and expects to have a preliminary business framework within three years [6]

Group 1: Financial Development Insights - The core banking systems include customer-facing functions such as savings, loans, and payments, while internal management functions involve accounting [2] - The development model of banking has shifted from liability-driven to asset-driven, with a growing emphasis on asset business [3] - The "thin core" phenomenon is emerging, where core system functions are integrated into peripheral business systems [3] Group 2: Business Expansion and Strategy - The company is developing P2P systems for clients, having already implemented transaction systems for five to six clients [3] - The company plans to invest significantly in data services and credit reporting, aiming to establish a business model by the end of 2015 [4] - The company's product focus is primarily on asset software, with a strategic emphasis on data services and cloud services for small and micro banks [5] Group 3: Operational Metrics - The company currently employs approximately 1,200 staff, with a significant number of recent graduates [6] - Employee turnover rate is below 20%, which is lower than the industry average of around 30% [7] - The company is considering expanding office space due to increased demand from customized development and credit reporting services [6] Group 4: Market Position and Client Engagement - Cloud services are expected to significantly reduce IT investment for clients while providing professional-level services [7] - Target clients for data cloud services are primarily branch banks or small to medium-sized banks, with pricing based on service usage or specific metrics [7]

Group 1: Company Strategy and Services - The company provides loan software for financial institutions, focusing on expanding traditional business and serving a broader client base, including banks and non-bank financial institutions [2] - The company plans to offer additional services beyond IT, including data services related to real estate, litigation, and public opinion, which have already attracted many customers [3] - The company is preparing to launch credit products and expand its cloud platform for small and micro financial institutions [3] Group 2: Data Acquisition and Market Position - Data is collected through three main methods: self-collection of public data, collaboration or data exchange with other companies, and purchasing data [3] - The company has not conducted statistics on the loan amounts on its cloud platform, as these are client data [3] - The company is in the early stages of its data services business, with significant future growth potential in the market for supportive data for loan decision-making and risk pricing [4] Group 3: Company Structure and Workforce - The company currently employs approximately 1,400 people, with around 200 in research and development [4] - Most employees are involved in projects within banks, indicating a strong connection to the financial sector [4] - The company is focusing on recruiting talent in security and performance, with core technical and business personnel at the new subsidiary, ZhiXin, having reserved equity [5]