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]

Group 1: Company Strategy - The overall strategy of the company focuses on financial services, divided into horizontal and vertical dimensions [2][3] - Horizontally, the company emphasizes financial IT services as its foundation and seeks partnerships and acquisition opportunities with specialized firms [3] - Vertically, the company has established four key areas: data services, cloud platform services for micro-financial institutions, inclusive finance through the establishment of Zhixin Company, and capital cooperation with financial institutions [3][4] Group 2: Zhixin Company - Zhixin Company aims to provide tailored financial services based on customer needs, integrating credit, social, and financial services [4] - The company plans to launch products by late May to early June, targeting a user base of tens of millions within a few years, focusing on transaction volume and frequency [4][5] - There is a possibility of future financing to support growth and product development [5][6] Group 3: Product Development and Market Position - The company has developed its enterprise credit products independently, with nearly 100 banks already using its IT systems for credit reporting [6] - The company is actively seeking talent to support the commercialization of its products, recognizing the challenges posed by its traditional business model [6][7] - The company does not currently plan to obtain personal credit licenses but is exploring ways to provide data services to financial institutions [7][8]

Group 1: Business Overview - The company primarily focuses on bank credit risk management software systems, accounting for approximately 70% of its revenue [2] - The market share in the banking sector is 75% among joint-stock banks and over 50% among city commercial banks [3] - The company has launched a small loan cloud service, with over 8,000 small loan companies in China, collectively holding a registered capital of 1 trillion RMB and loans of approximately 1.1 trillion RMB [3] Group 2: Financial Performance - Revenue from traditional business grew by 20% compared to the previous year, but profits declined due to high investment costs and rising labor expenses [4] - The company currently employs around 1,400 people, with a turnover rate of 20%, lower than the industry average of 30% [5] Group 3: Market Strategy and Challenges - The company is expanding its data services, including real estate data, litigation data, and public opinion information, and has established a corporate credit reporting company [3][4] - Although one-third of small loan companies in Shanghai are clients, the proportion of these companies purchasing cloud services remains low, indicating a need for further market development [3] Group 4: Future Outlook - New business segments are still in the investment and market introduction phases, with some generating revenue but not significantly impacting the overall income structure [5][6] - The company is cautious about potential regulatory changes in the internet finance sector but remains committed to innovation and compliance with economic principles [4][6]

证券代码：300380 证券简称：安硕信息 编号：2015-04 上海安硕信息技术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 | 太平资产管理有限公司：詹瑶 | | | 人员姓名 | | | | 时间 | 2015 年 04 月 27 | 日上午 9 点半 | | 地点 | 公司会议室 | | | 上市公司接待 | 董事会秘书曹丰、证券事务代表萧珏 | | | 人员姓名 | | | | 投资者关系活动 | | 问：最近国家出台了一些关于资产证券化，注册制等政策， | | 主要内容介绍 | 对公司的 ...

Group 1: Company Overview - The company primarily develops bank credit management software systems, serving 9 joint-stock banks and over 80 city commercial banks, along with some rural commercial banks [2] - The risk management system was previously developed for foreign companies and a few domestic enterprises [2] - The company has started data services, including real estate data, business data, litigation data, and public opinion data [3] Group 2: New Business Initiatives - A credit reporting company was established last year, focusing on data collection and analysis, and is currently undergoing registration [3] - The company plans to establish two new entities: Xichang Anshuo Yimin Internet Financial Services Co., Ltd. and Zhixin Company, with the former focusing on liability export and asset output, and the latter on inclusive finance [3] Group 3: Inclusive Finance Model - The inclusive finance model is still in development, with no specific product launched yet [4] - The aim is to address high interest rates and financing difficulties in the market, potentially providing lower-cost solutions for funding needs [4] - The company seeks to reduce intermediary costs in the inclusive finance sector [4] Group 4: Strategic Partnerships and Market Position - The company’s investment in Liangshan Commercial Bank aims to support its internet finance business and leverage its expertise in bank credit risk management for performance growth [4] - The company views the current state of enterprise credit reporting in China as an opportunity, given the disparity between the country's economic status and credit reporting development [5] Group 5: Future Business Direction - The company plans to transition from software to service-oriented operations, maintaining traditional business as a foundation for stronger customer relationships [6] - There is an emphasis on data service integration, recognizing that no single company can possess all necessary data [6] - The potential for synergy between inclusive finance products and other banking services is acknowledged, although the timeline for product launch remains uncertain [6]