珠海汇金科技股份有限公司 2020 年半年度报告全文 珠海汇金科技股份有限公司 2020 年半年度报告 2020-078 2020 年 08 月 1 珠海汇金科技股份有限公司 2020 年半年度报告全文 第一节 重要提示、目录和释义 公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的 真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 公司负责人陈喆、主管会计工作负责人孙玉玲及会计机构负责人(会计主管 人员)孙玉玲声明：保证本半年度报告中财务报告的真实、准确、完整。 所有董事均已出席了审议本报告的董事会会议。 本报告中涉及未来计划或经营规划等前瞻性陈述的，不构成公司对投资者 的实质承诺，投资者及相关人士均应对此保持足够的风险认识，并且应当理解 计划、预测与承诺之间的差异，敬请投资者注意投资风险。 公司在经营管理中可能面临的风险与应对措施已在本报告中第四节"经营 情况讨论与分析"之"九、公司面临的风险和应对措施"部分予以描述。敬请广大 投资者关注，并注意投资风险。 公司计划不派发现金红利，不送红股，不以公积金转增股本。 2 | 目录 | | --- | | 2 ...

珠海汇金科技股份有限公司 2020 年第一季度报告全文 珠海汇金科技股份有限公司 2020 年第一季度报告 2020-032 2020 年 04 月 1 珠海汇金科技股份有限公司 2020 年第一季度报告全文 第一节 重要提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真 实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和 连带的法律责任。 所有董事均已出席了审议本次季报的董事会会议。 公司负责人陈喆、主管会计工作负责人孙玉玲及会计机构负责人(会计主管 人员)孙玉玲声明：保证季度报告中财务报表的真实、准确、完整。 2 珠海汇金科技股份有限公司 2020 年第一季度报告全文 第二节 公司基本情况 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 □ 是 √ 否 | | 本报告期 | 上年同期 | 本报告期比上年同期增减 | | --- | --- | --- | --- | | 营业总收入（元） | 37,739,426.04 | 53,568,381.69 | -29.55% | | 归属于上市公司股东的净利润（元） | 6,070,972.85 | ...

Financial Performance - The company's operating revenue for 2019 was ¥196,542,876.01, a decrease of 19.64% compared to ¥244,580,350.28 in 2018[21]. - The net profit attributable to shareholders for 2019 was ¥20,118,329.09, down 22.73% from ¥26,037,504.42 in 2018[21]. - The net profit after deducting non-recurring gains and losses was ¥7,383,347.52, an increase of 33.41% from ¥5,534,245.08 in 2018[21]. - The net cash flow from operating activities was ¥52,417,303.66, a significant increase of 206.80% compared to -¥49,078,930.65 in 2018[21]. - The total assets at the end of 2019 were ¥783,491,877.45, a decrease of 0.91% from ¥790,680,560.65 at the end of 2018[21]. - The net assets attributable to shareholders decreased by 2.28% to ¥669,725,192.26 from ¥685,376,542.47 in 2018[21]. - The weighted average return on equity for 2019 was 2.99%, down from 3.84% in 2018[21]. - The company achieved a gross profit margin of 58.16% in 2019, an increase of 7.28% compared to the previous year[60]. - The company reported a net profit of ¥18,606,222.72 for 2019, with a significant difference of ¥33,811,080.91 compared to the net cash flow from operating activities[76]. Dividend Distribution - The company reported a profit distribution plan to distribute cash dividends of 0.8 RMB per 10 shares, based on a total of 253,736,848 shares[10]. - A cash dividend of RMB 0.80 per 10 shares (including tax) was distributed to all shareholders, with no stock dividends or capital reserve transfers[116]. - The total cash dividend amount for 2019 was RMB 20,298,947.84, which accounted for 100% of the total profit distribution[115]. - The company plans to maintain a stable and active profit distribution policy, prioritizing cash dividends, with a minimum of 10% of distributable profits allocated for cash dividends annually[111]. - In the case of significant capital expenditures, the minimum cash dividend ratio is set at 20% for companies in a growth phase[112]. - The company’s profit distribution plan for 2019 was approved by the board and aligned with the company’s articles of association[115]. - The company has established a three-year shareholder return plan for 2019-2021, emphasizing sustainable and reasonable returns to investors[110]. Research and Development - The company has a strong focus on R&D, with over 95% of its technological achievements converted into products, and has participated in the formulation of 3 national and industry standards[36]. - The company has obtained 22 invention patents, 48 utility model patents, and 18 design patents, emphasizing its commitment to innovation and patent protection[39]. - The company is focused on applying high-tech solutions such as artificial intelligence and IoT in the financial sector, aiming to reduce operational costs and control risks systematically[37]. - The company aims to enhance its R&D capabilities and align product planning with financial industry trends and customer needs to improve profitability[103]. - The company reported an R&D investment amounting to ¥32,347,916.13 in 2019, representing 16.46% of total revenue, an increase from 14.68% in 2018[71]. Market Position and Strategy - The company emphasizes the importance of maintaining a stable and growing customer base in the banking sector, which is crucial for its operational stability and growth[8]. - The company aims to enhance its competitive strength and industry position by accelerating the development and promotion of new products[7]. - The company is focused on maintaining its market share and influence by timely launching new products and upgrading existing ones[9]. - The company has established a nationwide customer network, serving major commercial banks and financial institutions across China[47]. - The company has a strong brand advantage due to its long-term relationships with banking clients, which creates barriers for new entrants[47]. Risks and Challenges - The company faces risks related to the development and market expansion of new products, which may have uncertain revenue expectations due to lengthy promotion cycles[7]. - The company acknowledges the risk of declining gross margins due to intensified competition in the financial technology sector and plans to focus on innovation to maintain its leading advantage[9]. - The company recognizes the potential impact of macroeconomic factors and regulatory changes on the banking industry, which could affect its business development[8]. Compliance and Governance - The company emphasizes compliance with the requirements of the Growth Enterprise Market and aims to enhance corporate governance and risk management[105]. - The company has adhered to strict compliance with its articles of association and relevant regulations regarding related party transactions[146]. - The company has established a profit distribution policy, particularly focusing on cash dividends, to ensure investor returns[143]. Asset Management and Investments - The company reported a total investment of ¥181,707,551.79 during the reporting period, representing a significant increase of 283.46% compared to the previous year's investment[85]. - The company has invested a total of 33,296.61 million CNY in fundraising projects, with 18,022.5 million CNY allocated to the R&D center construction project[93]. - The company has a bank financial product with a principal amount of 6 million CNY, yielding an annualized return of 3.35%[179]. - The company raised a total of 4,000 million in funds through wealth management products with a return rate of 3.00% in November 2019[181]. Corporate Social Responsibility - The company actively engages in social responsibility initiatives, focusing on community support and employee rights protection[186]. - The company established a charity fund focused on supporting social welfare initiatives in Zhuhai, including scholarships for local schools[187]. - The company has a comprehensive employee welfare system, providing social insurance and optimizing employee care[187].

珠海汇金科技股份有限公司 2019 年第三季度报告全文 1 珠海汇金科技股份有限公司 2019 年第三季度报告全文 第一节 重要提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真 实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和 连带的法律责任。 所有董事均已出席了审议本次季报的董事会会议。 公司负责人陈喆、主管会计工作负责人孙玉玲及会计机构负责人(会计主管 人员)孙玉玲声明：保证季度报告中财务报表的真实、准确、完整。 珠海汇金科技股份有限公司 2019 年第三季度报告 2019-138 2019 年 10 月 2 珠海汇金科技股份有限公司 2019 年第三季度报告全文 第二节 公司基本情况 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 □ 是 √ 否 | | 本报告期末 | 上年度末 | | 本报告期末比上年度末增减 | | --- | --- | --- | --- | --- | | 总资产（元） | 715,363,949.88 | | 790,680,560.65 | -9.53% | | 归属于上市公司股东的净资产 | 670,338 ...

珠海汇金科技股份有限公司 2019 年半年度报告全文 珠海汇金科技股份有限公司 2019 年半年度报告 2019-095 2019 年 08 月 1 珠海汇金科技股份有限公司 2019 年半年度报告全文 第一节 重要提示、目录和释义 公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的 真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 公司负责人陈喆、主管会计工作负责人孙玉玲及会计机构负责人(会计主管 人员)孙玉玲声明：保证本半年度报告中财务报告的真实、准确、完整。 公司计划不派发现金红利，不送红股，不以公积金转增股本。 2 | 目录 | | --- | | 2019 | 年半年度报告 | 2 | | --- | --- | --- | | 第一节 | 重要提示、释义 | 5 | | 第二节 | 公司简介和主要财务指标 | 8 | | 第三节 | 公司业务概要 | 11 | | 第四节 | 经营情况讨论与分析 | 26 | | 第五节 | 重要事项 | 33 | | 第六节 | 股份变动及股东情况 | 38 | | 第七节 | 优先股相关情况 | 39 | ...

Financial Performance - The company reported a profit distribution plan of 2.00 RMB per 10 shares (including tax) and a capital reserve increase of 5 shares for every 10 shares held[11]. - The company's operating revenue for 2018 was ¥244,580,350.28, representing a 1.06% increase from ¥242,018,669.49 in 2017[23]. - The net profit attributable to shareholders decreased by 67.34% to ¥26,037,504.42 in 2018 from ¥79,724,732.27 in 2017[23]. - The net profit after deducting non-recurring gains and losses was ¥5,534,245.08, down 90.49% from ¥58,188,602.63 in the previous year[23]. - Basic and diluted earnings per share fell by 66.67% to ¥0.16 from ¥0.48 in 2017[23]. - The company reported a total revenue of 1.2 billion RMB for the year 2018, representing a year-over-year growth of 15%[40]. - The company reported a net profit of ¥25,935,804.17 for 2018, with significant cash flow discrepancies attributed to seasonal revenue concentration in the fourth quarter[74]. - The company provided a positive outlook for the next fiscal year, projecting a revenue growth of 10% to 1.32 billion RMB[114]. Market and Product Development - The company focuses on developing new products that meet the evolving needs of the banking industry, which is critical for asset security and system reliability[7]. - The company is actively monitoring financial industry reforms and technological advancements to align its product development strategies accordingly[7]. - New product development includes the launch of a smart cash management system, expected to enhance operational efficiency by 30%[40]. - The company has developed new AI and IoT solutions for banking operations, including facial and voice recognition systems, which are currently being implemented[48]. - The company is expanding its market presence in Southeast Asia, targeting a 25% market share by 2020[41]. - A strategic acquisition of a local tech firm was completed, which is anticipated to contribute an additional 200 million RMB in revenue annually[40]. - The company has signed a strategic cooperation agreement with Obsidian Technology to jointly develop high-security 3D facial recognition products for the financial industry[49]. Risks and Challenges - The company faces risks related to new product development and market expansion, with potential uncertainties in future revenue generation due to long preparation cycles for new product launches[6]. - The company's main business relies heavily on the banking sector, making it vulnerable to changes in the macroeconomic environment and banking industry dynamics[8]. - The company anticipates challenges from increased competition in the banking internal control risk management market, which could lead to a decline in gross profit margins[9]. - The company acknowledges the potential for lower-than-expected market demand for new products, which could impact the effectiveness of its fundraising investments[11]. Research and Development - The company emphasizes the importance of accurately predicting industry technology trends and customer needs to maintain its competitive edge[6]. - The company has developed a series of internal control risk management solutions tailored to banking business processes, enhancing operational efficiency and risk control[39]. - Research and development expenses increased by 18%, totaling 150 million RMB, to support innovation initiatives[40]. - The company actively applies for patents to maintain its competitive advantage, with numerous patents pending as of December 31, 2018[39]. Financial Management and Fundraising - The company is committed to addressing the risks associated with its fundraising projects, which are focused on the banking internal control risk management sector[11]. - The company has been managing idle fundraising through cash management strategies[83]. - The company raised a total of 12,500 million in funds through wealth management products with an annualized return of 3.80%[160]. - The company is focused on enhancing its financial product offerings to meet the growing demand from investors[160]. Corporate Governance and Compliance - The company emphasizes the importance of internal control and quality management to improve operational efficiency[95]. - The company has established a performance evaluation mechanism to enhance talent management and employee engagement[95]. - The company is committed to maintaining a competitive annualized return on its financial products, which is crucial for attracting investors[160]. - The company has a complete internal control system and a modern corporate governance structure[165]. Shareholder Information - The company’s total share capital as of April 24, 2019, is 170,115,232 shares[102]. - The company has committed to a cash dividend policy, ensuring a minimum payout ratio of 30% of net profits[129]. - The company reported a cash dividend distribution for 2018 set at RMB 2.00 per 10 shares, totaling RMB 34,023,046.40[102]. - The company has not sold any significant assets or equity during the reporting period[90][91].

Financial Performance - Total revenue for Q1 2019 was ¥53,568,381.69, an increase of 2.89% compared to ¥52,064,242.77 in the same period last year[8]. - Net profit attributable to shareholders was ¥9,882,104.94, representing a 4.04% increase from ¥9,498,266.10 year-on-year[8]. - Net profit excluding non-recurring items rose significantly by 40.04% to ¥7,224,555.36 from ¥5,158,846.36 in the previous year[8]. - The company reported a diluted earnings per share of ¥0.06, unchanged from the same period last year[8]. - The net profit for Q1 2019 was CNY 9,747,331.26, representing a 3.29% increase from CNY 9,436,593.71 in the previous year[47]. - The total profit for the period was CNY 11,857,358.88, up from CNY 11,576,655.48, reflecting a growth of 2.4% year-over-year[51]. - Operating profit reached CNY 11,859,168.47, compared to CNY 11,576,655.48 in the previous year, indicating a 2.4% increase[51]. - The company’s total comprehensive income for the period was CNY 10,022,379.58, compared to CNY 9,562,455.74 in the same quarter last year[52]. Cash Flow - The net cash flow from operating activities improved by 52.90%, reaching -¥22,918,875.37 compared to -¥48,655,190.55 in the same period last year[8]. - The cash flow from operating activities showed a net outflow of CNY 22,918,875.37, an improvement from a net outflow of CNY 48,655,190.55 in the same quarter last year[55]. - The total cash outflow from operating activities was ¥63,955,090.71, down from ¥91,953,897.86 year-over-year[59]. - The cash inflow from the recovery of investments was ¥287,000,000.00, indicating a strong performance in investment recovery[59]. - The total cash inflow from investment activities was CNY 289,615,237.90, compared to zero in the same period last year[56]. - The company did not report any cash inflow from financing activities, maintaining a net cash flow of -¥3,392,302.30 in this category[60]. Assets and Liabilities - Total assets decreased by 4.59% to ¥754,418,755.99 from ¥790,680,560.65 at the end of the previous year[8]. - Total current assets decreased to CNY 662,455,473.86 from CNY 705,406,877.33, a decline of approximately 6.1%[37]. - Total liabilities decreased to CNY 59,069,748.96 from CNY 105,447,632.39, a reduction of approximately 44%[38]. - The company's equity attributable to shareholders increased to CNY 695,627,394.92 from CNY 685,376,542.47, an increase of about 1.8%[39]. - The company reported a decrease in short-term borrowings, remaining at CNY 0.00[38]. Shareholder Information - The total number of shareholders at the end of the reporting period was 14,030[12]. - The largest shareholder, Chen Zhe, holds 37.72% of the shares, amounting to 64,278,372 shares[12]. Investments and Projects - The total amount of raised funds for the quarter is 33,296.61 million, with 3,848.18 million invested during this period[27]. - The "Logistics Internal Control Management Solution Construction Project" has been terminated, with the remaining balance of 1,359.95 million redirected to the "R&D Center Construction Project" and "Bank Seal Management Solution Construction Project" investments[28]. - The "R&D Center Construction Project" has a total investment of 4,154.45 million, with 793.97 million invested so far, achieving 21.34% of the planned progress[27]. - The "Bank Seal Management Solution Construction Project" has a total investment of 6,631.3 million, with 1,107.4 million invested, achieving 16.70% of the planned progress[27]. Operational Efficiency - The company continues to strengthen its core competitiveness in the financial risk prevention sector and has not made significant changes to its main business model[20]. - The company has accelerated the construction of its information platform and system to enhance operational efficiency and management standards[22]. - The company plans to continue focusing on market expansion and new product development in the upcoming quarters[39].

Financial Performance - Net profit attributable to shareholders was CNY 1,235,463.05, down 81.07% year-on-year[8]. - Operating revenue for the reporting period was CNY 35,205,356.16, a decline of 9.96% compared to the same period last year[8]. - Basic earnings per share were CNY 0.01, down 75.00% year-on-year[8]. - The weighted average return on net assets was 0.18%, a decrease of 0.86% compared to the previous year[8]. - Operating profit decreased significantly to ¥1,562,743.82 from ¥7,757,208.05, a decline of approximately 79.9%[43]. - Net profit for the current period is ¥1,087,767.25, down from ¥6,524,989.83, reflecting a decrease of around 83.3%[43]. - The total profit for the current period is CNY 19,970,282.25, a decrease of 62.0% from CNY 52,464,013.88 in the previous period[51]. - The company's operating profit for the current period is CNY 19,822,245.66, a decrease of 61.0% from CNY 50,870,778.64 in the previous period[51]. Cash Flow - The net cash flow from operating activities for the year-to-date was CNY -114,456,375.67, a decrease of 158.62%[8]. - The company's operating cash flow net amount is CNY -114,456,375.67, worsening from CNY -44,256,879.25 in the previous period[56]. - The net cash flow from operating activities was -113,256,869.76, compared to -44,256,879.25 in the previous period, indicating a decline in operational cash flow[61]. - Cash inflow from investment activities totaled 858,903,876.09, down from 1,137,590,868.64 in the previous period, reflecting a decrease of approximately 24.5%[61]. - The net cash flow from investment activities was -322,817,843.47, a significant drop from 6,975,651.56 in the previous period[61]. - Cash inflow from financing activities was 2,834,400.00, an increase from 978,000.00 in the previous period, representing a growth of approximately 189.5%[62]. - The net cash flow from financing activities was -27,797,726.14, worsening from -19,182,000.00 in the previous period[62]. - The ending balance of cash and cash equivalents was 48,961,034.68, down from 82,125,146.56 in the previous period, indicating a decrease of approximately 40.5%[62]. Assets and Liabilities - Total assets at the end of the reporting period were CNY 740,386,271.07, a decrease of 3.55% compared to the end of the previous year[8]. - Current assets totaled CNY 684,365,913.84, down 6.1% from CNY 728,845,960.04 at the start of the period[34]. - Total liabilities decreased to CNY 69,453,768.13, down 19.4% from CNY 86,219,948.83[36]. - Shareholders' equity totaled CNY 670,932,502.94, a slight decrease from CNY 681,396,641.91 at the beginning of the period[36]. - The company reported a significant reduction in short-term borrowings, with current liabilities totaling CNY 63,153,884.98, down 20.1% from CNY 78,903,903.32[36]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 14,655[12]. - The largest shareholder, Chen Zhe, held 37.70% of the shares, totaling 64,278,372 shares[12]. - The company did not conduct any repurchase transactions among the top 10 shareholders during the reporting period[13]. Inventory and Receivables - Accounts receivable increased by 42.60% compared to the beginning of the year, influenced by the year-end settlement characteristics of customers[19]. - Prepayments increased by 292.41% compared to the beginning of the year, attributed to increased inventory[19]. - Inventory increased by 76.30% compared to the beginning of the year, due to seasonal characteristics of the industry and increased stocking[19]. Operating Costs and R&D - Operating costs increased by 68.06% year-on-year, mainly due to costs associated with new products and business expansion[20]. - R&D expenses increased by 39.38% year-on-year, reflecting increased investment in research and talent acquisition[22]. - Research and development expenses rose to ¥9,339,058.00 from ¥7,288,694.31, an increase of about 28.1%[41]. - R&D expenses for the year-to-date period were ¥25,208,327.34, compared to ¥18,085,922.85, reflecting an increase of approximately 39.2%[50]. Other Income and Gains - Non-recurring gains and losses totaled CNY 13,357,731.81, including government subsidies of CNY 3,764,462.50 and investment income of CNY 11,802,479.51[9]. - Other income increased to ¥6,825,329.20 from ¥1,178,667.14, showing a growth of approximately 479.5%[43]. - The company reported other income of CNY 16,840,173.98, an increase from CNY 10,821,864.17 in the previous period[54]. Asset Restructuring - The company is actively pursuing a major asset restructuring, with multiple progress announcements made throughout the reporting period[21]. - The company plans to continue the major asset restructuring and will communicate with transaction parties for feasible transaction plans[24]. - The company has initiated the repurchase and cancellation of restricted stock due to the departure of certain incentive plan participants[24].

珠海汇金科技股份有限公司 2018 年半年度报告全文 珠海汇金科技股份有限公司 2018 年半年度报告 2018-076 2018 年 08 月 1 珠海汇金科技股份有限公司 2018 年半年度报告全文 第一节 重要提示、目录和释义 公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的 真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 公司负责人陈喆、主管会计工作负责人马晓丽及会计机构负责人(会计主管 人员)马晓丽声明：保证本半年度报告中财务报告的真实、准确、完整。 所有董事均已出席了审议本报告的董事会会议。 本报告中涉及未来计划或经营规划等前瞻性陈述的，不构成公司对投资者 的实质承诺，投资者及相关人士均应对此保持足够的风险认识，并且应当理解 计划、预测与承诺之间的差异，敬请投资者注意投资风险。 公司存在新产品开发风险、新产品市场开拓风险、对银行业依赖的风险、 市场竞争加剧导致毛利率下降的风险及募集资金投资项目实施风险，具体请参 阅本报告"第四节、经营情况讨论与分析"之"十、公司面临的风险和应对措施" 部分。 公司计划不派发现金红利，不送红股，不以公积金转增 ...

珠海汇金科技股份有限公司 2018 年第一季度报告全文 珠海汇金科技股份有限公司 2018 年第一季度报告 2018-033 2018 年 04 月 1 珠海汇金科技股份有限公司 2018 年第一季度报告全文 第一节 重要提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真 实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和 连带的法律责任。 所有董事均已出席了审议本次季报的董事会会议。 公司负责人陈喆、主管会计工作负责人马晓丽及会计机构负责人(会计主管 人员)马晓丽声明：保证季度报告中财务报表的真实、准确、完整。 2 | | 本报告期 | 上年同期 | 本报告期比上年同期增减 | | --- | --- | --- | --- | | 营业总收入（元） | 52,064,242.77 | 48,538,083.21 | 7.26% | | 归属于上市公司股东的净利润（元） | 9,498,266.10 | 20,047,098.87 | -52.62% | | 归属于上市公司股东的扣除非经常性损 益的净利润（元） | 5,158,846.36 | 16,454,337.4 ...