Financial Performance - The company's revenue for Q3 2021 was ¥51,605,769.37, representing a 3.10% increase year-over-year[3] - Net profit attributable to shareholders decreased by 28.83% to ¥4,996,892.89 in Q3 2021[3] - The net profit after deducting non-recurring gains and losses increased by 36.68% to ¥3,215,908.73 for Q3 2021[3] - The company’s basic earnings per share for Q3 2021 was ¥0.0152, down 28.97% year-over-year[3] - The net profit attributable to the parent company for Q3 2021 was ¥17,819,424.79, an increase from ¥16,136,086.55 in Q3 2020, representing a growth of approximately 10.5%[28] - The basic and diluted earnings per share for Q3 2021 were both ¥0.0543, up from ¥0.0492 in the same period last year, indicating an increase of about 2.1%[28] - Operating profit for the third quarter was CNY 19,085,561.63, up from CNY 17,689,694.16 in the previous year[27] - Net profit for the third quarter reached CNY 17,815,459.38, compared to CNY 16,025,010.37 in the same quarter of the previous year, reflecting a growth[27] Assets and Liabilities - The total assets as of September 30, 2021, were ¥745,466,370.42, a decrease of 1.53% from the end of the previous year[4] - Total current assets decreased to CNY 381,389,096.56 from CNY 434,346,914.10 year-over-year[22] - Total non-current assets increased to CNY 364,077,273.86 from CNY 322,708,272.41 year-over-year[23] - Total liabilities decreased to CNY 82,856,585.21 from CNY 92,069,605.28 year-over-year[24] - Shareholders' equity totaled CNY 662,609,785.21, slightly down from CNY 664,985,581.23 in the previous year[24] - Total assets amounted to CNY 757,055,186.51, a slight decrease from CNY 759,796,141.99[36] - Total liabilities reached CNY 92,069,605.28, compared to CNY 94,810,560.76 in the previous period[37] Cash Flow - Cash flow from operating activities showed a net outflow of ¥44,881,395.05, down 58.38% year-to-date[3] - Cash flow from operating activities for Q3 2021 was negative at -¥44,881,395.05, compared to -¥28,337,979.65 in Q3 2020, reflecting a decline in operational cash flow[30] - Total cash inflow from operating activities was ¥120,164,761.93, down from ¥142,450,858.24 in the previous year, a decrease of approximately 15.6%[30] - Cash outflow from operating activities totaled ¥165,046,156.98, slightly reduced from ¥170,788,837.89 in Q3 2020, showing a decrease of about 3.4%[30] - The net cash flow from investing activities was -¥1,948,892.04 for Q3 2021, an improvement from -¥26,126,323.54 in Q3 2020[32] - Cash and cash equivalents significantly decreased to CNY 11,535,356.13 from CNY 82,900,839.71 year-over-year[22] - Cash and cash equivalents at the end of Q3 2021 were ¥6,564,355.01, significantly down from ¥41,178,789.01 at the end of Q3 2020, a decline of approximately 84.0%[30] Shareholder Information - The total number of common shareholders at the end of the reporting period is 20,641[13] - Major shareholder Chen Zhe holds 38.19% of shares, totaling 125,342,826 shares[13] - Major shareholder Ma Zheng holds 21.49% of shares, totaling 70,515,557 shares[13] - The total number of restricted shares at the end of the period is 153,412,506 shares[16] - The company completed the cancellation of 77,912 restricted shares on October 12, 2021[16] - The total share capital after the cancellation of restricted shares is 328,107,975 shares[18] - The company has not received any requests from creditors regarding guarantees or early debt repayment after the announcement of capital reduction[17] - The company’s major shareholders are involved in margin trading, holding a total of 1,546,500 shares through credit trading accounts[14] Regulatory and Compliance - The company has completed the business registration change and obtained a new business license on October 20, 2021[19] - The company has not undergone an audit for the third quarter report[38] - The report indicates a total of CNY 199,927,401.93 in undistributed profits[37] - The company has implemented new leasing standards starting from 2021, with no retrospective adjustments made[38] Non-Recurring Gains - Non-recurring gains totaled ¥1,780,984.16 for the current period, with government subsidies contributing significantly[6]

Financial Performance - The company's operating revenue for the first half of 2021 was RMB 83,295,230.83, representing a 2.77% increase compared to RMB 81,046,618.48 in the same period last year[23]. - The net profit attributable to shareholders of the listed company reached RMB 12,822,531.90, a significant increase of 40.67% from RMB 9,115,233.95 in the previous year[23]. - The net profit after deducting non-recurring gains and losses was RMB 8,595,528.61, up 61.67% from RMB 5,316,813.78 year-on-year[23]. - The basic earnings per share increased to RMB 0.04, reflecting a growth of 33.33% compared to RMB 0.03 in the same period last year[23]. - The company's operating revenue for the reporting period was ¥83,295,230.83, representing a year-on-year increase of 2.77% compared to ¥81,046,618.48 in the previous year[43]. - The company's operating costs increased by 8.33%, reaching ¥41,186,000.71, up from ¥38,017,902.13 in the previous year[43]. - The company reported a total revenue of 3.50 billion in 2021, reflecting a 40.5% increase compared to 2020[74]. - The total revenue for the first half of 2021 was 403 million yuan, a decrease of 1.6% compared to the previous period[174]. Assets and Liabilities - The total assets at the end of the reporting period were RMB 755,033,956.74, showing a slight decrease of 0.27% from RMB 757,055,186.51 at the end of the previous year[23]. - The net assets attributable to shareholders of the listed company decreased to RMB 659,302,543.53, down 1.11% from RMB 666,671,271.63 at the end of the previous year[23]. - The total assets at the end of the reporting period amounted to CNY 754,000,000, with a notable increase in fixed assets to CNY 334,859,330.17, representing 44.35% of total assets[51]. - The total liabilities of the company increased to RMB 97,418,003.50 from RMB 92,069,605.28, marking an increase of about 5.0%[151]. - The total liabilities amounted to CNY 94,110,943.25, an increase from CNY 88,762,545.03 at the end of 2020[156]. Cash Flow - The net cash flow from operating activities improved to -RMB 27,352,481.51, a 23.04% improvement from -RMB 35,539,709.47 in the same period last year[23]. - The company reported a significant increase of 518.17% in cash flow from investment activities, amounting to ¥26,917,820.61, primarily due to the purchase of bank wealth management products[43]. - The company reported cash inflow from investment activities of 407,785,524.81 CNY, compared to 458,263,657.17 CNY in the previous year[171]. - The net decrease in cash and cash equivalents was -26,695,872.70 CNY, compared to -72,197,299.02 CNY in the previous year[171]. Research and Development - The company has achieved 25 invention patents, 77 utility model patents, and 26 design patents, demonstrating strong research and development capabilities[34]. - Research and development investment decreased by 13.03%, totaling ¥10,283,956.68, compared to ¥11,824,878.20 in the previous year[43]. - The company emphasizes continuous innovation and technology development to enhance its core competitiveness in the financial risk management sector[38]. - The company has initiated new product development strategies aimed at expanding its market presence in the technology sector[177]. Market and Product Strategy - The company focuses on providing professional solutions and services for the financial industry, leveraging technologies such as artificial intelligence and the Internet of Things to enhance operational management and risk control[30]. - The company plans to adjust its product strategies in response to the increasing demand for standardized mobile financial solutions from banking clients[32]. - The company aims to enhance customer experience and operational efficiency through integrated solutions that combine hardware and software for financial institutions[31]. - The company is focusing on market expansion, targeting a 28.0% increase in user acquisition in the next quarter[74]. Shareholder and Capital Management - The company plans not to distribute cash dividends or issue bonus shares[6]. - The company implemented a profit distribution plan for 2020, distributing RMB 0.80 per share in cash and increasing shares by 3.00 for every 10 shares held, based on a total share capital of 252,450,683 shares[129]. - The total number of shares after the distribution increased to 328,185,887, with limited sale condition shares accounting for 46.75% and unrestricted shares at 53.25%[129]. - Major shareholders include Chen Zhe with 38.19% and Ma Zheng with 24.10% of the shares[135]. Compliance and Governance - The company received a warning letter from the Guangdong Securities Regulatory Bureau due to issues with information disclosure and insider registration management[108]. - The company has not engaged in any significant related party transactions during the reporting period[111]. - The half-year financial report has not been audited as of the reporting date[104]. - The company has not experienced any significant changes in the integrity status of its controlling shareholders or actual controllers[109].

Financial Performance - The company's operating revenue for Q1 2021 was ¥39,014,583.97, representing a 3.38% increase compared to ¥37,739,426.04 in the same period last year[8]. - The net profit attributable to shareholders for Q1 2021 was ¥6,213,267.05, up 2.34% from ¥6,070,972.85 year-on-year[8]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was ¥5,009,190.91, reflecting a 4.55% increase from ¥4,791,275.36 in the previous year[8]. - The company's total revenue for Q1 2021 was ¥39,014,583.97, representing a year-on-year increase of 3.38%[22]. - Net profit attributable to shareholders for the same period was ¥6,213,267.05, reflecting a year-on-year growth of 2.34%[22]. - The net profit for Q1 2021 was CNY 6,213,579.95, an increase from CNY 6,113,659.47 in the same period last year, representing a growth of approximately 1.6%[52]. - Operating profit for Q1 2021 was CNY 6,802,012.16, compared to CNY 7,329,473.13 in Q1 2020, indicating a decrease of about 7.2%[51]. - The total profit for Q1 2021 was CNY 6,793,963.85, down from CNY 7,329,443.44 in Q1 2020, reflecting a decline of approximately 7.3%[51]. Cash Flow and Assets - The net cash flow from operating activities was -¥22,721,288.45, a decrease of 42.01% compared to -¥16,000,202.49 in the same period last year[8]. - Cash and cash equivalents decreased by 66.64% compared to the beginning of the year, primarily due to idle funds being used for purchasing financial products[19]. - The ending cash and cash equivalents balance for Q1 2021 was CNY 27,658,424.75, significantly lower than CNY 62,478,521.77 at the end of Q1 2020, a decline of about 55.8%[56]. - The total assets at the end of the reporting period were ¥744,375,845.21, down 1.67% from ¥757,055,186.51 at the end of the previous year[8]. - The company's total assets amounted to CNY 744,509,582.98, a slight decrease from CNY 757,188,310.75 in the previous period[43]. - The total current liabilities decreased to RMB 58,639,949.67 from RMB 79,412,112.88, indicating a reduction of approximately 26.1%[39]. - The total liabilities decreased to RMB 73,177,297.56 from RMB 92,069,605.28, indicating a reduction of about 20.5%[39]. - The total cash inflow from operating activities was CNY 37,661,227.79, down from CNY 43,614,804.24 in the previous year, reflecting a decrease of approximately 13.5%[55]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 22,343[12]. - The largest shareholder, Chen Zhe, holds 38.19% of the shares, totaling 96,417,558 shares[12]. - The weighted average return on equity for Q1 2021 was 0.93%, up from 0.71% in the same period last year[8]. - The company's equity increased to CNY 674,639,345.67 from CNY 668,425,765.72, reflecting a positive trend in shareholder value[43]. Project and Investment Updates - The company reported a total investment commitment of CNY 33,296.61 million for various projects, with a completion progress of 84% as of the report date[27]. - The "Bank Self-Service Equipment Internal Control Management Solution Upgrade" project has achieved a completion rate of 102% with an investment of CNY 14,838.00 million[27]. - The "Logistics Internal Control Management Solution Construction Project" was terminated due to uncertainties in achieving expected returns, reallocating CNY 13,599.50 million to other projects[28]. - The "Research and Development Center Construction Project" has a completion rate of 109.12% with an investment of CNY 4,154.45 million[27]. - The company adjusted the expected completion date for several projects to June 30, 2021, due to delays caused by the COVID-19 pandemic[28]. - The company has faced challenges in project implementation due to changes in land use and geological conditions, affecting the overall progress[27]. Cost Management - Management expenses decreased by 44.05% year-on-year, attributed to improved management and cost control measures[20]. - Total operating costs decreased to CNY 34,663,434.37 from CNY 36,316,439.36, reflecting a cost reduction strategy[46]. Other Financial Metrics - The company reported a credit impairment loss of CNY -346,046.58 in Q1 2021, compared to CNY -1,657,800.49 in Q1 2020, indicating a significant improvement in credit quality[51]. - The company reported no violations regarding external guarantees or non-operating fund occupation by controlling shareholders during the reporting period[30][31]. - Basic and diluted earnings per share remained stable at CNY 0.02 for both Q1 2021 and Q1 2020[52].

Profit Distribution and Financial Performance - The company reported a profit distribution plan of 0.8 RMB per 10 shares (including tax) and a capital reserve increase of 3 shares for every 10 shares held[14]. - The cash dividend for the 2019 fiscal year was set at 0.80 RMB per 10 shares, totaling approximately 20.20 million RMB distributed to shareholders[112]. - The cash dividend accounted for 100% of the total profit distribution amount, reflecting the company's commitment to shareholder returns[113]. - The total cash dividend for 2020 amounted to RMB 20,196,054.64, representing 116.84% of the net profit attributable to the company's ordinary shareholders[116]. - The company’s profit distribution plan for 2020 complies with relevant regulations and aims to balance immediate and long-term shareholder interests[114]. - The company reported a total revenue of 1.5 billion RMB for the fiscal year 2020, representing a year-over-year growth of 20%[121]. - The net profit attributable to shareholders for 2020 was CNY 17,285,190.02, a decrease of 14.08% from CNY 20,118,329.09 in 2019[26]. - The basic earnings per share for 2020 was CNY 0.07, a decline of 12.50% compared to CNY 0.08 in 2019[26]. Market Position and Strategy - The company emphasizes the need for continuous investment in technology and product innovation to meet diverse customer demands and maintain competitive advantages[6]. - The company aims to enhance its market position by optimizing sales strategies and expanding cooperation channels to improve its competitive strength[7]. - The company will closely monitor industry policies and trends to adapt its strategic planning and maintain its competitive edge[9]. - The company is actively pursuing intellectual property rights to protect its innovations, which is crucial for maintaining market position[46]. - The company is focusing on optimizing its organizational structure to improve employee creativity and operational efficiency[57]. - The company is exploring acquisition opportunities to complement its resources and drive industry development[107]. Research and Development - The company has established a talent management system to attract and retain core technical personnel, which is crucial for its ongoing development[12]. - The company has obtained a total of 115 patents, including 25 invention patents, 66 utility model patents, and 24 design patents, demonstrating strong R&D capabilities[39][45]. - The ongoing research and development efforts are expected to lead to new product launches in the coming years, further solidifying the company's market presence[47]. - The company has invested 50 million RMB in R&D for new technologies, focusing on AI and machine learning applications[50]. - The company is in the development phase for several new products, including a cash and important items management system and a financial AI solution, which are expected to enhance operational efficiency and market competitiveness[74][75]. Financial Management and Investments - The company is committed to maintaining transparency and compliance in its financial management practices[172]. - The company has established a diversified funding source strategy, combining self-owned and raised funds for financial management[171]. - The company is actively engaging in high-risk entrusted financial management, with specific attention to liquidity and safety of funds[171]. - The company reported a return of 12.1 million from a financial product with a 2.40% yield[174]. - The company raised 4,000 million in floating principal protection financial products with a return of 3.20%[174]. Corporate Governance and Compliance - The company is committed to enhancing corporate governance and internal control management to promote stable development[58]. - The company emphasizes enhancing management efficiency and internal control systems to mitigate operational risks[107]. - The company has implemented the new revenue recognition standards starting January 1, 2020, adjusting accounting policies accordingly[147]. - The company confirmed that all commitments made to minority shareholders were fulfilled on time[145]. - The company has established a profit distribution system, including specific arrangements for cash dividends[141]. Challenges and Risks - The company faces risks related to market expansion due to the lengthy preparation and testing cycles for new product launches, which can lead to uncertain revenue expectations[7]. - The company acknowledges the risk of declining gross margins due to intensified competition in the financial technology sector[11]. - The overall investment progress of the committed projects has been impacted by the pandemic, affecting material supply and workforce availability[97]. - The company has faced delays in project construction due to changes in land use and adverse weather conditions[97]. Future Outlook - The company provided guidance for the next fiscal year, projecting a revenue growth of 10% to 1.32 billion RMB[50]. - Future outlook indicates a commitment to innovation and market expansion, aiming for a 10% increase in revenue for the next fiscal year[175]. - The company plans to enhance its technology capabilities to improve service delivery and customer experience in the coming years[175]. - The company is exploring potential mergers and acquisitions to strengthen its market position and diversify its product offerings[175].

Financial Performance - Operating revenue for the reporting period was CNY 50,052,424.59, an increase of 28.89% year-on-year[8] - Net profit attributable to shareholders was CNY 7,020,852.60, a significant increase of 429.60% compared to the same period last year[8] - Basic earnings per share for the reporting period were CNY 0.0278, reflecting a growth of 424.53% year-on-year[8] - The company reported a net profit attributable to shareholders after deducting non-recurring gains and losses of CNY 2,352,931.88, an increase of 618.75% year-on-year[8] - The company reported a significant increase in accounts receivable, which rose to CNY 117,405,211.35 from CNY 102,675,994.89 year-over-year[41] - The net profit for the current period was ¥7,033,194.17, compared to ¥1,336,148.38 in the same period last year, representing a significant increase[50] - The total comprehensive income for the current period was ¥7,008,995.03, compared to ¥1,315,636.21 in the previous period[50] Cash Flow - The net cash flow from operating activities was CNY 7,201,729.82, a decrease of 63.92% compared to the previous year[8] - Net cash flow from operating activities decreased by 592.14% compared to the same period last year, mainly due to early payments for materials in a tight supply market[20] - The net cash flow from operating activities was -28,320,430.54 CNY, compared to 5,624,991.32 CNY in the previous period, indicating a significant decline in operational cash generation[64] - The company received cash inflows from operating activities totaling ¥142,450,858.24, a decrease of 7.6% from ¥154,194,117.96 in the previous year[62] Assets and Liabilities - Total assets at the end of the reporting period were CNY 724,798,628.60, a decrease of 7.49% compared to the previous year[8] - Current assets decreased to CNY 427,748,812.45 from CNY 520,704,292.60, reflecting a reduction of about 17.8%[36] - Total liabilities decreased to CNY 60,873,266.76 from CNY 115,422,405.77, a reduction of about 47.3%[38] - The company's equity decreased from CNY 668,069,471.68 to CNY 663,925,361.84, a slight decline of approximately 0.3%[38] - The total assets as of September 30, 2020, were CNY 724,831,572.88, down from CNY 782,520,320.61 at the end of 2019[42] - The company's total liabilities decreased to CNY 57,300,503.35 from CNY 111,071,827.33 in the previous year[42] Shareholder Information - The total number of shareholders at the end of the reporting period was 28,058[12] - The largest shareholder, Chen Zhe, holds 38.19% of the shares, amounting to 96,417,558 shares[12] Government Subsidies and Other Income - The company received government subsidies amounting to CNY 5,541,089.91 during the reporting period[9] - Other income increased by 68.04% compared to the same period last year, primarily due to an increase in government subsidies received[20] Financial Management - The company's financial expenses increased by 40.93% compared to the same period last year, mainly due to reduced interest income from idle funds[20] - The company reported a total cash inflow from investment activities of 634,606,804.01 CNY, down from 798,092,926.84 CNY in the previous period[64] Research and Development - Research and development expenses for Q3 2020 were CNY 6,171,384.79, compared to CNY 6,294,512.43 in Q3 2019[45] - Research and development expenses amounted to ¥17,996,262.99, down 20.5% from ¥22,652,471.88 in the previous year[57] Asset Restructuring - The company planned a major asset restructuring to acquire 100% of Zhuowo Network Technology (Shanghai) Co., Ltd. through a combination of shares, convertible bonds, and cash[21] - The company terminated the major asset restructuring plan on August 27, 2020, after the board's approval[24]

Financial Performance - The company's operating revenue for the first half of 2020 was ¥81,046,618.48, a decrease of 22.87% compared to ¥105,081,272.64 in the same period last year[19]. - The net profit attributable to shareholders was ¥9,115,233.95, down 43.67% from ¥16,182,139.15 year-on-year[19]. - The net profit after deducting non-recurring gains and losses was ¥5,316,813.78, a decline of 48.95% compared to ¥10,414,319.29 in the previous year[19]. - Basic earnings per share decreased by 33.33% to ¥0.04 from ¥0.06 in the same period last year[19]. - The total comprehensive income for the first half of 2020 was approximately ¥9,218.5 million, reflecting a decrease compared to the previous period[180]. - The total profit for the first half of 2020 was ¥9,653,190.23, down from ¥18,638,711.90, reflecting a decrease of 48.2%[161]. - The company reported a net loss of approximately ¥20,297.94 million in profit distribution for the first half of 2020[180]. Cash Flow and Liquidity - The net cash flow from operating activities was -¥35,539,709.47, which is a 150.20% increase in negative cash flow compared to -¥14,204,304.88 last year[19]. - The company reported a net cash outflow of 72,197,299.02 yuan in cash and cash equivalents, a 43.82% improvement compared to the previous year[44]. - Cash and cash equivalents at the end of the period stood at 47,312,204.50 CNY, compared to 35,600,952.40 CNY at the end of the previous year, showing an increase in liquidity[169]. - The total cash outflow from financing activities was 30,220,468.48 CNY, reduced from 47,731,337.69 CNY in the prior year, indicating a decrease in financing costs[169]. - The company reported a net decrease in cash and cash equivalents of -72,197,299.02 CNY, compared to -128,520,468.30 CNY in the previous year, indicating an improvement in cash management[169]. Assets and Liabilities - Total assets at the end of the reporting period were ¥711,321,977.63, down 9.21% from ¥783,491,877.45 at the end of the previous year[19]. - The total liabilities decreased from CNY 115.42 million to CNY 54.40 million, a decline of approximately 52.8%[153]. - The company's long-term liabilities remained stable, with a slight decrease from CNY 8.03 million to CNY 7.46 million[153]. - The total amount of raised funds is CNY 332.97 million, with CNY 56.90 million invested during the reporting period[63]. - The company reported a decrease in total liabilities, which were approximately ¥10,325.1 million at the end of the first half of 2020[182]. Research and Development - Research and development expenses decreased by 27.71% to 11,824,878.20 yuan compared to the previous year[44]. - The company added 18 new authorized patents and 4 new software copyrights during the reporting period, enhancing its competitive advantage[39]. - The company is focusing on integrating artificial intelligence and IoT technologies to provide tailored solutions for financial industry clients[39]. Market Position and Strategy - The company has a strong market presence, serving over 120,000 bank outlets and nearly 500 provincial branches, including major state-owned banks and international banks[30]. - The company emphasizes the development of risk management solutions tailored to banking operations, guiding product development in the industry[32]. - The company is actively pursuing an acquisition of 100% equity in Zhuowo Network Technology (Shanghai) Co., Ltd. to enhance its overall service capabilities in the financial information technology sector[40]. Shareholder Information - The total number of shares is 253,736,848, with 47.01% being restricted shares and 52.99% being unrestricted shares[127]. - Major shareholder Chen Zhe holds 38.00% of shares, totaling 96,417,558 shares[131]. - The company has not reported any changes in the number of shares or significant shareholder movements during the reporting period[126]. Compliance and Governance - The financial report for the first half of 2020 was not audited[149]. - The company did not engage in any significant equity or non-equity investments during the reporting period[59][60]. - There were no major litigation or arbitration matters during the reporting period[99]. Future Outlook - The company plans to respond to the inquiry letter by August 14, 2020, after multiple extensions[122]. - The company is planning to acquire 100% equity of ZhuoWo Network Technology (Shanghai) Co., Ltd. through a combination of issuing shares, convertible bonds, and cash payments[120]. - The company plans to accelerate the development and promotion of new products to enhance its competitive strength[86].

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].

Financial Performance - Operating revenue for the reporting period was CNY 38,832,944.53, representing a year-on-year increase of 10.30%[8] - Net profit attributable to shareholders for the reporting period was CNY 1,325,687.17, an increase of 7.30% year-on-year[8] - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY -453,578.78, a significant decrease of 88.88% compared to the same period last year[8] - Basic earnings per share for the reporting period remained at CNY 0.005, unchanged from the previous year[8] - The weighted average return on net assets was 0.20%, an increase of 0.02% compared to the previous year[8] - Total operating revenue for Q3 2019 was CNY 38,832,944.53, an increase from CNY 35,205,356.16 in the same period last year, representing a growth of approximately 7.4%[43] - Net profit for Q3 2019 was CNY 1,315,636.21, compared to CNY 1,087,767.25 in the previous year, reflecting an increase of approximately 21%[44] - The total comprehensive income for Q3 2019 was CNY 1,315,636.21, compared to CNY 1,087,767.25 in the same period last year, showing an increase of approximately 21%[45] - The net profit for the third quarter of 2019 was CNY 18,019,939.54, an increase of 16.3% compared to CNY 15,507,969.04 in the same period last year[56] - Operating profit reached CNY 21,485,116.91, up from CNY 18,921,684.62, reflecting a growth of 8.2% year-over-year[56] Cash Flow and Investments - The net cash flow from operating activities for the year-to-date was CNY 5,758,143.27, an increase of 105.03%[8] - Net cash flow from operating activities increased by 105.03% year-on-year, attributed to increased collection of sales payments and reduced procurement payments[19] - Net cash flow from investing activities increased by 95.53% year-on-year, mainly due to increased infrastructure investment[19] - The cash flow from operating activities generated a net amount of CNY 5,758,143.27, a significant recovery from a negative cash flow of CNY -114,456,375.67 in the same period last year[61] - The net cash flow from investment activities was negative 14,439,195.18 CNY, an improvement from negative 322,817,843.47 CNY in the previous year[64] - The net cash flow from financing activities was negative 48,552,404.64 CNY, compared to negative 27,797,726.14 CNY in the same quarter last year[65] Assets and Liabilities - Total assets at the end of the reporting period were CNY 715,363,949.88, a decrease of 9.53% compared to the end of the previous year[8] - The company's current assets totaled CNY 513,999,115.68, down from CNY 705,406,877.33 at the end of 2018, indicating a decrease of about 27.2%[34] - Total liabilities decreased to CNY 45,661,083.92 from CNY 105,447,632.39, a decline of about 56.7%[35] - The company's equity attributable to shareholders decreased to CNY 670,338,510.52 from CNY 685,376,542.47, a decrease of approximately 2.2%[36] - The total assets as of Q3 2019 amounted to CNY 712,328,743.58, down from CNY 786,511,653.12 at the end of the previous period[41] - Total liabilities decreased to CNY 41,328,643.83 from CNY 100,985,634.63, a significant reduction of approximately 59%[40] - The company's equity totaled CNY 671,000,099.75, slightly down from CNY 685,526,018.49 in the previous period[41] Shareholder Information - The total number of shareholders at the end of the reporting period was 22,557[12] - The largest shareholder, Chen Zhe, holds 38.00% of the shares, totaling 96,417,558 shares[12] - The company repurchased and canceled 1,436,000 shares of restricted stock, accounting for 0.5628% of the total share capital before the repurchase[22] Research and Development - Research and development expenses were CNY 6,294,512.43, down from CNY 9,339,058.00, indicating a decrease of about 32.5%[43] - Research and development expenses for the year-to-date period were ¥22,652,471.88, down from ¥25,208,327.34, suggesting a potential shift in R&D focus[52] - Research and development expenses amounted to CNY 22,652,471.88, a decrease of 10.1% from CNY 25,208,327.34 in the previous year[56] Government Subsidies and Tax - The company received government subsidies amounting to CNY 787,265.00 during the reporting period[9] - The company achieved a significant reduction in tax expenses, with tax and additional charges dropping to ¥620,172.56 from ¥1,641,557.76[50] - The company received CNY 7,370,343.76 in tax refunds, down from CNY 13,075,711.48 in the previous year[60]

Financial Performance - Total operating revenue for the first half of 2019 was RMB 105,081,272.64, an increase of 5.46% compared to RMB 99,640,005.04 in the same period last year[18]. - Net profit attributable to shareholders was RMB 16,182,139.15, representing a growth of 10.72% from RMB 14,614,985.55 year-on-year[18]. - Net profit after deducting non-recurring gains and losses reached RMB 10,414,319.29, a significant increase of 58.52% compared to RMB 6,569,860.74 in the previous year[18]. - Basic earnings per share increased to RMB 0.0641, up 10.71% from RMB 0.0579 in the previous year[18]. - The total profit for the first half of 2019 was CNY 19,780,004.61, compared to CNY 17,105,973.16 in the previous year, marking an increase of around 9.8%[151]. - The company's operating profit for the first half of 2019 was CNY 19,781,787.25, an increase from CNY 16,957,936.57 in the same period of 2018, representing a growth of approximately 16.5%[149]. - The net profit for the current period was reported as CNY 14,118,781, indicating a decrease of 16,538,600 compared to the previous period[172]. - The company reported a net profit margin of 15%, reflecting improved operational efficiency[199]. Cash Flow and Assets - The net cash flow from operating activities improved to -RMB 14,204,304.88, a reduction of 84.38% from -RMB 90,932,147.57 in the same period last year[18]. - Cash and cash equivalents decreased by 78.09% compared to the beginning of the year, mainly due to payments for construction projects[30]. - The total assets at the end of the reporting period were RMB 715,952,109.81, a decrease of 9.45% from RMB 790,680,560.65 at the end of the previous year[18]. - The total liabilities decreased to CNY 47,933,630.06 as of June 30, 2019, down from CNY 105,447,632.39 at the end of 2018, a reduction of approximately 54.5%[138]. - The ending balance of cash and cash equivalents was 35,600,952.40 CNY, down from 88,995,349.05 CNY at the end of the previous year, representing a decline of approximately 60%[156]. - The total assets at the end of the reporting period amounted to CNY 667,530,840, showing a significant increase compared to the previous period[174]. Investment and R&D - Research and development expenses increased by 3.08% to 16,357,959.45, indicating a continued focus on innovation[40]. - The company invested 105,453,260.37 in fixed assets, intangible assets, and other long-term assets, a 651.33% increase from 14,035,454.05 in the previous year[40]. - The company is focusing on technological advancements and new strategies to enhance its market presence[175]. - Investment in R&D for new technologies reached 10 million RMB, focusing on enhancing product features and user experience[198]. Market and Competition - The company faces risks related to new product development and market expansion, as well as increased competition affecting gross margins[4]. - The company is actively expanding its market presence by leveraging artificial intelligence and IoT technologies to provide professional solutions for the financial industry[36]. - The company anticipates potential declines in gross margins due to increased competition in the banking risk management market[72]. - The company plans to focus on expanding its market presence and enhancing its product offerings in the upcoming quarters[169]. Corporate Governance and Shareholder Actions - The company plans not to distribute cash dividends or issue bonus shares[5]. - The company held several shareholder meetings with participation rates around 65% during the reporting period[77]. - The company completed the repurchase and cancellation of 294,872 restricted stocks for 5 departing incentive recipients on April 19, 2019[84]. - A total of 1,436,000 restricted stocks were approved for repurchase and cancellation due to unmet performance conditions and departures of incentive recipients[85]. Strategic Initiatives - The company is planning a major asset restructuring to acquire 100% equity of Jiangxi Shangtong Technology Development Co., Ltd., a leading cloud information service provider[38]. - A strategic cooperation agreement was signed with China Great Wall Technology Group to enhance collaborative innovation capabilities[37]. - The company is committed to maintaining transparency in its financial management practices, as evidenced by detailed reporting on entrusted funds[61]. Risk Management - The company is focusing on the development of new products to meet the evolving needs of the banking industry, which may increase development risks[72]. - The company is heavily reliant on the banking industry, making it vulnerable to changes in the economic environment and banking sector performance[72]. - The company emphasizes the importance of patent protection to maintain its competitive advantage in the market[32].