证券代码：300674 证券简称：宇信科技 公告编号：2026-001 北京宇信科技集团股份有限公司 关于2025年第二期员工持股计划非交易过户完成的公告 一、第二期员工持股计划的股票来源及规模 1、第二期员工持股计划涉及的标的股票来源 第二期员工持股计划的股份来源为公司回购股份专用证券账户的公司A股 普通股股票。 本次员工持股计划非交易过户前，公司回购股份专用证券账户的持股数量为 4,573,156股，占公司总股本的0.65%。 本公司及董事会全体成员保证公告内容真实、准确和完整，不存在任何 虚假记载、误导性陈述或者重大遗漏。 北京宇信科技集团股份有限公司（以下简称"公司"）于 2025 年 9 月 26 日、 2025 年 10 月 13 日分别召开了第四届董事会第八次会议及 2025 年第三次临时股 东会，审议通过了《关于<北京宇信科技集团股份有限公司 2025 年第二期员工持 股计划（草案）>及其摘要的议案》《关于<北京宇信科技集团股份有限公司 2025 年第二期员工持股计划管理办法>的议案》等相关议案，具体内容详见公司于 2025 年 9 月 26 日、2025 年 10 月 13 日在巨潮资讯网（ ...

1月12日，宇信科技涨5.04%，截至发稿，报25.23元/股，成交4.43亿元，换手率2.55%，总市值177.63亿 元。 资料显示，北京宇信科技集团股份有限公司位于北京市朝阳区酒仙桥东路9号院电子城研发中心A2楼东 5-6层,北京市朝阳区建国门外大街1号国贸大厦A座2601室,香港湾仔皇后大道东248号大新金融中心40 楼，成立日期2006年10月19日，上市日期2018年11月7日，公司主营业务涉及从事向以银行为主的金融 机构提供包括咨询、软件产品、软件开发和实施、运营维护、系统集成等信息化服务。主营业务收入构 成为：银行IT解决方案84.94%，非银IT解决方案10.56%，创新业务4.34%，其他(补充)0.16%。 从基金十大重仓股角度 数据显示，长信基金旗下1只基金重仓宇信科技。长信中证1000指数增强A（018013）三季度持有股数 15.25万股，占基金净值比例为0.85%，位居第七大重仓股。根据测算，今日浮盈赚取约18.45万元。 长信中证1000指数增强A（018013）成立日期2023年4月20日，最新规模3.2亿。今年以来收益6.65%， 同类排名1428/5579；近一年收益63 ...

Core Viewpoint - Yuxin Technology (300674) is a leading financial technology solution provider in China, deeply involved in the development of the digital RMB system, covering the entire chain from issuance to operation and consumption [1] Group 1: Company Involvement in Digital RMB - The company has participated in the digital RMB system construction since its 1.0 phase, collaborating with major state-owned banks and small to medium-sized banks [1] - Yuxin Technology has developed a comprehensive system for the digital RMB, including front-end app functionality, middle-end systems, and back-end clearing processes, accumulating successful case studies in key payment areas [1] Group 2: Technical Capabilities and Project Experience - The company possesses complete project experience and technical reserves in the digital currency field, including cross-border applications, with mature practical capabilities in core areas such as smart contracts and account system integration [1] - Yuxin Technology is transitioning its marketing planning capabilities for banking financial products to the operation design and execution of digital RMB smart contracts, supporting operational institutions in achieving sustainable and assessable scenario innovations [1]

证券日报网讯1月6日，宇信科技（300674）在互动平台回答投资者提问时表示，截至2025年12月31日， 公司含信用账户股东总户数为72375户。 ...

Core Viewpoint - The recognition of Yuxin Technology as an "Investment Value Listed Company" at the "Qihang·2025 Financial Summit" reflects its strong market performance and potential for long-term growth in the context of the financial industry's digital transformation [1][3]. Group 1: Award Significance - The "Jinzhi Award" aims to establish benchmarks for high-quality development, evaluating over 8,000 companies based on social responsibility, industrial contribution, investment returns, growth prospects, innovation efficiency, and brand excellence [3]. - Yuxin Technology's award signifies its comprehensive and balanced excellence under a rigorous evaluation system, highlighting its capital value and development potential [3]. Group 2: Company Strengths - Yuxin Technology has over 20 years of experience in the banking IT sector, focusing on financial digital transformation, which has contributed to its robust market position and revenue resilience [3][5]. - The company has built a comprehensive business system covering consulting, software, services, and operations, maintaining a leading client coverage rate in the banking industry for over a decade [3][5]. Group 3: Technological Innovation and Market Opportunities - The national implementation of the "Artificial Intelligence+" initiative positions Yuxin Technology to capitalize on the deepening financial digital transformation, particularly in areas like credit risk control and marketing services [5]. - Yuxin Technology's AI products and solutions have been widely adopted by various banking institutions, demonstrating its ability to convert cutting-edge technology into practical business value, which is a core competitive advantage [5][6]. Group 4: Future Outlook - The award is not only a recognition of past achievements but also a hopeful outlook for the future, emphasizing the need for the financial industry to actively promote AI applications and strengthen collaboration between financial institutions and technology companies [5][6]. - Yuxin Technology plans to continue focusing on its core business, enhancing technological innovation, and expanding its business boundaries, aligning with the long-term trends of increased digital and intelligent infrastructure investment in the financial sector [6][8].

Core Viewpoint - Yuxin Technology is attempting to relist on the Hong Kong Stock Exchange after its previous prospectus expired, aiming to raise funds for global expansion and enhance its international competitiveness while focusing on advanced technologies in the financial sector [1][13]. Financial Performance - The company reported a revenue decline from 51.99 billion RMB in 2022 to 39.54 billion RMB in 2024, marking a significant drop of 23.94% year-on-year [2][14]. - In the first three quarters of 2025, revenue continued to decline by 6.99% compared to the previous year [2][14]. - The net profit increased from 2.53 billion RMB in 2022 to 3.8 billion RMB in 2024, but this growth is questioned as it is primarily attributed to strict cost control measures, including significant layoffs [5][17]. Employee and Cost Management - The total number of employees decreased from 13,148 in 2022 to 9,584 in the first three quarters of 2025, with a notable reduction of technical staff from 10,281 to 9,114 [5][17]. - The company's strategy of reducing costs through layoffs raises concerns about its sustainability and potential impact on innovation and talent retention [7][19]. Cash Flow and Financial Health - As of September 30, 2025, the company reported a net cash outflow of 368 million RMB from operating activities, indicating potential financial strain [12][24]. - The company acknowledged the uncertainty of generating positive cash flow in the future, which could limit its operational capacity [12][24]. Market Dependency and Risks - Revenue from the top five clients consistently accounted for over 42% of total income, primarily from large banks, making the company vulnerable to changes in their IT budgets [4][16]. - The banking sector is facing pressure from narrowing net interest margins, leading to cautious technology investments and reducing reliance on third-party service providers like Yuxin Technology [4][16]. Research and Development - R&D expenses have been declining, with figures of 5.68 billion RMB in 2023, 4.3 billion RMB in 2024, and 2.76 billion RMB in the first three quarters of 2025, reflecting a year-on-year decrease of 24.33% and 11.19% respectively [8][20]. - Despite the company's emphasis on AI and global expansion, the reduction in R&D spending raises concerns about the feasibility of these strategic initiatives [20].

1月5日，宇信科技跌1.20%，成交额6.28亿元。两融数据显示，当日宇信科技获融资买入额9943.30万 元，融资偿还8609.16万元，融资净买入1334.14万元。截至1月5日，宇信科技融资融券余额合计9.68亿 元。 融资方面，宇信科技当日融资买入9943.30万元。当前融资余额9.65亿元，占流通市值的5.72%，融资余 额超过近一年50%分位水平，处于较高位。 融券方面，宇信科技1月5日融券偿还0.00股，融券卖出2.65万股，按当日收盘价计算，卖出金额63.52万 元；融券余量11.07万股，融券余额265.35万元，超过近一年70%分位水平，处于较高位。 资料显示，北京宇信科技集团股份有限公司位于北京市朝阳区酒仙桥东路9号院电子城研发中心A2楼东 5-6层,北京市朝阳区建国门外大街1号国贸大厦A座2601室,香港湾仔皇后大道东248号大新金融中心40 楼，成立日期2006年10月19日，上市日期2018年11月7日，公司主营业务涉及从事向以银行为主的金融 机构提供包括咨询、软件产品、软件开发和实施、运营维护、系统集成等信息化服务。主营业务收入构 成为：银行IT解决方案84.94%，非银IT解决 ...

Group 1 - On January 4, a total of 7 companies were investigated by institutions, with 6 companies being surveyed by funds, highlighting a significant interest in certain firms [1] - Among the companies surveyed, Jingji Zhino (京基智农) attracted the most attention, with 23 funds participating in the investigation, followed by Tianyang Technology (天阳科技) with 21 funds and Yuxin Technology (宇信科技) with 14 funds [1] - The surveyed companies included 3 from the Shenzhen main board and 3 from the ChiNext board, indicating a diverse representation across different market segments [2] Group 2 - The total market capitalization of the surveyed A-share companies included 2 firms with a market value of less than 10 billion yuan, specifically Shanjiji Technology (熵基科技) and Jingji Zhino (京基智农) [3] - In terms of market performance, 5 out of the surveyed stocks increased in value over the past 5 days, with Jingji Zhino leading at a rise of 23.94%, followed by Shanjiji Technology at 13.77% and Jingbeifang (京北方) at 11.09% [3] - Notably, Jingbeifang experienced a net inflow of 216 million yuan in funds over the past 5 days, indicating strong investor interest, while Yuxin Technology and Jingji Zhino also saw significant net inflows of 103 million yuan and 67.98 million yuan, respectively [3]

Group 1: Digital Currency Development - The "Action Plan" marks a key step in the transition of digital RMB from M0 to M1, addressing the constraints on commercial banks' large-scale use of digital currency [2] - The new regulations remove barriers, allowing commercial banks to innovate more actively within the digital RMB framework [2][4] Group 2: Technological Innovations - The upgrade of digital RMB involves a systematic iteration of its underlying architecture, incorporating blockchain and smart contracts to facilitate large-scale applications [4] - The introduction of interest-bearing features and smart contracts represents a new form of "programmable legal currency," expanding the definition and functionality of money [5] Group 3: Banking Operations Transformation - The integration of digital RMB and smart contracts is expected to transform banking operations, enabling banks to escape homogeneous competition and deeply integrate with various scenarios [6] - Smart contracts can serve as precise economic tools, facilitating efficient fund distribution and enhancing policy execution [6] Group 4: Company Strategy and Market Opportunities - Yuxin Technology has accumulated practical experience in the digital RMB field and views the upgrade as a fusion of traditional Web2 financial systems with a smart contract-driven Web3 ecosystem [7] - The company is transitioning from a system builder to an operational participant, leveraging opportunities in both domestic and international markets [8][10] Group 5: Future Applications and Market Potential - The overseas market for digital RMB presents significant opportunities, particularly in emerging markets like Southeast Asia and Africa, where system construction and operational collaboration are viable [9] - The operational model of digital RMB is evolving towards a collaborative, template-driven approach, enhancing the scope of smart contract applications [12]

Core Viewpoint - The People's Bank of China has introduced an action plan to strengthen the management and service system of digital RMB, with a full implementation set for January 1, 2026, marking a transition from digital cash to digital deposit currency [1] Group 1: Digital RMB Implementation - The new generation of digital RMB will be fully implemented by January 1, 2026, transitioning to a digital deposit currency era [1] - The digital RMB ecosystem aims to achieve interconnectivity and break down institutional barriers, significantly reducing business performance costs and enhancing fund utilization efficiency [1] Group 2: Smart Contracts and Technological Impact - Smart contract technology, supported by the digital RMB smart contract ecosystem service platform, provides standardized access for payment and clearing [1] - The application of smart contracts in digital currency can serve as an effective tool for government policy implementation, allowing for precise and efficient targeted support [1] - The use of smart contracts in credit can ensure funds are allocated for specific purposes, such as R&D, while blockchain technology enables real-time monitoring of enterprise data, reducing information asymmetry risks [1]