Borrowers and Receivables - The total number of borrowers in the financial technology services business as of December 31, 2023, was 69,818[9] - The total amount of receivables as of December 31, 2023, was approximately HKD 1,682,500,000, including HKD 302,400,000 from small loan business and HKD 1,380,100,000 from supply chain financing business[9] - The receivables from the top five borrowers (all from supply chain financing business) amounted to approximately HKD 210,200,000, accounting for about 12.5% of the total receivables and approximately 1.6% of the company's total assets as of December 31, 2023[9] Interest Rates and Credit Losses - The actual annual interest rate for receivables typically ranges from 4% to 24%[9] - The company recorded credit impairment losses on receivables of approximately HKD 54,700,000 and wrote off receivables of approximately HKD 67,600,000 for the year ended December 31, 2023[10] Small Loan Business - The small loan business targets individuals with small loan financial needs, with loan amounts generally ranging from RMB 2,000 to RMB 50,000 and loan terms ranging from 3 to 12 months[3] Supply Chain Financing Business - The supply chain financing business targets enterprises, with loan terms generally ranging from one month to twelve months[7] - The company maintains a database of potential clients, primarily large enterprises with high credit ratings and strong financial strength[7] Risk Management and Credit Evaluation - The company has implemented post-loan risk management policies for both small loan and supply chain financing businesses to ensure timely repayment and manage credit risks[4][8] - The company uses a comprehensive credit evaluation process for both small loan and supply chain financing businesses, including real-name authentication, income verification, and creditworthiness assessment[3][6]
高阳科技(00818) - 2024 - 年度业绩