Revenue and Loan Scale - The total revenue of the financial company at the end of 2021 was RMB 676.2 million, accounting for approximately 0.91% of the group's consolidated revenue[1] - The total loan scale provided by the financial company in 2021 was RMB 1.953 billion, strictly controlled within the annual limit approved by shareholders[2] - Four customers had loan balances exceeding 10% of the total loan balance, involving a total loan scale of RMB 1.249 billion[2] - The top five customers accounted for approximately 73.77% of the total loan scale of the financial company at the end of 2021[2] Loan Portfolio Composition - As of the end of 2021, guaranteed loans and secured loans accounted for approximately 62.89% and 16.93% of the total loan portfolio, respectively[2] Loan Performance and Risk - The loan impairment provision balance at the end of 2021 was RMB 48,869,823.05, an increase of RMB 1,947,665.82 compared to the end of 2020[3] - All loans issued by the financial company were recoverable on time, with no overdue loans reported[5] Interest Rates and Credit Assessment - The financial company's loan interest rates ranged from 3.3% to 6.003% in 2021[2] - The financial company's credit risk assessment is conducted by a credit review committee composed of five members with backgrounds in finance, risk compliance, and law[4] Loan Collection Procedures - The financial company has established a loan collection procedure that includes normal maturity loans and overdue loan collection[5]
重庆机电(02722) - 2022 - 年度财报