Loan Portfolio - As of June 30, 2022, the group had 25 borrowers, including 21 individuals and 4 corporate borrowers, with a total of 25 outstanding loans[7]. - The outstanding balance of loans ranged from approximately HKD 300,000 to HKD 6,800,000, with annual interest rates between 5.0% and 18.0%[7]. - The top five borrowers accounted for 30.47% of the total principal amount of the group's loan portfolio and 30.90% of the accounts receivable, including interest[10]. - A total of 23 outstanding loans were issued by Dahui City to 20 individual borrowers and 3 corporate borrowers, with 13 of these loans secured by personal guarantees from independent third parties[9]. Loan Approval Process - The group does not have a specific target loan size but evaluates applications based on their merits, determining the need for collateral on a case-by-case basis[5]. - The loan approval process includes collecting documentation, assessing repayment ability and creditworthiness, and board discussions for final approval[14]. - The group’s lending services are primarily short-term loans with a maturity of less than one year[5]. Risk Management - The management team possesses significant experience in financial management and corporate financing, providing a competitive advantage in the lending business[10]. - The group employs external legal advisors to ensure compliance with regulations and to provide training on risk management and appropriate conduct in lending operations[11]. - 达慧城认为其违约风险极低，基于多项信贷风险评估程序[18]. - 长城对贷款申请人进行信贷风险评估，包括客户识别和还款能力评估[17]. - 长城财务部负责监测贷款还款情况，并定期与借款人沟通以了解其还款能力[22]. - 达慧城的风险管理经理通过每月信用检查持续监测借款人的信用状况[23]. - 若借款人未按协议还款，长城董事会将审阅还款时间表并决定必要行动[24]. - 达慧城在借款人未还款的情况下，会向董事会报告并讨论收回贷款的必要措施[26]. Compliance and Regulations - 长城根据借款人的信用和市场利率等因素，确保贷款协议条款公平合理[19]. - 达慧城的贷款协议条款符合中国人民银行的贷款政策，且不超过一年期贷款优惠利率的400%[20]. - 本公告的资料遵循GEM上市规则，确保信息的准确性和完整性[27].
丝路能源(08250) - 2022 Q4 - 年度财报