银之杰(300085) - 2021 Q2 - 季度财报

Financial Technology Services - The company reported a significant focus on financial technology services, expanding into personal credit, internet insurance, and financial big data, aiming to build a comprehensive financial ecosystem [6]. - The company has established a comprehensive strategic development layout in the financial technology service sector, focusing on innovation through financial IT, Internet+, big data, and artificial intelligence [47]. - The company is committed to enhancing the efficiency of financial institutions in serving the real economy, driving innovation in financial products, service channels, and profit models [47]. - The company is exploring new business models and service areas to solidify its core operations in financial technology [6]. - The company has a strong market position in the financial information technology sector, serving over 360 banks across 31 provinces in China, covering approximately 45% of the total bank outlets nationwide [69]. - The company's financial information technology business is driven by the rapid development of new technologies such as AI, blockchain, and big data, leading to increased demand for core system upgrades and digital transformation in banks [70]. - The company has established a comprehensive financial ecosystem, extending its main business from financial information technology to digital finance and e-commerce [101]. Financial Performance - The company's operating revenue for the first half of 2021 was ¥618,605,106.54, representing a 5.04% increase compared to the same period last year [36]. - The net profit attributable to shareholders was -¥38,093,317.64, a decrease of 175.94% year-on-year [36]. - The net cash flow from operating activities was -¥97,532,192.58, reflecting a decline of 331.76% compared to the previous year [36]. - The total assets at the end of the reporting period were ¥1,940,877,258.19, down 7.85% from the end of the previous year [36]. - The net assets attributable to shareholders decreased to ¥1,312,816,727.92, a reduction of 3.86% compared to the previous year [36]. - The company reported a basic earnings per share of -¥0.0539, a decrease of 176.41% year-on-year [36]. - The weighted average return on net assets was -2.83%, a decline of 1.81 percentage points compared to the previous year [36]. - Operating profit was -43.04 million yuan, a year-on-year decrease of 232.72% [49]. - Revenue from financial information technology business was 51.56 million yuan, a year-on-year decrease of 25.52% [50]. - Revenue from mobile information services was 328.74 million yuan, a year-on-year decrease of 1.54% [50]. - E-commerce service revenue was 238.31 million yuan, a year-on-year increase of 28.24% [51]. Investment and Funding - The company plans to raise funds through a private placement to adapt to the rapid changes in industry trends and market environments, focusing on digital transformation solutions for banks and the industrialization of smart banking equipment [141]. - The company has committed 10,400 million CNY to entrusted financial management, with an outstanding balance of 10,000 million CNY, and no overdue amounts reported [143]. - The company has temporarily used ¥100,000,000.00 of idle raised funds for cash management during the reporting period [121]. - The total amount of raised funds was ¥344,892,058.34, with ¥11,681,790.00 already invested in projects [123]. - The company has established risk control measures for foreign exchange hedging to mitigate market and credit risks [148]. Operational Challenges - The company faced risks related to short-term profitability due to high initial investments in new business areas, which may impact overall profitability in the near term [6]. - The company is facing operational funding shortages as it expands its new business segments, necessitating improved management of accounts receivable and cash flow [158]. - The company acknowledges the risks associated with its strategic investments and is taking measures to control investment progress and reduce risks [7]. - The company reported a significant decrease in investment income, with a loss of -¥2,572,253.65 compared to a profit of ¥4,270,360.70 in the previous year, marking a decline of 160.24% [108]. Subsidiaries and Market Position - The company is actively integrating its subsidiaries to enhance market competitiveness and maintain stable profitability [12]. - The company’s subsidiary, Yimei Softcom, has established a strong reputation in the mobile information service industry, serving over 700 million mobile users and maintaining a dual AAA credit rating [79]. - The company has established seven direct subsidiaries across China, expanding its service network to cover over 500,000 enterprise clients in more than 30 industries [81]. - The company has a diverse client base, including major firms like Alibaba, Citic Bank, and Huawei, enhancing its competitive advantage in the mobile information service market [79]. Compliance and Governance - The company emphasizes compliance with laws and regulations, ensuring transparency and effective communication with investors [175]. - There were no non-operating fund occupations by controlling shareholders or related parties during the reporting period [179]. - The company reported no violations regarding external guarantees during the reporting period [180]. - The semi-annual financial report has not been audited [181]. - There were no significant litigation or arbitration matters during the reporting period [185]. - The company did not experience any penalties or rectification situations during the reporting period [186].