金证股份2024年度业绩说明会问答实录

Core Viewpoint - The company emphasizes its commitment to shareholder returns through cash dividends and focuses on its core business areas of financial technology, particularly in wealth technology, asset management technology, and proprietary technology, while also exploring AI and innovative fields to drive industry digital transformation [2][3][19]. Financial Performance - The company has distributed a total cash dividend of approximately 83.17 million yuan over the last three accounting years, representing 57.21% of the average annual net profit [2]. Strategic Focus - The company aims to align its future development strategy with national policies, concentrating on financial technology and enhancing its core business areas while actively engaging in AI and other cutting-edge technologies [3][16]. - The proprietary technology is identified as a crucial growth engine, with a focus on developing a comprehensive product system to support financial institutions [4][8]. AI and Technology Development - The company has made significant investments in AI, launching key products such as K-GPT and K-CODE, and plans to continue expanding its AI solutions across various business scenarios [6][13]. - The internal deployment of the K-CODE model has shown improvements in code generation efficiency [10]. Market Position and Competition - The new generation FS2.5 core system has been successfully implemented in leading securities firms, demonstrating superior performance in client testing [5]. - The proprietary technology products have secured multiple projects with major financial institutions, indicating a solid market presence [8]. Business Adjustments - The company plans to gradually reduce its involvement in non-financial businesses, focusing on its core financial technology sectors [7][19]. - The company is actively optimizing its operational strategies and has made adjustments to its product lines to enhance overall management efficiency [9]. Future Outlook - The company is optimistic about the long-term growth of the financial technology sector, driven by national strategies and regulatory support for digital transformation in the capital market [16]. - In 2025, the company intends to increase R&D investments and strengthen its core business operations while leveraging opportunities in AI and financial technology [17].