PDH(SH:600048) Zhong Guo Jing Ying Bao·2025-05-13 14:39Core Viewpoint - The article discusses the role of Poly Financial Company in supporting the real estate sector amid a series of government policies aimed at stabilizing the housing market, highlighting its significant contributions to financing and project delivery [1][2]. Group 1: Company Overview - Poly Group's real estate business contributes over 70% to its overall revenue and more than 80% to its profits [2]. - Poly Financial Company, established in 2008, serves as the internal bank for Poly Group, focusing on centralized fund management and improving fund utilization efficiency [2]. Group 2: Financial Performance - Since its inception, Poly Financial Company has issued loans totaling 116.3 billion yuan, with an annual growth rate of 36% [2]. - In 2024, the average daily scale of real estate loans reached 29.1 billion yuan, reflecting a year-on-year increase of 35%, significantly surpassing the average growth rate of social real estate loans [2]. Group 3: Risk Management and Compliance - Poly Financial Company has maintained a zero non-performing asset record for 17 consecutive years, emphasizing its commitment to compliance and risk management [4]. - The company has not faced regulatory penalties since its establishment, indicating a strong compliance framework [4]. Group 4: Innovation and Future Plans - The company is innovating in financing channels, including conducting operational property mortgage loans worth 1.55 billion yuan to support asset revitalization [3]. - Future plans include accelerating financial digital transformation and enhancing the application of big data and artificial intelligence to improve service precision and efficiency [4].