厦门空港: 厦门空港关于厦门翔业集团财务有限公司2025年半年度风险评估报告

Group 1 - The financial company is a wholly-owned subsidiary of Xiamen Xiangye Group Co., Ltd., established in July 2016, and operates as a non-bank financial institution approved by the National Financial Supervision Administration [1] - The financial company's business scope includes accepting deposits, providing loans, bill discounting, fund settlement, and various financial advisory services [1] - As of June 30, 2025, the financial company reported total assets of 7.707 billion yuan and net profit of 39.87 million yuan, with zero non-performing assets and loans [6][8] Group 2 - The financial company has established a robust internal control environment with a governance structure that includes a board of directors, supervisory board, and senior management [2][3] - A total of 155 internal control systems have been developed, covering various aspects of governance, financial management, and risk compliance [4] - The risk management framework includes a three-line defense model, focusing on governance structure, business management, and audit functions [7] Group 3 - The financial company employs a unified credit management system for its lending activities, primarily serving internal group members, with a focus on risk control measures [5][8] - The company has implemented a comprehensive liquidity risk management strategy, maintaining a high liquidity ratio as of June 30, 2025 [9] - The financial company has not encountered any significant operational or compliance risks, with all regulatory indicators meeting the required standards [10][13] Group 4 - The financial company has a low inherent money laundering risk due to its focus on traditional banking services and the absence of high-risk activities [12] - The company has established a reputation risk management framework, ensuring no reputation risk events have occurred as of June 30, 2025 [11] - Internal audits are conducted regularly to enhance the effectiveness of internal controls and address any identified issues [12]