Core Viewpoint - The risk assessment report for Jizhong Energy Group Financial Co., Ltd. indicates that the company has established a robust risk management framework and complies with regulatory requirements, ensuring its operational legitimacy and financial stability [1][2][5]. Company Overview - Jizhong Energy Group Financial Co., Ltd. was established in 1998 with a registered capital of 5.5 billion RMB, following a strategic restructuring in 2009 [2][3]. - The company has undergone several capital increases, with the current registered capital reaching 5.5 billion RMB [4][14]. Compliance and Risk Control - The company has not violated any regulations set by the China Banking and Insurance Regulatory Commission [2]. - A significant loan balance to a single shareholder exceeds the registered capital, which has been reported to the National Financial Supervision Administration [2][15]. - The company has implemented a comprehensive internal control system, including a board-led governance structure and various specialized departments for risk management [5][12]. Financial Performance - As of June 30, 2025, the company reported total assets of 20.29 billion RMB and total liabilities of 14.23 billion RMB, with a net profit of 131 million RMB for the first half of 2025 [13]. - Key regulatory indicators include a capital adequacy ratio of 30.54%, a liquidity ratio of 65.78%, and a loan balance ratio of 79.13% [13][14]. Business Operations - The company offers a range of financial services, including deposit acceptance, loan processing, and financial consulting, primarily to its member units [5][8]. - The credit business is limited to members of the Jizhong Energy Group, with a unified credit management system in place [8][9]. Risk Management Practices - The company has established various management measures to mitigate operational risks, including strict account management and compliance with deposit and loan regulations [7][8]. - An independent credit risk management department oversees the credit approval process, ensuring a clear separation of duties [9][10]. Internal Audit and Information Technology - The company has a dedicated internal audit department that conducts regular audits to ensure compliance and identify areas for improvement [10][11]. - Significant investments have been made in information technology to enhance risk control capabilities and ensure business continuity [11][12].
冀中能源: 冀中能源集团财务有限责任公司二O二五年六月三十日风险评估审核报告