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华大九天: 关于中国电子财务有限责任公司风险评估专项审计报告

Core Viewpoint - The audit report indicates that China Electronic Finance Co., Ltd. has effectively established and implemented a risk management system related to its financial statements, including funding, credit, investment, auditing, and information management as of June 30, 2025 [1][33]. Company Overview - China Electronic Finance Co., Ltd. was established as a national non-bank financial institution and began operations in 2001, with a registered capital of 1.901 billion RMB, which was later increased to 2.5 billion RMB after a capital increase [5][6]. - The company underwent a merger with Zhuhua Group Finance Co., Ltd. and opened a branch in Guizhou in May 2023 [5][6]. Risk Management System - The company has developed a comprehensive risk management system, including internal control measures and risk assessment procedures, to ensure effective governance and operational integrity [9][10]. - The internal control structure is designed to separate responsibilities among various governance bodies, including the shareholders' meeting, board of directors, and supervisory board [9]. Financial Performance - As of June 30, 2025, the company reported bank deposits of 18.666 billion RMB, net interest income of 257 million RMB, and a net profit of 161 million RMB [20][33]. - The company maintains a capital adequacy ratio of 12.75%, which exceeds the regulatory minimum requirement [20]. Compliance with Regulatory Requirements - The company adheres to the regulatory requirements set forth by the China Banking and Insurance Regulatory Commission, including maintaining liquidity ratios and limits on loan balances relative to deposits [20][21]. - The company has established various internal policies and procedures to ensure compliance with financial regulations and effective risk management [30][31].