YCIG(SH:600345) Zheng Quan Zhi Xing·2025-08-27 16:30Core Viewpoint - The report evaluates the ongoing risks associated with Xinke (Beijing) Financial Co., Ltd., highlighting its operational qualifications, internal control systems, and compliance with regulatory requirements [1][20]. Group 1: Company Overview - Xinke Financial Co., Ltd. was established on November 22, 2011, with a registered capital of 1 billion yuan, wholly owned by China Information Communication Technology Group Co., Ltd. [1] - The company operates as a non-bank financial institution approved by the National Financial Supervision Administration [1]. Group 2: Business Scope - The company engages in various financial services, including accepting deposits, providing loans, bill discounting, and financial consulting for member units [2]. Group 3: Internal Control Structure - Xinke Financial has established a modern corporate governance structure with clear responsibilities among shareholders, the board of directors, and management [2][5]. - The company has a risk control committee and a loan review committee to oversee risk management and credit policies [5][6]. Group 4: Risk Management - The company has implemented comprehensive internal control systems and risk management procedures tailored to different business activities [6][18]. - As of June 30, 2025, the company reported total assets of 7.703 billion yuan and a net profit of 0.04 billion yuan, indicating a stable financial position [18]. Group 5: Regulatory Compliance - All regulatory indicators, including capital adequacy ratio and liquidity ratio, meet the requirements set by the relevant financial regulations [18][19]. - The company has not identified any significant deficiencies in risk management or violations of the Enterprise Group Financial Company Management Measures [20].