CMES(SH:601872) Zheng Quan Zhi Xing·2025-08-27 16:40Group 1 - The financial company was established on May 17, 2011, with a registered capital of RMB 5 billion, where China Merchants Group and China Ocean Shipping Group contributed RMB 2.55 billion and RMB 2.45 billion, respectively [1] - The financial company's business scope includes accepting deposits, providing loans, bill discounting, and offering financial advisory services among others [1] - As of June 30, 2025, the financial company reported total assets of RMB 47.784 billion, total equity of RMB 6.592 billion, and a net profit of RMB 116 million [11][12] Group 2 - The financial company has established a governance structure including a shareholders' meeting, board of directors, and supervisory board, with clear responsibilities for risk management [2] - A comprehensive risk management system is in place, including a risk management department and internal audit department to oversee business activities [2][9] - The financial company has implemented a three-tier monitoring system for settlement business, ensuring operational integrity and risk control [6][7] Group 3 - The financial company adheres to strict credit management, requiring a unified credit review process and risk assessment before granting loans [8] - Various risk control measures are in place for different types of loans, including collateral and guarantees based on the borrower's risk profile [8][9] - The financial company has a robust internal audit system that conducts regular evaluations of business activities and internal controls [9][11] Group 4 - The financial company meets regulatory requirements with a capital adequacy ratio of 19.12%, liquidity ratio of 52.97%, and a loan ratio of 56.52% as of June 30, 2025 [12] - The company has no external liabilities, indicating a strong financial position [12] - The financial company has established a comprehensive internal control system that effectively manages risks associated with its operations [11][14]