JJIT(SH:900929) Zheng Quan Zhi Xing·2025-08-29 17:57Core Viewpoint - The report evaluates the financial risk management and operational status of Jin Jiang International Group Finance Co., Ltd., highlighting its compliance with regulatory standards and effective internal control systems [1][9]. Group 1: Basic Information of the Financial Company - Jin Jiang International Group Finance Co., Ltd. is a non-bank financial institution established in October 1997 with a registered capital of 1 billion RMB [1]. - The company's ownership structure includes Shanghai Jin Jiang Capital Co., Ltd. holding 85.50%, Jin Jiang International (Group) Co., Ltd. holding 9.50%, and Shanghai Jin Jiang Hotel Co., Ltd. holding 5.00% [1]. Group 2: Internal Control and Risk Management - The financial company has established a comprehensive risk management system and internal control environment, ensuring safe and stable operations [2][4]. - Internal control measures include a clear organizational structure, risk governance framework, and various management systems covering settlement, credit, and compliance [2][3]. - The company conducts regular internal audits and risk education to enhance risk awareness among employees [3][4]. Group 3: Financial Performance and Risk Indicators - As of June 30, 2025, the financial company reported total assets of approximately 1.07 billion RMB, total equity of approximately 36.16 million RMB, and a net profit of approximately 13.07 million RMB [6]. - Key regulatory indicators include a capital adequacy ratio of 22.09%, a non-performing asset ratio of 0%, and a liquidity ratio of 68.27%, all exceeding regulatory requirements [7]. Group 4: Company’s Financial Activities - The company has established a financial service framework agreement with the financial company, allowing for a maximum of 226.29 million RMB in entrusted loans to subsidiaries, with a service fee not exceeding 0.10% [8]. - As of June 30, 2025, the company had no deposits or loans with the financial company, but had a loan balance of 20 million RMB and deposits of approximately 122.15 million RMB with other banks [8]. Group 5: Overall Risk Assessment - The financial company operates under a valid financial license and has maintained good operational performance, with a well-established internal control system to manage risks effectively [9].