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蓝科高新: 甘肃蓝科石化高新装备股份有限公司关于对国机财务有限责任公司2025年半年度风险持续评估报告
Zheng Quan Zhi Xing· 2025-08-27 11:24
Core Viewpoint - The report evaluates the risk management and operational status of Guojin Finance Co., Ltd., highlighting its compliance with regulations and effective internal control systems. Group 1: Basic Information of Guojin Finance - Guojin Finance was established in September 2003 and is a non-bank financial institution with a registered capital of 1.75 billion yuan [1] - The company operates under a business license that includes financial and financing advisory services, credit verification, and related consulting and agency services [2] Group 2: Internal Control Overview - Guojin Finance has established a comprehensive internal control system, ensuring clear responsibilities among its governance bodies, including the board of directors and various committees [3][4] - The internal control framework follows principles such as separation of incompatible duties, authorization, budget control, and independent auditing [4][5] Group 3: Operational and Risk Management Status - As of June 30, 2025, Guojin Finance reported total assets of approximately 5.08 billion yuan, total liabilities of about 2.42 billion yuan, and net assets of approximately 436.73 million yuan [8] - The company achieved an operating income of approximately 56.70 million yuan and a net profit of about 11.15 million yuan during the same period [8] Group 4: Regulatory Compliance - Guojin Finance meets all regulatory financial indicators, including a capital adequacy ratio of 12.16%, which exceeds the minimum requirement of 10.5% [10] - The liquidity ratio stands at 47.45%, well above the required 25%, and the loan balance is within the permissible limits relative to deposits and paid-in capital [10][11] Group 5: Company’s Financial Transactions with Guojin Finance - As of June 30, 2025, the company had deposits of approximately 91.04 million yuan in Guojin Finance, accounting for 66.63% of its total deposits [12] - The company's loan balance with Guojin Finance was approximately 11 million yuan, representing 44% of its total loans [12] Group 6: Risk Assessment Opinion - The company concludes that Guojin Finance possesses valid financial licenses and has established a robust internal control system to manage risks effectively [12] - No significant deficiencies in risk management have been identified, and the financial transactions between the company and Guojin Finance are currently without risk issues [12]