HXCX(SZ:300300)2022-12-08 01:34Group 1: Company Overview and Strategy - The company aims to build an internet financial control platform based on industry, rooted in asset packages like smart cities and sponge cities [4] - The transition from a focus on smart city construction to a dual model of "industry + finance + internet" began in May 2015 [4] - The company plans to establish a comprehensive financial internet application matrix and engage in strategic investments and acquisitions [4] Group 2: Financial Services and Performance - Microloan platform Microdai.net serves small and micro enterprises, with 95% of these businesses unable to access financial loans from banks [5] - The projected transaction volume for Microdai.net is around 40 billion RMB for the next year, with a service fee rate expected to reach an annualized 20% [5] - The current bad debt rate for Microdai.net is approximately 0.2% [5] Group 3: Financial Products and Risk Management - The company is actively pursuing financing leasing as its first step towards a full internet financial license [4] - Financing leasing is seen as a low-risk opportunity due to its unique sales functions and the ability to manage accounts receivable [5] - The company employs a top-down marketing approach to determine industry focus and utilizes commercial bank risk control methods for project management [5] Group 4: Shareholder Support and Future Outlook - The actual controller of the company has never reduced their holdings since the IPO and has actively participated in non-public offerings [5] - The company is expected to receive contributions from its financial services in the upcoming financial reports [6] - The company is also working on obtaining personal credit licenses and has made significant progress in this area [6]