Shenzhen Huaqiang Industry Co.Ltd(000062)
On handling deposit and loan business in Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd
Continuous risk assessment report
In accordance with the requirements of the Listing Rules of Shenzhen Stock Exchange and the self regulatory guidelines for listed companies of Shenzhen Stock Exchange No. 7 - transactions and related party transactions, Shenzhen Huaqiang Industry Co.Ltd(000062) (hereinafter referred to as "the company") has passed the inspection of the financial license of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd. (hereinafter referred to as "the finance company") Business license of enterprise legal person and other documents, obtain and review regular financial reports including balance sheet, income statement and cash flow statement, and evaluate the business qualification, business and risk status of the financial company. Now the relevant risk evaluation is reported as follows:
1、 Basic information of finance company
Founded in May 2012, finance company is a non bank financial institution approved by Bank Of China Limited(601988) Industry Regulatory Commission.
Registered address: 304, 305 and 306, venture capital fund center, fund Town, No. 128, guiwan fifth road, Nanshan street, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen
Legal representative: Zhao Jun
Financial license institution code: l0150h244030001
Unified social credit Code: 91440 Rianlon Corporation(300596) 782962w
Registered capital: 1 billion yuan, 50% invested by Shenzhen Huaqiang Industry Co.Ltd(000062) Group Co., Ltd. (hereinafter referred to as "Huaqiang group") and Shenzhen Huaqiang Industry Co.Ltd(000062) Qianhai Technology Co., Ltd.
Business scope: handle financial and financing consulting, credit assurance and related consulting and agency business for member units; Assist member units to realize the receipt and payment of transaction funds; Approved insurance agency business; Provide guarantee to member units; Handle entrusted loans and entrusted investment between member units; Handle bill acceptance and discount for member companies; Handle the internal transfer settlement between member units and the corresponding settlement and clearing scheme design; Absorbing deposits from member units; Handle loans and financial leases for member units; Engage in interbank lending; Underwriting corporate bonds of member units; Investment in marketable securities (excluding investment in the secondary stock market) Bank Of China Limited(601988) other businesses approved by the Industry Regulatory Commission (the above business scope shall be operated with financial license).
2、 Basic information of internal control of finance company
(I) control environment
The finance company sets up the board of directors and the board of supervisors in accordance with the articles of association of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., and clearly stipulates the responsibilities of the board of directors, the board of supervisors, directors, supervisors and senior management in risk management. The internal organizational structure of the finance company is divided into decision-making body, executive body and supervision body. The decision-making body includes the board of directors, the risk management committee and the audit committee under the board of directors; The executive body includes the senior management, the credit approval committee, the investment approval committee, and six departments, including the planning and finance department, the settlement business department, the risk management department, the audit department, the capital business department and the comprehensive affairs department; The supervisory body is the board of supervisors. Among them, the board of directors, the board of supervisors, the risk management committee, the audit committee, the credit approval committee, the investment approval committee, the risk management department and the audit department jointly form a risk management organizational structure covering all levels of decision-making, implementation and supervision. The company has a sound corporate governance structure, standardized management and operation, and established an organizational structure with reasonable division of labor, clear responsibilities, mutual checks and balances and clear reporting relationship, which provides necessary preconditions for the effectiveness of risk management.
The organization chart of the finance company is as follows:
Responsibilities of each committee and department:
1. Risk Management Committee: review the company's authorization management system and management measures; Review various policies and systems of the company's risk management; Regularly review the company's risk control, the completion of various risk supervision indicators and risk KPI indicators, and put forward questions and accountability opinions to the company's management; Supervise the implementation of various policies, systems, strategies, processes and major measures of risk management by the company's management, and supervise the implementation of rectification of inquiry opinions; Listen to and review reports on major risk issues of the company, and listen to and review reports on major issues related to the company's internal control, audit management, risk assets review and so on; To consider various decision-making matters submitted to the meeting by the credit approval committee. The risk management committee is responsible to the board of directors of the company and has an office under it. The office is located in the risk management department and is responsible for daily supervision and management.
2. Audit Committee: supervise the company's internal audit system and its implementation; Propose to hire or replace external audit institutions and be responsible for the communication between internal audit and external audit; Review the company's operation, financial status, financial management level, the company's financial accounting policies and financial reporting procedures and the disclosure of financial information; Review the company's internal control system and review the implementation of the company's internal control system; Check and supervise the existing or potential risks of the company. The audit committee is responsible to the board of directors of the company and has an office under it. The office is located in the audit department and is responsible for daily audit, supervision and other work.
3. Credit Approval Committee: to approve the company's credit business. The credit approval committee is composed of the deputy general manager and the heads of risk management department, audit department, capital business department, settlement business department and other relevant departments. The credit approval committee is responsible to the general manager and has an office under it. The office is located in the risk management department and is responsible for the daily work liaison, meeting organization and resolution implementation of the credit approval committee.
4. Investment Approval Committee: all investment businesses of the company within the scope authorized by the board of directors shall be approved by the investment approval committee one by one. Any investment business beyond the scope authorized by the board of directors shall be reviewed by the investment approval committee and submitted to the board of directors for approval one by one.
5. Settlement business department: responsible for formulating the development plan and operating procedures of the company's settlement business, and organizing the implementation of accounting methods and operating procedures related to settlement; Be responsible for implementing and supervising the centralized fund management business of the enterprise to ensure the efficiency of fund use; Handle enterprise settlement business, deposit and loan accounting, as well as bank account management, and perform the company's anti money laundering functions and obligations; Double blank voucher management. 6. Capital business department: responsible for financing scheme planning, financing product design and new business development; Responsible for basic businesses such as credit and bill discount of member companies; Be responsible for the development of interbank business and investment business; Study the macro financial situation, apply for various business qualifications of the financial company, and promote the development of new business; Control operational risks and ensure timely and accurate submission of relevant regulatory materials; Strengthen the cooperation with other departments to ensure the completion of relevant assessment indicators of the company.
7. Planning and finance department: responsible for formulating the company's financial management and accounting system and standardizing the company's financial and accounting activities; Organize the work of the company's budget according to the company's annual business plan; Fund cashier, account book and account maintenance, accounting management and accounting, asset management and other daily business; Issuance of accounting statements and related reports, company performance analysis and information disclosure.
8. Risk management department: organize the research and formulation of the company's risk management policies, risk assessment standards, risk assessment techniques and relevant management systems; Be responsible for the post loan management of the company's credit business; Conduct real-time monitoring of the company's asset quality, organize asset risk classification, check, identify, evaluate, prevent and resolve the risks of various businesses of the company, and audit various businesses; Implement legal and compliance risk management, evaluate products, department systems, business processes, etc. and put forward suggestions.
9. Audit department: improve the internal audit system, ensure the implementation of national financial regulations, financial work guidelines and policies and various rules and regulations of the company, and regularly inspect and supervise the company's financial revenue and expenditure and other economic activities; Be responsible for supervising the implementation of the company's internal control system, organizing the study of relevant policies and systems, and supervising the implementation of various internal control systems; Put forward handling opinions on violations of rules, regulations and disciplines found in the audit work, and prevent relevant risks in advance.
10. General affairs department: responsible for the company's internal daily and administrative management, human resources, logistics services, information processing, file management and party affairs, as well as the construction and maintenance of internal settlement network and information system.
(II) risk identification and assessment
The finance company has formulated a sound internal control management system and risk management system, implemented an internal audit supervision system, established a risk management committee and audit committee responsible for the board of directors, and established a risk management department and audit department to supervise and audit the company's business activities. Each business department shall formulate corresponding standardized operation procedures, operation standards and risk prevention measures according to each business. Each department shall separate responsibilities and supervise each other, and predict, evaluate and control various risks in business operation. (III) control activities
1. Settlement business control
(1) Build internal control system for settlement business
In accordance with the rules and regulations stipulated by relevant state departments and the people's Bank of China, the finance company has formulated the operating procedures for accounting settlement business of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., the measures for the management of deposit business of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., and the measures for the management of accounts of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd Business management measures and business operation processes such as accounting subjects and instructions of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., measures for the management of acceptance bills of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., measures for the management of financial statistics of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., specify the operation specifications and control standards of various settlement and deposit businesses, and effectively control business risks.
(2) Ensure the safety of enterprise funds
In terms of deposit business, we will strictly follow the principles of equality, voluntariness, fairness and good faith, operate strictly within the normative authority issued by the CBRC, ensure the safety of enterprise funds and safeguard the legitimate rights and interests of all parties.
(3) Timely handle centralized fund management and internal transfer settlement business
The enterprise opens a settlement account in the financial company, submits instructions online by logging in the business management information system of the financial company and submits written instructions to the financial company to realize capital settlement, strictly ensure the safety, quickness and smoothness of settlement, and have high data security. The settlement department has bookkeeping posts and review posts to ensure timely and accurate bookkeeping and timely feedback of problems found. In order to reduce the risk, the finance company will hand over the check, the reserved bank financial seal and the reserved bank seal to different personnel in charge, and prohibit the use of the financial seal out of the unit.
2. Credit business control
(1) Build internal control system for credit business
The finance company has formulated the measures for the credit management of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd. and the measures for the management of entrusted loan business of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd. in accordance with the general principles of loans, the measures for the management of enterprise group finance companies and the relevant provisions of Bank Of China Limited(601988) Industry Regulatory Commission and the people's Bank of China Measures for the management of credit asset transfer of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., measures for the management of buyer (consumer) credit business of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd., measures for the management of working capital loan of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd A series of administrative measures such as the administrative measures for the discount, rediscount and rediscount of commercial bills of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd. At the same time, in order to effectively control the risk of credit business, the finance company has formulated corresponding operation procedures for relevant businesses.
(2) We will strictly implement the mechanism of separating examination and loan approval and hierarchical examination and approval
The finance company manages the credit business according to the principle of separation of loan approval and hierarchical approval. The decision-makers of the loan are the credit approval committee and the general manager. The risk management department is responsible for loan review, and the capital business department is responsible for loan application acceptance and investigation. After receiving the application of the borrower by the financial company, the risk management department carries out credit rating for the borrower, and the capital business department conducts a pre loan investigation to preliminarily evaluate the risk degree of the credit business to be undertaken, and determines the credit scheme for the borrower based on the borrower's credit rating and capital requirements. The risk management department shall review the compliance of the loan application, comprehensively analyze the loan related information, and submit the review opinions to the credit approval committee. The credit examination and approval committee shall make an examination and approval decision on the loan application and submit it to the general manager for final review, and the general manager shall issue a credit approval opinion. The risk management department and the capital business department respectively supervise and implement the approval resolutions of the credit approval opinions, and the capital business department is responsible for implementing the loan conditions.
(3) Post loan inspection
The finance company has formulated the measures for the five level classification management of assets of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd. and other measures. The risk management department evaluates the quality of credit assets according to the classification results of credit assets, tracks and manages credit risks, timely gives risk early warning when the borrower has adverse factors affecting credit quality, and puts forward corresponding prevention and control measures to minimize risks. At the same time, the risk management department arranges post loan inspection, including post loan visit, collection of post loan materials, completion of post loan inspection report, etc. the inspection frequency is once a quarter, and irregularly inspects the applicants with enterprise credit rating below BB.
3. Internal audit control
The finance company implements the internal audit supervision system, establishes the audit department, an internal audit department under the direct leadership of the company's management, independently exercises the audit supervision power according to law, is responsible for and reports to the general manager, and establishes relatively complete internal audit management methods and operating procedures, including the audit management measures of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd, Conduct internal audit and supervision on various operation and management activities.
The audit department is responsible for the internal audit business. According to the relevant provisions of national laws and regulations, financial policies, internal rules and regulations, the audit department reviews, verifies and evaluates the authenticity, legitimacy and effectiveness of the business operation and management activities of each department of the finance company, standardizes the business behavior, prevents financial risks and ensures the steady development of the business of the finance company.
4. Information system control
In order to ensure the safe, steady and efficient operation of the finance company, the finance company has formulated the measures for the security management of information system of Shenzhen Huaqiang Industry Co.Ltd(000062) Group Finance Co., Ltd. and introduced the fund management system V10 developed by Shenzhen Beite Technology Co., Ltd 5 finance company edition, covering settlement, budget, credit, bills, investment and financing, foreign exchange, statements and other system docking platforms. The information management system of the finance company can control the key business risk points including online capital settlement business, capital budget, credit business, approval system, clearing system, acceptance bill management, voucher management system, and some risks are automatically identified by the system. The specific business is divided by the operators according to the business departments set up by the company and perform their respective duties. The information system is installed in each business department according to the business module, and the management personnel of the financial company grant the operation authority of the operators within the business scope under their jurisdiction. Risk control runs through all kinds of businesses, departments, posts and operation links, and strictly controls the functional authority, operation procedures, network security and log data of the information system
