About the company and Zhuhai HUAFA Group Finance Co., Ltd
Continuous risk assessment report of related deposit and loan and other financial businesses
According to the requirements of self regulatory guidelines for listed companies of Shenzhen Stock Exchange No. 7 - transactions and related party transactions, and in combination with the actual situation of the company, the company plans to evaluate the business qualification, business and risk status of Zhuhai HUAFA Group Finance Co., Ltd. (hereinafter referred to as "finance company"), and now reports the relevant continuous risk assessment as follows:
1、 Basic information of finance company
(I) enterprise registration information
Company name: Zhuhai HUAFA Group Finance Co., Ltd
Date of establishment: September 2013
Legal representative: Xu Jili
Registered address: 26th floor, Hengqin international financial center building, cross gate Central Business District, Hengqin new area, Zhuhai
Registered capital: 2 million yuan
Company type: other limited liability companies
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; Securities investment; Other financial businesses approved by Bank Of China Limited(601988) Industry Regulatory Commission. (for projects subject to approval according to law, business activities can be carried out only after approval by relevant departments). (II) equity structure
No. name of shareholder and proportion of capital contribution
1 Zhuhai HUAFA Group Co., Ltd. 30%
Zhuhai Chuanghua Investment Management Co., Ltd
3 Zhuhai HUAFA trading Holding Co., Ltd. 20%
4 Zhuhai cross gate CBD Construction Holding Co., Ltd. 10%
5 Huafa Industrial Co.Ltd.Zhuhai(600325) 10%
6 Zhuhai HUAFA Investment Holding Group Co., Ltd. 10%
Total 100%
2、 Basic information of internal control of finance company
(I) control environment
The finance company has established the board of directors and the board of supervisors in accordance with the provisions of the articles of association of Zhuhai HUAFA Group Finance Co., Ltd., and has clearly stipulated the responsibilities of the board of directors, directors, the board of supervisors, supervisors and senior management in risk management. 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.
(II) risk identification and assessment
The finance company has developed a sound internal control management system. The implementation of the internal control system is organized by the company's management. Each business department formulates its own standardized operation processes, operation standards and risk prevention measures according to the different characteristics of each business. The audit management department supervises and evaluates the implementation of internal control. Each department shall separate responsibilities and supervise each other, and predict, evaluate and control various risks in operation and management.
(III) important control activities
1. Settlement business control
(1) Based on the principle of standardized management and system first, the finance company organized the preparation of settlement systems such as settlement business management measures, settlement business operation procedures and settlement account management measures during the preparation period of the company. After opening, the above systems were revised and improved according to the actual business development, such as the newly added emergency management measures for business management system failure, In terms of system, the operation specifications and control standards of settlement business are clarified to effectively prevent business risks.
(2) The finance company has prepared the post description of the settlement business department, so that each employee can clearly understand the job responsibilities, authorities, reporting routes and other matters of the post, and has established a risk management mechanism from pre prevention, in-process control to post supervision in each business link, such as double review system, post backup mechanism, post supervision link, large payment confirmation system and reconciliation system.
2. Capital business control
(1) The finance company has formulated capital business management measures and operation processes such as capital plan management measures, capital position management measures and capital management measures, which have effectively prevented business risks.
(2) In order to prevent liquidity risk, the finance company pays close attention to the actual use and income of the group and member units, analyzes the fund trend, timely adjusts and plans the use of funds, and does a good job in position management to ensure the use demand of member units. In the operation of fund deposit business, a interbank inquiry system has been established to review level by level and control fund risk.
3. Credit business control
(1) Finance companies carry out credit business in strict accordance with regulatory requirements.
A loan management system with separate examination and approval and graded approval has been established, and credit systems and rules such as the measures for the management of credit business of member units, the measures for the management of self operated loans and the measures for the management of entrusted loan business have been formulated.
(2) The finance company determines the review procedure and approval authority according to the loan scale, type, term and guarantee conditions, and reviews and approves the loan in strict accordance with the procedure and authority. The finance company has established and improved the work responsibilities of the credit department and credit posts, and the post setting of the credit department has a reasonable division of labor and clear responsibilities.
4. Internal audit control
The finance company implements the supervision and inspection system combining daily audit and internal audit, establishes relatively complete internal audit management methods and operating procedures, and carries out daily audit and internal audit on various business and management activities of the company. The audit management department is responsible for the daily audit and internal audit of the financial company, supervise and inspect the implementation of the company's internal control, the legality, compliance, safety, accuracy and effectiveness of business and management activities, find the weak links of internal control, imperfect management and various risks caused thereby, and timely put forward valuable improvement opinions and suggestions to the management.
5. Information system control
(1) The finance company has formulated information system management systems such as information system security management system, information system authorization operation management measures and data backup management measures to standardize the use of terminal equipment and establish an effective mechanism for information classification, protection system and unified authorization.
Formulate backup strategies for different systems, establish a backup management system, realize the automation of data backup and ensure the security of the company's information. The finance company shall organize data recovery drills irregularly to verify the correctness of data recovery process and the effectiveness of backup data.
(2) The financial company network realizes the physical isolation between the business network and the office network, and implements the special machine. Different logical areas are reasonably divided in the business network, and corresponding security equipment or access control strategies are deployed. The company has no information security events caused by improper network area division and inadequate prevention and control measures.
3、 Operation management and risk management of finance company
(I) operation
According to the audit report ztsz (2022) No. 442c003073 issued by the finance company through the Grant Thornton certified public accountants firm (special general partnership) with the qualification to carry out securities and futures related business, as of December 31, 2021, the cash and deposits in the Central Bank of the finance company were 278230127440 yuan, and the deposits in banks and other financial institutions were 984371327028 yuan; The total assets are 58 Beijing Kingee Culture Development Co.Ltd(002721) 59851 yuan and the net assets are Beijing Aerospace Changfeng Co.Ltd(600855) 940667 yuan; In 2021, the operating income was 216327335409 yuan and the net profit was 89341721136 yuan.
(II) management
Since its establishment, the finance company has always adhered to the principle of sound operation, and strengthened internal control and risk management in strict accordance with the company law of the people's Republic of China, the law of the people's Republic of China on banking supervision and administration, the basic norms of enterprise internal control, the accounting standards for enterprises, the measures for the administration of enterprise group financial companies, relevant national financial regulations and rules and the articles of association. The finance company has never had any major events such as withdrawal of deposits, failure to pay due debts, overdue large loans or guaranteed advances, robbery or fraud, directors or senior managers involved in serious disciplinary violations, criminal cases and so on; There are no major institutional changes, equity transactions or business risks that may affect the normal operation of the financial company; It has never been subject to administrative punishment or ordered to rectify by regulatory authorities such as Bank Of China Limited(601988) Insurance Regulatory Commission.
(III) regulatory indicators
All regulatory financial indicators of the finance company meet the requirements of Article 34 of the measures for the administration of financial companies of enterprise groups. The specific indicators are as follows:
1. The capital adequacy ratio shall not be less than 10%; As of December 31, 2021, the capital adequacy ratio is 14.49%;
2. The ratio of the balance of borrowed funds to the total capital shall not be higher than 100%; As of December 31, 2021, the proportion of borrowed funds is 0.16%;
3. The ratio of guarantee balance to total capital shall not be higher than 100%; As of December 31, 2021, the guarantee ratio is 12.74%;
4. The ratio of securities investment to total capital shall not be higher than 70%; As of December 31, 2021, the investment proportion is 42.67%; 5. The ratio of self owned fixed assets to total capital shall not be higher than 20%. As of December 31, 2021, the ratio of self owned fixed assets to total capital is 0.06%.
(IV) deposits and loans of shareholders and listed companies
1. Deposits and loans of shareholders
As of December 31, 2021, the shareholders of the finance company (Zhuhai HUAFA Group Co., Ltd., Zhuhai Huachuang Investment Management Co., Ltd., Zhuhai cross gate Central Business District Construction Holding Co., Ltd. Huafa Industrial Co.Ltd.Zhuhai(600325) , Zhuhai HUAFA trade Holding Co., Ltd. and Zhuhai HUAFA Investment Holding Group Co., Ltd.) had a total deposit of 20.367 billion yuan and a total loan of 28.63 billion yuan in the finance company.
2. Deposits and loans of listed companies
As of December 31, 2021, the company and its subsidiaries have settled interest on current deposits of 121.86 yuan and various loans of 300 million.00 yuan in the finance company.
4、 Business purpose and business advantages
The business purpose of the finance company is to "rely on the group and serve the group". It is committed to serving its affiliated enterprise groups and providing standardized and efficient centralized fund management and flexible and comprehensive financial management services for HUAFA group and its member units. Financial companies play the role of financial leverage of enterprise group financial companies, realize the intensive use of group funds and improve the efficiency of fund use, and are committed to building a comprehensive financial platform for capital operation of HUAFA group.
5、 Risk assessment opinions
The company believes that the financial company has legal and effective business qualification, has established a relatively complete and reasonable internal control system, and can effectively control risks. The financial company operates in strict accordance with the provisions of the measures for the administration of financial companies of enterprise groups, and all regulatory indicators meet the requirements of the measures. According to the company's understanding and evaluation of risk management, no risk of the financial company is found, which is hereby announced.
Hc Semitek Corporation(300323) board of directors April 11, 2002
