Gohigh Data Networks Technology Co.Ltd(000851)
Risk assessment report on Datang Telecom Group Finance Co., Ltd
In accordance with the relevant requirements of the regulatory authorities on regulating the related party transactions between listed companies and financial companies, by checking the financial license, business license of enterprise legal person and other certificates of Datang Telecom Group Finance Co., Ltd. (hereinafter referred to as "financial company"), and reviewing the financial report of the financial company in the latest fiscal year, Gohigh Data Networks Technology Co.Ltd(000851) (hereinafter referred to as "company") on the business qualification and The business and risk status has been assessed, and the specific situation is reported as follows:
1、 Basic information of finance company
Datang Telecom Group Finance Co., Ltd., established on November 22, 2011, is a non bank financial institution approved by Bank Of China Limited(601988) Industry Regulatory Commission (now renamed Bank Of China Limited(601988) Insurance Regulatory Commission "hereinafter referred to as" CBRC "). The registered place of the finance company is Beijing, and its domicile is North District, 5th floor, building 26, zone 1, No. 40, Xueyuan Road, Haidian District, Beijing. The legal representative of the finance company is Xiao Bo. Unified social credit Code: 91110 Sgis Songshan Co.Ltd(000717) 831362u.
The registered capital of the finance company is 1 billion yuan, which is fully invested by China information and Communication Technology Group Co., Ltd. (hereinafter referred to as "China Xinke").
Business scope:
1. Handle financial and financing consulting, credit assurance and related consulting and agency business for member units;
2. Assist member units to realize the receipt and payment of transaction funds;
3. Approved insurance agency business;
4. Provide guarantee to member units;
5. Handle entrusted loans and entrusted investment between member units;
6. Handle bill acceptance and discount for member companies;
7. Handle the internal transfer settlement between member units and the corresponding settlement and clearing scheme design;
8. Absorbing deposits from member units;
9. Handle loans and financial leases for member units;
10. Engage in interbank lending;
11. Underwriting corporate bonds of member units;
12. Investment in marketable securities (excluding investment in the secondary stock market);
13. Buyer's credit for products of member units;
14. Bank Of China Limited(601988) other businesses approved by the Industry Regulatory Commission.
2、 Basic information of financial company's risk management
(I) risk control environment
1. Basic information
Datang Telecom Group Finance Co., Ltd. is a wholly-owned subsidiary of China information and Communication Technology Group Co., Ltd. (hereinafter referred to as "China Xinke"). The finance company has no board of shareholders, but has a board of directors and a supervisor. The board of directors is responsible to the shareholders, and the supervisor reports to the shareholders. The general manager is responsible for the daily operation and management of the company, and comprehensively leads and supervises all business departments of the company. In order to improve corporate governance and effectively control risks, the board of directors of the finance company has established a risk control committee (hereinafter referred to as "risk control committee") to accept the guidance and supervision of the board of directors, and the finance company has established a loan review committee (hereinafter referred to as "loan review committee") as the review organization of the company's domestic and foreign currency credit business. The finance company mainly consists of nine departments: settlement business department, corporate business department and risk management department. The functions of each department are separated and the operation is orderly. The organization chart of the finance company is as follows:
shareholder
supervisor
Board of directors
Risk control committee
Member meeting
general manager
Deputy General Manager / general manager of loan review committee
Assistant Manager
General management department information technology department planning and finance department settlement business department corporate business department financial business department business development department risk management department audit department 2 Establishment of special committees
(1) Risk control meeting
Review the company's annual risk management policy;
Review the company's annual risk management summary and plan;
Review the risk management plan and major coping strategies of the company's important business; Review the responsibility identification of non-performing assets and the disposal and write off plan of non-performing assets, and submit it to the board of directors for final decision;
Urge the company's management and departments to take necessary measures to effectively identify, evaluate, monitor, control and mitigate risks;
Other matters authorized by the board of directors.
(2) Loan review committee
Examine and approve the company's credit business policies and guidelines;
Examine and approve the annual credit rating, comprehensive credit line and adjustment of member units;
Examine and approve the remedial plan for credit business with significant changes in risk;
Urge relevant departments to implement various credit matters approved by the loan examination committee; Identify asset risk classification matters;
Submit the disposal and responsibility identification plan of non-performing credit assets to the risk control committee; Other matters requiring approval and other work of the company.
3. Department responsibilities
The finance company has set up nine departments: settlement business department, corporate business department, business development department, planning and finance department, financial business department, risk management department, audit department, information technology department and comprehensive management department. The responsibilities of each department are as follows:
(1) Settlement business department
Be responsible for the construction of fund concentration platform and assist in absorbing the deposits of member units; Be responsible for the capital settlement of bank accounts other than the basic account of the finance company; Be responsible for the payment of transaction funds of member units, internal transfer settlement between member units, corresponding settlement, settlement scheme design and other settlement businesses of various financial companies;
Be responsible for calculating and paying deposit interest, collecting loan interest, and regularly reconciling with member units;
Be responsible for the declaration and management of the opening, change and cancellation of bank accounts other than the basic account of the finance company;
Be responsible for the internal account management business of the group member units in the finance company; Be responsible for updating, keeping and using the seal cards of member units;
Responsible for the company's settlement business documents, the custody and collection of discounted commercial bills;
Be responsible for sorting out the company's business receipts and original bills of settlement business, and binding, keeping and archiving the settlement business files;
Be responsible for formulating the management measures and business processes related to the settlement business, formulating the development plan of the company's settlement business, participating in the formulation of the company's development plan and annual work plan, and participating in the construction and improvement of the business operation system of the finance company;
Be responsible for the statistical analysis of settlement business data and provide relevant information to the company's leaders and departments;
Be responsible for the daily anti money laundering work of the finance company, record large and suspicious transactions, analyze and report anti money laundering work, organize anti money laundering publicity and training activities, as well as external communication and internal coordination of anti money laundering work;
Be responsible for issuing deposit certificates and credit certificates for member units and handling confirmation letters from member units;
Be responsible for the application, business filing, business lead implementation, data submission, situation feedback and other responsibilities of the "centralized operation and management of foreign exchange funds of multinational corporations" business, spot foreign exchange settlement and sales business of the foreign exchange management department and the "centralized operation of cross-border RMB funds" business of the people's Bank of China.
(2) Corporate business department
Be responsible for formulating and implementing the company's credit policy;
Be responsible for participating in the formulation of credit plan;
Investigate, review and handle RMB short-term loans, medium and long-term loans, entrusted loans, financial leasing business, bill business, factoring business and related financial credit business;
Supervise the use of loans and take charge of the post loan management of loans of the finance company; Be responsible for the guarantee business of the finance company, carry out daily management of the guarantee, keep in touch with the guarantee applicant and the guarantee beneficiary, and timely report the operation and financial status of the guarantee applicant to the superior leaders;
Be responsible for the recovery of loan principal and interest;
Be responsible for the statistical analysis of loan business and provide relevant information to the company's leaders and departments in time;
Be responsible for the commercial bill discount business of the finance company, carry out daily management of commercial bills, keep in touch with the discount applicant, and timely report the business and financial status of the discount applicant to the superior leaders;
Be responsible for the rediscount business of commercial bills, and rediscount the undue commercial bills after inquiry from the bank;
Be responsible for handling the rediscount business of commercial bills and rediscount the discounted commercial bills that are not due to the people's Bank of China;
Participate in the formulation of the company's development plan and annual work plan;
Be responsible for logging into the credit investigation system of the people's Bank of China;
Accept the entrustment of the insurance company and carry out insurance agency business within the scope of authorization of the insurance company.
(3) Planning and Finance Department
Be responsible for the preliminary formulation of various financial systems, capital plans and position management systems of the company;
Summarize and prepare the company's capital plan, and track the implementation of the capital plan;
Organize the company's fund position management, properly arrange fund allocation and ultra short-term idle fund utilization according to business needs, control fund risks and improve fund utilization efficiency;
Responsible for the centralized management of the company's external accounts and interbank credit management;
Be responsible for the centralized management of the interest rate level of various deposit businesses of the company;
Be responsible for budget management, participate in the formulation of the company's development plan and annual work plan, take the lead in organizing the preparation of the company's comprehensive budget, analyze and report the company's financial operation, and promote the improvement of operation and management level;
Be responsible for cost management, monitor the occurrence of various expenses, track the implementation of expense budget, and feed back to leaders and departments regularly;
Financial accounting and final accounts, prepare and submit the company's financial and accounting statements and statistical statements;
Handle the company's tax declaration and payment, internal expense reimbursement and loan, and pay wages and bonuses;
Handle the calculation, declaration and payment of deposit reserve;
Set up a cashier post to be responsible for the relevant management of checks and cash; Responsible for managing important blank vouchers of the company;
Be responsible for communication and coordination with external institutions such as statistics, taxation and accounting firms.
Other affairs assigned by the leaders of the finance company.
(4) Financial business department
Responsible for the formulation and analysis of capital policies on behalf of the group and providing professional advice on risk control;
Be responsible for coordinating and acting on the financial resources of the group, recommending and screening cooperative financial institutions, and maintaining the cooperative relationship between banks and enterprises; Comprehensively build and operate fund management and control platform, fund operation platform and overseas financing platform;
Responsible for formulating and improving the group's fund management system on behalf of the group;
Be responsible for managing the group's capital budget, customizing the capital budget of the headquarters, reviewing the budgets of subordinate units, putting forward reasonable suggestions, and summarizing and preparing the group's capital budget report and annual investment and financing plan;
Be responsible for the credit management of the group bank;
Be responsible for the direct financing management of the group, review and manage the direct financing of subordinate units;
Responsible for financing major projects, overseas financing and other related matters on behalf of the group; Responsible for internal financing and guarantee management on behalf of the group;
Be responsible for acting as an agent for the group's self operated investment and entrusted investment;
Responsible for market value management and position management on behalf of the group;
Be responsible for carrying out centralized fund control, supervision and inspection on behalf of the group;
Fixed value-added investment, bond account investment and other investment businesses;
Responsible for the investment business of liquidity cash management products such as monetary fund and national debt reverse repurchase and bank financial products.
(5) Risk management department
Responsible for risk review and management;
Responsible for legal compliance management;
Responsible for the coordination of regulatory agencies;
Responsible for regulatory statistics and reporting;
Be responsible for the daily office responsibilities of the company's risk control committee and the loan review committee.
(6) Audit department
Responsible for internal audit and supervision;
Responsible for internal control evaluation and supervision.
(7) Information Technology Department
Be responsible for the overall planning of the company's informatization work;
Establish and improve rules, regulations and processes related to informatization;
Be responsible for the construction, implementation and project management of information system;
Be responsible for the operation, maintenance, management and technical support of the information system;
Be responsible for system security.
(8) General management department
The general management department is responsible for the drafting of documents of the board of directors and the board of supervisors and other meeting organization and daily affairs;
Be responsible for implementing and supervising the implementation of the resolutions of the board of directors;
Be responsible for the company's secretary, seal and file management;
Be responsible for the party affairs, discipline inspection, labor union and publicity of the company;
Responsible for human resource management;
Be responsible for the confidentiality, security and stability of the company;
Be responsible for the coordination and maintenance of the company's external relations;
Provide logistics services for the company's leaders and departments to ensure the smooth development of the company's normal business;
Participate in the formulation of the company's development plan and annual work plan;
Other affairs assigned by the leaders of the finance company.
(9) Business Development Department
Responsible for new business development of existing customers of the company;
Responsible for business development of new customers in Southern District.
(II) control activities
The financial company is strict
