瀚华金控二零二零年度报告

HANHUA FINANCIAL HOLDINGANNUAL REPORT 2020年度 報告 2Corporate Overview公司概況5Corporate Information公司資料9Summary of Financial Data and Key Performance Indicators財務數據及關鍵業績指標概要10Chairman’s Report董事長報告12Financial Highlights財務概要24Management Discussion and Analysis管理層討論與分析129Directors, Supervisors and Senior Management董事、監事及高級管理層140Corporate Governance Report企業管治報告161Environmental,Social and Governance Report環境、社會及管治報告184Report of the Board of Directors董事會報告203Report of the Board of Supervisors監事會報告206Independent Auditor’s Report獨立審計報告224Consolidated Statement of Profit or Loss合併損益表225Consolidated Statement of Profit or Loss and Other Comprehensive Income合併損益及其他綜合收益表226Consolidated Statement of Financial Position合併財務狀況表229Consolidated Statement of Changes in Equity合併股東權益變動表231Consolidated Cash Flow Statement合併現金流量表233Notes to the Consolidated Financial Statements合併財務報表附註Contents目錄 CONTENTS目 錄 Hanhua Financial Holding Co., Ltd.瀚華金控股份有限公司2Corporate Overview公司概況 瀚華金控股份有限公司（「瀚華金控」、「瀚華」、「公司」或「本公司」，連同其附屬公司「本集團」或「我們」）（股份代號：3903）2004年創立於重慶，2014年在香港聯合交易所有限公司（「香港聯交所」）發 行H股上市。目前公司註冊資本為人民幣46億元，總資產規模為人民幣149億元，淨資產規模近人民幣81億元，已成為全國領先的綜合性普惠金融集團。瀚華擁有民營銀行、資產管理、融資擔保、小額信貸、金融保理、融資租賃及金融資產交易等九大類專業金融牌照，搭建了集股權、債權、交易為一體的綜合金融服務平台，為中小微企業提供一站式、全週期、綜合化的普惠金融服務。融資擔保。瀚華融資擔保股份有限公司（「瀚華擔保」）成立於2009年，註冊資本為人民幣35億元，淨資產超過人民幣40億元，為中國融資擔保業協會副會長單位，在全國范圍內設有26家分支機構，是全國融資擔保行業十強企業，資本市場評級AA+，累計服務中小微企業超過5萬家，小微客戶數及業務佔比均居全國前列。Founded in Chongqing in 2004, Hanhua Financial Holding Co., Ltd. (“Hanhua Financial”, “Hanhua” or the “Company”, together with its subsidiaries named as the “Group”, “we”, “our” or “us”) (Stock Code: 3903) was listed on The Stock Exchange of Hong Kong Limited (“Hong Kong Stock Exchange”) via issue of H shares in 2014. At present, with a registered capital of RMB4.6 billion, total assets of RMB14.9 billion and net assets of nearly RMB8.1 billion, Hanhua Financial has become the leading comprehensive inclusive finance group nationwide.Hanhua obtained nine types of financial licenses including commercial banking, assets management, financing guarantee, micro credit, financial factoring, finance lease, financial asset trading, etc., established a comprehensive financial service platform integrating equity, credit and transaction to provide one-stop, full-cycle and integrated financial services for micro, small and medium-sized enterprises (“MSMEs”).Financing guarantee. Established in 2009, Hanhua Financing Guarantee Co., Ltd. (“Hanhua Guarantee”) has a registered capital of RMB3.5 billion with net assets of over RMB4 billion. It is a vice-chairman unit of China Financing Guarantee Association. With 26 branches established across the country, Hanhua Guarantee is one of China’s top ten players in the financing guarantee industry, with the capital market rating of AA+. Hanhua Guarantee has provided services to more than 50,000 MSMEs, and ranks among the first nationwide in terms of the number of micro and small customers and business coverage ratio.Corporate Overview公司概況 Annual Report 2020二零二零年年報3Corporate Overview公司概況 Micro credit. Hanhua Credit is composed of eight micro-credit companies as well as institutions with functions such as information consulting, asset management and credit services. By virtue of the financial technology, Hanhua Credit offers “small amount and dispersive” integrated financial services to micro enterprises, individual businesses and entrepreneurial individuals through three product lines, namely micro and small finance, standard finance, and platform finance.Commercial banking. Chongqing Fumin Bank Co., Ltd. (“Fumin Bank”), established in August 2016, is the first private bank in Central Western China as well as the first private bank normally approved by the government. In line with its mission of “supporting micro businesses & helping startups and enriching the people & prospering the country”, Fumin Bank is committed to offering inclusive financial services and serving micro and small-sized enterprises, agriculture industry, rural areas and farmers, communities as well as innovative startups. In order to better serve its customers, Fumin Bank strives to innovate the service modes and business models of digital inclusive finance. As at 31 December 2020, Fumin Bank had total assets of RMB53.18 billion, and net profit of RMB216.4 million for the whole year of 2020. With an issuer rating of AA+, Fumin Bank ranks among leading private banks.Financial asset management. Liaoning Fu’an Financial Assets Management Co., Ltd. (“Fu’an Asset”) has a registered capital of RMB1 billion, and was filed with China Banking Regulatory Commission (“CBRC”) in January 2018