HANHUA FINANCIA L HOLDING2023年報ANNUAL 2Corporate Overview公司概況4Corporate Information公司資料8Financial Summary財務概要9Chairman’s Report董事長報告11Management Discussion and Analysis管理層討論與分析47Directors, Supervisors and Senior Management董事、監事及高級管理層63Corporate Governance Report企業管治報告84Environmental, Social and Governance Report環境、社會及管治報告106Report of the Board of Directors董事會報告124Report of the Board of Supervisors監事會報告127Independent Auditor’s Report獨立審計報告138Consolidated Statement of Profit or Loss合併損益表139Consolidated Statement of Profit or Loss and Other Comprehensive Income合併損益及其他綜合收益表140Consolidated Statement of Financial Position合併財務狀況表143Consolidated Statement of Changes in Equity合併股東權益變動表145Consolidated Cash Flow Statement合併現金流量表147Notes to the Consolidated Financial Statements合併財務報表附註Contents目錄 CONTENTS目 錄 Corporate Overview公司概況 Hanhua Financial Holding Co., Ltd.瀚華金控股份有限公司2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，目前已形成了融資擔保、民營銀行、金融資產管理等業態。截至2023年末，公司註冊資本46億元，總資產131.6億元，淨資產79.3億元。成立至今，累計業務發生額超過3,000億元，服務中小微企業客戶20餘萬家，個人客戶200餘萬戶。信用擔保。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35億元，在全國設有33家分支機構，長期主體信用評級AA+。截至2023年末，淨資產41.0億元，累計擔保額超1,000億元，累計服務中小企業超過5萬家。金融資產管理。2017年，瀚華金控聯合地方國企主發起成立註冊資本10億元的遼寧省第二家地方資產管理公司－遼寧富安金融資產管理有限公司（「富安資產」）。富安資產立足遼寧，輻射全國，為金融機構及企業提供不良資產轉讓處置、債務重組、投資管理、融通創新等服務。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 of the Company (“H Shares”) in 2014, and has now expanded its business portfolio to include credit guarantee, commercial banking, financial asset management and equity investment. As at the end of 2023, the Company had a registered capital of RMB4.6 billion, total assets of RMB13.16 billion and net assets of RMB7.93 billion. Since its establishment, the Company has recorded cumulative business turnover of over RMB300 billion, providing services to more than 200,000 micro, small and medium-sized enterprises (“MSMEs”) and more than 2,000,000 individual customers.Credit guarantee. Hanhua Financing Guarantee Co., Ltd. (“Hanhua Guarantee”), established in 2009 with a registered capital of RMB3.5 billion, has established 33 branches across the country and gained a long-term corporate credit rating of AA+. As at the end of 2023, Hanhua Guarantee had net assets of RMB4.1 billion, and accumulated guarantee balance of over RMB100 billion. Hanhua Guarantee has provided services to a total of 50,000 small and medium-sized enterprises (“SMEs”).Financial asset management. Liaoning Fu’an Financial Asset Management Co., Ltd. (“Fu’an Asset”) was established in 2017 jointly by Hanhua Financial (as the lead promoter) and a local state-owned enterprise, with a registered capital of RMB1 billion. Fu’an Asset is the second local asset management company in Liaoning Province. Based in Liaoning and radiating across the country, Fu’an Asset provides financial institutions and enterprises with services such as transfer and disposal of non-performing assets, debt restructuring, investment management, financing innovation.Corporate Overview公司概況 Corporate Overview公司概況 Annual Report 2023二零二三年年報3Commercial banking. Chongqing Fumin Bank Co., Ltd. (“Fumin Bank”), a private bank established in 2016 with Hanhua Financial as the lead promoter, is owned as to 30% by Hanhua Financial, its largest shareholder. Fumin Bank is 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 better serving micro and small-sized enterprises, agricultural industry, rural areas and farmers as well as innovative startups by innovating the service methods and business models of digital inclusive finance. Since its establishment, Fumin Bank has developed a series of digital featured products such as Fumin Bao, Fuyi Loan and E-Bills Quick Discounting to cater to the needs of SMEs, which was recognized by the People’s Bank of China and well-received among customers. As at the end of 2023, Fumin Bank had total assets of RMB60.42 billion, with its financial services benefiting more than 10 million customers, and recorded total comprehensive income of RMB0.49 billion in 2023.民營銀行。2016年，瀚華金控主發起設立民營銀行－重慶富民銀行股份有限公司（「富民銀行」），瀚華金控持股30%，為第一大股東。富民銀行是常態化審批的第一家民營銀行。富民銀行以「扶微助創、富民興邦」為使命，緊密圍繞服務小微、三農和創新創業，開展數字普惠金融的服務方式和業務模式創新。成立以來富民銀行圍繞中小企業客戶需求，開發出富民寶、富易貸、電子票據極速貼現等數字化特色產品，受到央行肯定和客戶認可。截至2023年末，富民銀行資產總額