瀚华金控二零二三年度报告

HANHUA FINANCIAL HOLDING 2Corporate Overview4Corporate Information8Financial Summary9Chairman’s Report11Management Discussion and Analysis47Directors, Supervisors and Senior Management63Corporate Governance Report84Environmental, Social and Governance Report106Report of the Board of Directors124Report of the Board of Supervisors127Independent Auditor’s Report138Consolidated Statement of Profit or Loss139Consolidated Statement of Profit or Loss andOther Comprehensive Income140Consolidated Statement of Financial Position143Consolidated Statement of Changes in Equity145Consolidated Cash Flow Statement147Notes to the Consolidated Financial Statements CONTENTS目 錄 Corporate Overview Founded in Chongqing in 2004, Hanhua Financial Holding Co., Ltd.(“Hanhua Financial”, “Hanhua” or the “Company”, together withits subsidiaries named as the “Group”, “we”, “our” or “us”) (StockCode: 3903) was listed on The Stock Exchange of Hong KongLimited (“Hong Kong Stock Exchange”) via issue of H sharesof the Company (“H Shares”) in 2014, and has now expanded itsbusiness portfolio to include credit guarantee, commercial banking,financial asset management and equity investment. As at the end of2023, the Company had a registered capital of RMB4.6 billion, totalassets of RMB13.16 billion and net assets of RMB7.93 billion. Sinceits establishment, the Company has recorded cumulative businessturnover of over RMB300 billion, providing services to more than200,000 micro, small and medium-sized enterprises (“MSMEs”)and more than 2,000,000 individual customers. 390320042014H202346131.679.33 , 0 0 020200 20093533AA+202341.01,0005 Creditguarantee.Hanhua Financing Guarantee Co.,Ltd.(“Hanhua Guarantee”),established in 2009 with a registeredcapital of RMB3.5 billion, has established 33 branches across thecountry and gained a long-term corporate credit rating of AA+. Asat the end of 2023, Hanhua Guarantee had net assets of RMB4.1billion, and accumulated guarantee balance of over RMB100 billion.Hanhua Guarantee has provided services to a total of 50,000 smalland medium-sized enterprises (“SMEs”). 201710 Financial asset management. Liaoning Fu’an Financial AssetManagement Co., Ltd. (“Fu’an Asset”) was established in 2017jointly by Hanhua Financial (as the lead promoter) and a local state-owned enterprise, with a registered capital of RMB1 billion. Fu’anAsset is the second local asset management company in LiaoningProvince. Based in Liaoning and radiating across the country, Fu’anAsset provides financial institutions and enterprises with servicessuch as transfer and disposal of non-performing assets, debtrestructuring, investment management, financing innovation. Corporate Overview 201630%2023604.21,0004.9 Commercial banking. Chongqing Fumin Bank Co., Ltd. (“FuminBank”), a private bank established in 2016 with Hanhua Financialas the lead promoter, is owned as to 30% by Hanhua Financial, itslargest shareholder. Fumin Bank is the first private bank normallyapproved by the government. In line with its mission of “supportingmicro businesses & helping startups and enriching the people &prospering the country”, Fumin Bank is committed to better servingmicro and small-sized enterprises, agricultural industry, rural areasand farmers as well as innovative startups by innovating the servicemethods and business models of digital inclusive finance. Sinceits establishment, Fumin Bank has developed a series of digitalfeatured products such as Fumin Bao, Fuyi Loan and E-Bills QuickDiscounting to cater to the needs of SMEs, which was recognizedby the People’s Bank of China and well-received among customers.As at the end of 2023, Fumin Bank had total assets of RMB60.42billion, with its financial services benefiting more than 10 millioncustomers, and recorded total comprehensive income of RMB0.49billion in 2023. Corporate Information EXECUTIVE DIRECTORS Mr. Zhang Jun (Chairman)Mr. Zhang GuoxiangMr. Cui Weilan NON-EXECUTIVE DIRECTORS Ms. Liu JiaoyangMs. Liu TingrongMs. Wang FangfeiMr. Feng YongxiangMr. Liu Bolin INDEPENDENT NON-EXECUTIVE DIRECTORS Mr. Cao ZiweiMr. Li WeiMr. Hu YuntongMr. Xu Hongcai SUPERVISORS 2023121520231215 Mr. He ZhonghuaMr. He YuMs. Huang Hui (Election on 15 December 2023)Mr. Chen Zhonghua (Resigned on 15 December 2023) AUDIT COMMITTEE Mr. Hu Yuntong (Independent Non-executive Director) (Chairman)Ms. Liu Jiaoyang (Non-executive Director)Mr. Li Wei (Independent Non-executive Director) NOMINATION AND REMUNERATION COMMITTEE Mr. Cao Ziwei (Independent Non-executive Director) (Chairman)Mr. Zhang Guoxiang (Executive Director)Mr. Xu Hongcai (Independent Non-executive Director) Corporate Information STRATEGIC INVESTMENT COMMITTEE Mr. Li Wei (Independent Non-executive Director) (Chairman)Mr. Zhang Guoxiang (Executive Director)Mr. Cui Weilan (Executive Director) RISK MANAGEMENT COMMITTEE Mr. Cui Weilan (Executive Director) (Chairman)Mr. Zhang Guoxiang (Executive Director)Ms. Liu Tingrong (Non-executive Director) COMPANY SECRET