51信用卡2023年度报告

Contents目錄 Corporate Information公司資料2Chairman’s Statement主席報告5Management Discussion and Analysis管理層討論及分析6Biographical Details of Directors and Senior Management董事及高級管理層履歷詳情29Report of the Directors董事會報告34Corporate Governance Report企業管治報告76Environmental, Social and Governance Report環境、社會及管治報告103Independent Auditor’s Report獨立核數師報告145Consolidated Statement of Comprehensive Loss綜合全面虧損表156Consolidated Statement of Financial Position綜合財務狀況表158Consolidated Statement of Changes in Equity綜合權益變動表160Consolidated Statement of Cash Flows綜合現金流量表162Notes to the Consolidated Financial Statements綜合財務報表附註163Five-Year Financial Summary五年財務資料概要320 Corporate Information公司資料 董事會 BOARD OF DIRECTORS EXECUTIVE 執行董事 Mr. Sun Haitao(Chairman and Chief Executive Officer)Ms. Wu Shan 孫海濤先生（主席兼行政總裁）吳珊女士 NON-EXECUTIVE DIRECTORS 非執行董事 Ms. Zou YunliMs. Jiang Chloe CuicuiMs. Gao Li 鄒雲麗女士蔣璀璀女士高莉女士 葉翔先生徐旭初先生壽健先生 Mr. Ye XiangMr. Xu XuchuMr. Shou Jian 公司秘書 曾倩雯女士 授權代表 Ms. Wu ShanMs. Tsang Sin Man 吳珊女士曾倩雯女士 AUDIT COMMITTEE 審核委員會 Mr. Ye Xiang(Chairman)Ms. Zou YunliMr. Xu Xuchu 葉翔先生（主席）鄒雲麗女士徐旭初先生 REMUNERATION COMMITTEE 薪酬委員會 Mr. Ye Xiang(Chairman)Mr. Sun HaitaoMr. Xu Xuchu 葉翔先生（主席）孫海濤先生徐旭初先生 Corporate Information公司資料 提名委員會 NOMINATION COMMITTEE Mr. Sun Haitao(Chairman)Mr. Ye XiangMr. Xu Xuchu 孫海濤先生（主席）葉翔先生徐旭初先生 核數師 AUDITOR 中滙安達會計師事務所有限公司執業會計師註冊公眾利益實體核數師 Zhonghui Anda CPA LimitedCertified Public AccountantsRegistered Public Interest Entity Auditor 主要往來銀行 PRINCIPAL BANK 中國銀行股份有限公司杭州文一支行中國浙江省杭州市西湖區文一路310號 Bank of China LimitedHangzhou Wenyi Sub-branchNo. 310, Wenyi Road, Xihu DistrictHangzhou, Zhejiang, PRC REGISTERED OFFICE 註冊辦事處 Third Floor, Century YardCricket Square, P.O. Box 902Grand Cayman, KYI-1103Cayman Islands Third Floor, Century YardCricket Square, P.O. Box 902Grand Cayman, KYI-1103Cayman Islands 總部及中國主要營業地點 HEADQUARTER AND PRINCIPAL PLACEOF BUSINESS IN THE PRC Building B3, CECEP Xixi CenterNo. 588 Wenyi West RoadXihu District, HangzhouZhejiang, PRC 中國浙江省杭州市西湖區文一西路588號中節能西溪首座B3幢 公司之香港法律顧問 COMPANY’S LEGAL ADVISER AS TO HONG KONG LAW Chiu & Partners Corporate Information公司資料 香港主要營業地點 PRINCIPAL PLACE OF BUSINESS IN HONG KONG Office 2401A on 24th FloorTower One, Lippo Centre 89QueenswayHong Kong 香港金鐘道89號力寶中心一座24樓2401A室 主要股份過戶登記處 PRINCIPAL SHARE REGISTRAR ANDTRANSFER OFFICE Tricor Services (Cayman Islands) LimitedThird Floor, Century YardCricket Square, P.O. Box 902Grand Cayman, KYI-1103Cayman Islands Tricor Services (Cayman Islands) LimitedThird Floor, Century YardCricket Square, P.O. Box 902Grand Cayman, KYI-1103Cayman Islands 香港證券登記處 HONG KONG SHARE REGISTRAR Tricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong Kong 卓佳證券登記有限公司香港夏慤道16號遠東金融中心17樓 股份代號 STOCK CODE 2051 網址 WEBSITE www.u51.com www.u51.com Chairman’s Statement主席報告 致各位股東： Dear Shareholders, 2023年是疫情後整體經濟復甦的第一年，運營環境仍然有不確定性，集團積極運營各項業務，各項業務整體保持平穩發展。 2023 marked the first year of general economic recovery in the post-COVID 19era and visibility of the operating environment had remained low. Nevertheless,the Group had been conducting its businesses proactively while maintainingstability of the overall development of each of its business segments. 我們對金融科技及信貸撮合業務進行戰略調整，我們相信這將有利於集團整體業務資源的調配和利益的最大化發展。儘管該業務規模有所下降，我們的歷史逾期資產收回表現良好，得益於我們在回收渠道上的積極拓展和智能技術應用導致的整體回收效率的提升，未 來 我 們 將 確 保 金 融 科 技 和 信 貸 撮 合 業 務 的 平 穩 運營，嚴格遵守不斷變化的監管合規要求。 We had made strategic adjustments to our financial technology and creditfacilitation business, which we believed to be beneficial to the deployment of theGroup’s overall business resources and to maximization of gain. Notwithstandingthe downsizing in this business, recovery of our historical overdue assets hadbeen satisfactory, thanks to the improvement in overall recovery efficiency asa result of our proactive expansion in channels of recovery and the applicationof smart technology. Going forward, we are committed to ensure smoothoperation of our financial technology and credit facilitation business and strictlycomply with the ever-changing regulatory and compliance requirements. 小藍本SaaS業務在2023年實現了業務規模和經營業績上的突破，合作用戶數量和覆蓋行業類型日益壯大。此外我們積極響應相關數據安全的政策法規要求，小藍本在當年入選工信部卓信大數據計劃，成功入駐杭州國際數字交易中心，這些都表明我們在數據安全與合規性上作出的持續努力，我們保持與行業上的高水平交流合作，為客戶帶來更加值得信賴的數據支持。未來我們將持續深耕細分行業，結合AI技術全面提升產品競爭力，攜手更多優質的用戶為其提供高效全流程的獲客系統。 The Little Blue Book’s SaaS business achieved a breakthrough in business scaleand operating results in 2023 with our continued expansion in number ofcooperating users and coverage of sector categories. Moreover, we had actedproactively in response to relevant data security policies and regulations. TheLittle Blue Book had been shortlisted for that year’s Zhuoxin Big Data Project(卓信大數據計劃) of the Ministry of Industry and Information Technology,and had been successfully admitted to Hangzhou International Digital ExchangeCentre (杭州國際數字交易中心). These milestones demonstrated our ongoingefforts in data security and compliance. We had maintained a high level ofexchange of information and v