国银金租2024年度报告

(於中華人民共和國註冊成立的股份有限公司)(A joint stock limited company incorporated in the People’s Republic of China)股份代號Stock Code : 1606 COMPANY OVERVIEW 1984126.423840A1AA20161%(ROE)10% 9 Founded in 1984, China Development Bank Financial Leasing Co., Ltd., a national non-banking financial institution regulated bythe NFRA, is the only leasing business platform under China Development Bank and the first listed financial leasing company inChina, with a registered capital of RMB12.64238 billion. The Group is a pioneer in the leasing industry in the PRC. The Companyis dedicated to providing comprehensive leasing services to high-quality customers in industries including aviation, shipping,regional development, inclusive finance, green energy and high-end equipment manufacturing, with leasing assets and businesspartnersreaching throughout over 40 countries and regions all over the world,and consistently maintains quasi-sovereigninternational ratings, namely“A1”by Moody’s,“A”by Standard & Poor’s and“A”by Fitch. Since its listing in 2016, the Group’sscale of assets has steadily grown and profitability has continuously improved, the non-performing asset ratio has maintained at1% or below, and the average return on equity (ROE) has maintained over 10%. The Group proactively fulfills its responsibilities as a state-owned financial enterprise, adheres to the basic requirement of financialsector serving the real economy, and continuously contributes to the high-quality development. The Group was the first leasingcompany to promote the marketisation and international operation of aviation leasing in China and set up its first professionaloverseas aviation subsidiary, ranking Top 9 in the world in terms of the value of its active fleet. The asset quality, profitability andprofessional management level of the ship leasing business are at the leading position in the industry. The regional developmentleasingbusiness focuses on major regional development strategies of the State,and continuously enhances the regionalfinancial service efficiency to better assist the high-quality development of the regional economy. The green energy and high-end equipment leasing business proactively serves the national“dual carbon”goal, promotes the green transformation of energyand optimisation of structure and supports the development of advanced manufacturing and strategic emerging industries. Theinclusive finance business proactively responds to the call of the country by fulfilling its social responsibility and providing financialservices to facilitate medium, small and micro customers, promoting the deep development of construction machinery and vehicleleasing business. The Group firmly follows the path of financial development with Chinese characteristics, closely adheres to the origin of leasing,focuses on the“five major areas”of finance, and continues to inject financial momentum into the development of new qualityproductive forces. With the gradual establishment of a modern industrial system in China, the Group has always insisted on thestrategic positioning of“marketisation, professionalisation, internationalisation and digitisation”, continued to promote productand business transformation and innovation, continuously improved corporate governance level, improved its professional servicecapability and formed a business development model with obvious core competitive advantages and outstanding sustainabledevelopment capabilities. In the future, the Group will continue to promote effective enhancement in“quality”and reasonablegrowth in“quantity”, maintain steady development and industry-leading advantages, and continue to build a“world-class financialleasing company”. 41013142325283089104154188193196 CORPORATE INFORMATION4DEFINITIONS10GLOSSARY OF TECHNICAL TERMS13FINANCIAL HIGHLIGHTS14RANKING AND AWARDS23CHAIRMAN’S STATEMENT25PRESIDENT’S STATEMENT28MANAGEMENT DISCUSSION AND ANALYSIS30DIRECTORS, SUPERVISORS AND SENIOR MANAGEMENT89CORPORATE GOVERNANCE REPORT104REPORT OF THE BOARD OF DIRECTORS154REPORT OF THE BOARD OF SUPERVISORS188INDEPENDENT AUDITOR’S REPORT253FINANCIAL STATEMENTS AND NOTES256 CORPORATE INFORMATION 165 12345 12345 6 120244102202522832024410202522842024410520241162025123 8 2634 165 H183171712-1716 615 11125 6 7 263 720247298 826 131 http://www.cdb-leasing.com 12123 1606 2016711 2003 2003 STRATEGIC DECISION COMMITTEE OF THEBOARD BOARD OF DIRECTORS Executive Directors Ms. Ma Hong(Chairman)Mr. Jin TaoMr. Zhang Kesheng1Mr. Li Haijian6Mr. Liu MingMr. Li Yingbao5 Ms. Ma Hong(Chairman and Legal Representative)Mr. Jin Tao(Vice Chairman and President) Non-executive Directors Mr. Zhang Kesheng1Mr. Zhang Chuanhong2Mr. Liu Xipu3Mr. Yang Guifang4Mr. Li Yingbao5 R I S KM A N A G E M E N T A N D I N T E R N A LCONTROL COMMITTEE OF THE BOARD Ms. Ma Hong(Chairman)Mr. Jin TaoMr. Zhang Kesheng1Mr. Zhang Chuanhong2Mr. Liu MingMr. Wang GuiguoMr. Liu Xipu3Mr. Yang Guifang4Mr. Li Yingbao5 Mr. Li Haijian6Mr. Liu MingM