中盈盛达融资担保2024年度报告

CONTENTS 2Corporate Profile3Corporate Information6Financial Highlights7Chairman’s Statement11Management Discussion and Analysis46Directors, Supervisors and Senior Management63Corporate Governance Report94Environmental, Social and Governance Report186Report of the Board of Directors215Report of the Board of Supervisors216Independent Auditor’s Report226Consolidated Statement of Profit or Loss andOther Comprehensive Income229Consolidated Statement of Financial Position231Consolidated Statement of Changes in Equity233Consolidated Cash Flow Statement235Notes to the Consolidated Financial Statements CORPORATE PROFILE 2003 We, Guangdong Join-Share Financing Guarantee Investment Co.,Ltd.*(“Guangdong Join-Share” or the“Company”,togetherwith our subsidiaries, the “Group”, “we”, “our” or “us”) is aleadingfinancing guarantee services provider in Guangdongprovince, the People’s Republic of China (the “PRC” or “China”)focusing on providing credit-based financing solutions to small andmedium-sized enterprises (the “SMEs”) to satisfy their financingandbusiness needs.Since our establishment in Foshan,Guangdongprovince in 2003,our business network has beensignificantly expanded to cover all the major cities in Guangdongprovince and certain cities in Anhui province. 2011720146 We primarily provide guarantees on behalf of, or entrusted loansto,SMEs and individual business proprietors.We also providemicro-lendingto SMEs,individual business proprietors andindividuals in Foshan since July 2011 through Foshan Join-ShareMicroCredit Co.,Ltd.*()(“Foshan Micro Credit”), which was consolidated into our Groupin June 2014. AA We have established strong cooperative relationships with variousbanksand non-bank financial institutions,which allows us todiversify our sources of customer referrals, reduce credit risks, andstrengthenour leading position in our industry in Guangdongprovince. We have a diverse shareholder base and do not have acontrolling shareholder. It is our aim to ensure the management’sindependence in the daily operations, and we endeavour to carryout prudent corporate governance since our establishment withoutbeingaffected by any single shareholder of the Company(the“Shareholder(s)”).The board(the“Board”)of directors(the“Di r e c t o r s”)o f o u r C o m p a n y ,t h e s u p e r v i s o r s( t h e“Supervisors”)of our Company and our experienced andreputable management team are from diverse backgrounds andwith substantial expertise in the finance, banking, accounting andlegal industries. At present, having stable outlook, we are givenan “AA” corporate rating from CSCI Pengyuan Credit Rating Co.Ltd* (). HHH20151223 Sharecapital of our Company comprises domestic shares(the“Domestic Share(s)”)and H Shares(the“H Share(s)”)(collectively referred to as the “Share(s)”). Our H Shares werelisted (the “Listing”) on the Main Board of The Stock Exchangeof Hong Kong Limited (the “Stock Exchange”) on 23 December2015,laying a solid foundation for our Group’s futuredevelopment. * Unlessotherwise defined,capitalised terms used in this annualreportshall have the same meanings as those defined in thisCorporateProfile.English translations of company names andother terms from the Chinese language which are marked with *are provided for identification purposes only. CORPORATE INFORMATION EXECUTIVE DIRECTOR Mr. Wu Liejin(Chairman of the board of directors and president) NON-EXECUTIVE DIRECTORS 202461820246182024618202461820246182024618 Mr. Zhang Minming (retired on 18 June 2024)Mr. Li Shenhua (retired on 18 June 2024)Mr. Luo Zhenqing (retired on 18 June 2024)Mr. Huang Weibo (appointed on 18 June 2024)Mr. Zhao WeiMr. Pan Mingjian (appointed on 18 June 2024)Ms. Feng Qunying (appointed on 18 June 2024)Mr. Ou Weiming INDEPENDENT NON-EXECUTIVE DIRECTORS 20246182024618 Mr. Wu XiangnengMr. Leung Hon ManMr. Wang Bo (retired on 18 June 2024)Ms. Li Xia (appointed on 18 June 2024) SUPERVISORS 20246182024618 Mr. Li Qi(Chairman)Ms. Li WanminMr. Chen Xin (retired on 18 June 2024)Mr. Zhong Jian (retired on 18 June 2024)Mr. Huang ShaoxiongMs. Huang Yuzhen AUDIT COMMITTEE 202461820246182024618202461820246182024618 Mr. Wu Xiangneng(Chairman)Mr. Wang Bo (retired on 18 June 2024)Mr. Li Shenhua (retired on 18 June 2024)Mr. Luo Zhenqing (retired on 18 June 2024)Mr. Huang Weibo (appointed on 18 June 2024)Ms. Feng Qunying (appointed on 18 June 2024)Mr. Leung Hon ManMs. Li Xia (appointed on 18 June 2024) REMUNERATION AND APPRAISAL COMMITTEE 2024618202461820246182024618 Mr. Leung Hon Man(Chairman)Mr. Wang Bo (retired on 18 June 2024)Mr. Luo Zhenqing (retired on 18 June 2024)Mr. Huang Weibo (appointed on 18 June 2024)Mr. Ou WeimingMr. Wu XiangnengMs. Li Xia (appointed on 18 June 2024) CORPORATE INFORMATION (CONTINUED) NOMINATION COMMITTEE 20246182024618 Mr. Wu Liejin(Chairman)Mr. Zhao WeiMr. Wu XiangnengMr. Leung Hon ManMr. Wang Bo (retired on 18 June 2024)Ms. Li Xia (appointed on 18 June 2024) RISK MANAGEMENT COMMITTEE 2024618202461820246