51信用卡2024年度报告

Corporate Information公司資料 董事會 BOARD OF DIRECTORS 執行董事 EXECUTIVE DIRECTORS 孫海濤先生（主席兼行政總裁）吳珊女士 Mr. Sun Haitao(Chairman and Chief Executive Officer)Ms. Wu Shan 非執行董事 NON-EXECUTIVE DIRECTORS 鄒雲麗女士蔣璀璀女士高莉女士 Ms. Zou YunliMs. Jiang Chloe CuicuiMs. Gao Li 獨立非執行董事 INDEPENDENT NON-EXECUTIVE DIRECTORS 葉翔先生徐旭初先生壽健先生 Mr. Ye XiangMr. Xu XuchuMr. Shou Jian 公司秘書 COMPANY SECRETARY 曾倩雯女士 Ms. Tsang Sin Man 授權代表 AUTHORISED REPRESENTATIVES 吳珊女士曾倩雯女士 Ms. Wu ShanMs. Tsang Sin Man 審核委員會 AUDIT COMMITTEE 葉翔先生（主席）鄒雲麗女士徐旭初先生 Mr. Ye Xiang(Chairman)Ms. Zou YunliMr. Xu Xuchu 薪酬委員會 REMUNERATION COMMITTEE 葉翔先生（主席）孫海濤先生徐旭初先生 Mr. Ye Xiang(Chairman)Mr. Sun HaitaoMr. Xu Xuchu Corporate Information公司資料 提名委員會 NOMINATION COMMITTEE 孫海濤先生（主席）葉翔先生徐旭初先生 Mr. Sun Haitao(Chairman)Mr. Ye XiangMr. Xu Xuchu 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 註冊辦事處 REGISTERED OFFICE P.O. Box 31119 Grand PavilionHibiscus Way, 802 West Bay RoadGrand Cayman, KY1-1205Cayman Islands P.O. Box 31119 Grand PavilionHibiscus Way, 802 West Bay RoadGrand Cayman, KY1-1205Cayman Islands 總部及中國主要營業地點 HEADQUARTERS AND PRINCIPAL PLACEOF BUSINESS IN THE 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 Building B3, CECEP Xixi CenterNo. 588 Wenyi West RoadXihu District, HangzhouZhejiang, PRC 公司之香港法律顧問 COMPANY’S LEGAL ADVISER AS TO HONG KONG LAW 趙不渝馬國強律師事務所 Chiu & Partners Corporate Information公司資料 香港主要營業地點 PRINCIPAL PLACE OF BUSINESS IN HONG KONG 香港金鐘道89號力寶中心一座24樓2401A室 Office 2401A on 24th FloorTower One, Lippo Centre89 QueenswayHong Kong 主要股份過戶登記處 PRINCIPAL SHARE REGISTRAR AND TRANSFER OFFICE Vistra (Cayman) LimitedP.O. Box 31119 Grand PavilionHibiscus Way, 802 West Bay RoadGrand Cayman, KY1-1205Cayman Islands Vistra (Cayman) LimitedP.O. Box 31119 Grand PavilionHibiscus Way, 802 West Bay RoadGrand Cayman, KY1-1205Cayman Islands 香港證券登記處 HONG KONG SHARE REGISTRAR 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 Tricor Investor Services Limited17/F, Far East Finance Centre16 Harcourt RoadHong Kong 股份代號 STOCK CODE 20512051 網址 WEBSITE www.u51.comwww.u51.com Chairman’s Statement主席報告 致各位股東： Dear Shareholders, 2024年，全球宏觀經濟環境持續承壓，地緣政治風險及行業週期波動交織疊加。面對複雜挑戰，本集團積極應對市場變化，堅持創新驅動發展戰略，統籌推進各業務板塊穩健運營。現將主要業務進展匯報如下： In2024,the global macroeconomic environment continued to be underpressure, with geopolitical risks and industry cycle fluctuations intertwined. Inface of complex challenges, the Group has actively responded to marketchanges,adhered to the innovation-driven development strategy,andorganized the steady operation of various business segments. The progressof the principal businesses is reported as follows: 我們在小藍本To B SaaS業務實現了突破性增長。在這一年我們深度整合人工智能技術，構建涵蓋潛客挖掘、商機觸達、客戶轉化及管理的一站式全流程智能銷售解決方案。報告期內，平台已形成泛金融、工商財稅、知識產權等六大行業垂直解決方案，並依託「產品+生態」雙輪驅動策略，與頭部生態夥伴共建客戶資源共享網絡，有效降低邊際獲客成本，實現規模化增長。 We realized a breakthrough growth for the To B SaaS business of LittleBlueBook.In this year,we thoroughly consolidated artificial intelligenttechnology,and constructed a one-stop,omni-procedure intelligent salessolution with coverage of potential customers mining, business opportunityoutreach,customer conversion and management.During the ReportingPeriod,the platform has formulated vertical solutions for six industriesincludingpan-finance,industry,commerce and taxation,and intellectualproperty rights. Leveraging the dual-driven “products+ecology” strategies, weandthe leading ecological partners have jointly established a customerresources sharing network to effectively lower the marginal cost of acquiringcustomers and realize scalable growth. 受金融監管政策調整影響，信貸撮合業務規模同比有所收縮。本集團嚴格遵循監管導向，通過持續優化智能風控體系及多元化回收渠道，歷史逾期資產回收率表現符合預期。未來我們將持續強化合規能力建設，確保金融科技業務在動態監管框架下的可持續發展。 Affected by the adjustment of financial regulatory policies, the scale of creditfacilitation business has downsized year-on-year. The Group strictly followsthe regulatory guidance. Through continuous optimization of the intelligentrisk control system and diversified recovery channels, the historical overdueasset recovery rate has performed in line with expectations. In the future,we will continue to strengthen compliance capability building to ensure thesustainable development of financial technology business under a dynamicregulatory framework. 2024年，我們推出了國內首款原廠升頂式新能源多功能汽車Vala，Vala汽車開創了全新的需求場景，依託於帳篷式的斜頂結構，樂高式模塊化設計，高品質的娛樂系統三大核心設計，Vala汽車構建了一個移動複合場景空間，可以廣泛應用於辦公休憩、文娛社交及商業應用等多元場景。 In 2024, we launched Vala, the first domestic original factory roof-raisednew energy multi-functional vehicle. Vala vehicle has created a new demandscenario.Relying on the three core designs of tent-like sloping roofstructure, Lego-style modular design, and high-quality entertainment system,Vala vehicle has built a mobile complex scene space that can be widelyused in multiple scenarios such as office and l