瀚华金控二零二二年度报告

HANHUAFINANCIALHOLDING ANNUAL 2022年报 CONTENTS 目录 2CorporateOverview 公司概况 4CorporateInformation 公司资料 8FinancialSummary 财务概要 9Chairman’sReport 董事长报告 11ManagementDiscussionandAnalysis 管理层讨论与分析 50Directors,SupervisorsandSeniorManagement 董事、监事及高级管理层 65CorporateGovernanceReport 企业管治报告 87Environmental,SocialandGovernanceReport 环境、社会及管治报告 110ReportoftheBoardofDirectors 董事会报告 127ReportoftheBoardofSupervisors 监事会报告 130IndependentAuditor’sReport 独立审计报告 147ConsolidatedStatementofProfitorLoss 合并损益表 148ConsolidatedStatementofProfitorLossandOtherComprehensiveIncome 合并损益及其他综合收益表 149ConsolidatedStatementofFinancialPosition 合并财务状况表 152ConsolidatedStatementofChangesinEquity 合并股东权益变动表 154ConsolidatedCashFlowStatement 合并现金流量表 156NotestotheConsolidatedFinancialStatements 财务报表附注 CorporateOverview 公司概况 FoundedinChongqingin2004,HanhuaFinancialHoldingCo.,Ltd.(“HanhuaFinancial”,“Hanhua”orthe“Company”,togetherwithitssubsidiariesnamedasthe“Group”,“we”,“our”or“us”)(StockCode:3903)waslistedonTheStockExchangeofHongKongLimited(“HongKongStockExchange”)viaissueofHsharesoftheCompany(“HShares”)in2014,andhasnowexpandeditsbusinessportfoliotoincludecreditguarantee,commercialbanking,financialassetmanagementandequityinvestment.Asattheendof2022,theCompanyhadaregisteredcapitalofRMB4.6billion,totalassetsofRMB11.48billionandnetassetsofRMB7.97billion.Sinceitsestablishment,theCompanyhasrecordedcumulativebusinessturnoverofoverRMB300billion,providingservicestomorethan200,000smallandmedium-sizedenterprises(“SMEs”)andmorethan2,000,000individualcustomers. Creditguarantee.HanhuaFinancingGuaranteeCo.,Ltd.(“HanhuaGuarantee”),establishedin2009witharegisteredcapitalofRMB3.5billion,hasestablished29branchesacrossthecountryandgainedalong-termcorporatecreditratingofAA+.Asattheendof2022,HanhuaGuaranteehadnetassetsofRMB4billion,andaccumulatedguaranteebalanceofRMB100billion.HanhuaGuaranteehasprovidedservicestoatotalof50,000SMEs. 瀚华金控股份有限公司（“瀚华金控”、 “瀚华”、“公司”或“本公司”，连同其附属公司“本集团”或“我们”）（股份代号：3903）2004年创立于重庆，2014年在香港联合交易所有限公司（“香港联交所”）发行H股上市，目前已形成了信用担保、民营银行、金融资产管理等业态。 截至2022年末，公司注册资本46亿元，总资产114.8亿元，净资产79.7亿元。成立至今，累计业务发生额超过3,000亿元，服务中小企业客户20余万家，个人客户200余万户。 信用担保。瀚华融资担保股份有限公司 （“瀚华担保”）成立于2009年，注册资本 35亿元，在全国设有29家分支机构，长期主体信用评级AA+。截至2022年末，净资产40亿元，累计担保额超1,000亿元，累计服务中小企业5万家。 2 HanhuaFinancialHoldingCo.,Ltd.瀚华金控股份有限公司 CorporateOverview 公司概况 Financialassetmanagement.LiaoningFu’anFinancialAssetManagementCo.,Ltd.(“Fu’anAsset”)wasestablishedin2017jointlybyHanhuaFinancial(astheleadpromoter)andalocalstate-ownedenterprise,witharegisteredcapitalofRMB1billion.Fu’anAssetisthesecondlocalassetmanagementcompanyinLiaoningProvince.BasedinLiaoningandradiatingacrossthecountry,Fu’anAssetprovidesfinancialinstitutionsandenterpriseswithservicessuchastransferanddisposalofnon-performingassets,debtrestructuring,investmentmanagement,financinginnovation. Commercialbanking.ChongqingFuminBankCo.,Ltd.(“FuminBank”),aprivatebankestablishedin2016withHanhuaFinancialastheleadpromoter,isownedasto30%byHanhuaFinancial,itslargestshareholder.FuminBankisthefirstprivatebanknormallyapprovedbythegovernment.Inlinewithitsmissionof“supportingmicrobusinesses&helpingstartupsandenrichingthepeople&prosperingthecountry”,FuminBankiscommittedtobetterservingmicroandsmall-sizedenterprises,agriculturalindustry,ruralareasandfarmersaswellasinnovativestartupsbyinnovatingtheservicemethodsandbusinessmodelsofdigitalinclusivefinance.Sinceitsestablishment,FuminBankhasdevelopedaseriesofdigitalfeaturedproductssuchasFuminBao,FuyiLoanandE-BillsQuickDiscountingtocatertotheneedsofSMEs,whichwasrecognizedbythePeople’sBankofChinaandwell-receivedamongcustomers.Asattheendof2022,FuminBankhadtotalassetsofRMB54.87billion,withitsfinancialservicesbenefitingmorethan10millioncustomers,andrecordedtotalcomprehensiveincomeofRMB310millionin2022. 金融资产管理。2017年，瀚华金控联合地方国企主发起成立注册资本10亿元的辽宁省第二家地方资产管理公司－辽宁富安金融资产管理有限公司（“富安资产”）。富安资产立足辽宁，辐射全国，为金融机构及企业提供不良资产转让处置、债务重组、投资管理、融通创新等服务。 民营银行。2016年，瀚华金控主发起设立民营银行－重庆富民银行股份有限公司（“富民银行”），瀚华金控持股30%，为第一大股东。富民银行是常态化审批的第一家民营银行。富民银行以“扶微助创、富民兴邦”为使命，紧密围绕服务小微、三农和创新创业，开展数字普惠金融的服务方式和业务模式创新。成立以来富民银行围绕中小企业客户需求，开发出富民宝、富易贷、电子票据极速贴现等数字化特色产品，受到央行肯定和客户认可。截至2022年末，富民银行资产总额548.7亿元，累计服务客户超1,000万，2022年实现综合收益总额3.1亿元。 3 AnnualReport2022二零二二年年报 CorporateInformation 公司资料 EXECUTIVEDIRECTORS Mr.ZhangJun(Chairman)Mr.ZhangGuoxiang Mr.CuiWeilan NON-EXECUTIVEDIRECTORS Ms.LiuJiaoyangMs.LiuTingrongMs.WangFangfeiMr.FengYongxiangMr.LiuBolin INDEPENDENTNON-EXECUTIVEDIRECTORS Mr.CaoZiweiMr.LiWei Mr.HuYuntongMr.XuHongcai Mr.BaiQinxian(Retiredon16October2022)Mr.DengZhaoyu(Retiredon16October2022)Mr.QianShizheng(Retiredon16October2022)Mr.NgLeungSing(Retiredon16October2022)Mr.YuanXiaobin(Retiredon16October2022) SUPERVISORS Mr.HeZhonghuaMr.HeYu Mr.ChenZhonghua Mr.LiRuping(Retiredon16October2022)Ms.QinYong(Retiredon16October2022) AUDITCOMMITTEE Mr.HuYuntong(IndependentNon-executiveDirector)(Chairman)Ms.LiuJiaoyang(Non-executiveDirector) Mr.LiWei(IndependentNon-executiveDirector) NOMINATIONANDREMUNERATIONCOMMITTEE Mr.CaoZiwei(IndependentNon-executiveDirector)(Chairman)Mr.Zhang