51信用卡2023年度报告

目录 Contents CorporateInformation 公司资料 2 Chairman’sStatement 主席报告 5 ManagementDiscussionandAnalysis 管理层讨论及分析 6 BiographicalDetailsofDirectorsandSeniorManagement 董事及高级管理层履历详情 29 ReportoftheDirectors 董事会报告 34 CorporateGovernanceReport 企业管治报告 76 Environmental,SocialandGovernanceReport 环境、社会及管治报告 103 IndependentAuditor’sReport 独立核数师报告 145 ConsolidatedStatementofComprehensiveLoss 综合全面亏损表 156 ConsolidatedStatementofFinancialPosition 综合财务状况表 158 ConsolidatedStatementofChangesinEquity 综合权益变动表 160 ConsolidatedStatementofCashFlows 综合现金流量表 162 NotestotheConsolidatedFinancialStatements 综合财务报表附注 163 Five-YearFinancialSummary 五年财务资料概要 320 51信用卡有限公司2023年度报告1 公司资料 CorporateInformation BOARDOFDIRECTORSEXECUTIVEDIRECTORS Mr.SunHaitao(ChairmanandChiefExecutiveOfficer) Ms.WuShan NON-EXECUTIVEDIRECTORS Ms.ZouYunli Ms.JiangChloeCuicuiMs.GaoLi INDEPENDENTNON-EXECUTIVEDIRECTORS Mr.YeXiangMr.XuXuchuMr.ShouJian COMPANYSECRETARY Ms.TsangSinMan AUTHORISEDREPRESENTATIVES Ms.WuShan Ms.TsangSinMan AUDITCOMMITTEE Mr.YeXiang(Chairman) Ms.ZouYunliMr.XuXuchu REMUNERATIONCOMMITTEE Mr.YeXiang(Chairman) Mr.SunHaitaoMr.XuXuchu 董事会执行董事 孙海涛先生（主席兼行政总裁）吴珊女士 非执行董事 邹云丽女士蒋璀璀女士高莉女士 独立非执行董事 叶翔先生徐旭初先生寿健先生 公司秘书 曾倩雯女士 授权代表 吴珊女士曾倩雯女士 审核委员会 叶翔先生（主席）邹云丽女士 徐旭初先生 薪酬委员会 叶翔先生（主席）孙海涛先生 徐旭初先生 251CREDITCARDINC.2023AnnualReport 公司资料 CorporateInformation NOMINATIONCOMMITTEE Mr.SunHaitao(Chairman) Mr.YeXiangMr.XuXuchu AUDITOR ZhonghuiAndaCPALimited CertifiedPublicAccountants RegisteredPublicInterestEntityAuditor PRINCIPALBANK BankofChinaLimitedHangzhouWenyiSub-branch No.310,WenyiRoad,XihuDistrictHangzhou,Zhejiang,PRC REGISTEREDOFFICE ThirdFloor,CenturyYardCricketSquare,P.O.Box902GrandCayman,KYI-1103CaymanIslands HEADQUARTERANDPRINCIPALPLACEOFBUSINESSINTHEPRC BuildingB3,CECEPXixiCenterNo.588WenyiWestRoadXihuDistrict,HangzhouZhejiang,PRC COMPANY’SLEGALADVISERASTOHONGKONGLAW Chiu&Partners 提名委员会 孙海涛先生（主席）叶翔先生 徐旭初先生 核数师 中汇安达会计师事务所有限公司执业会计师 注册公众利益实体核数师 主要往来银行 中国银行股份有限公司杭州文一支行 中国浙江省杭州市西湖区文一路310号 注册办事处 ThirdFloor,CenturyYard CricketSquare,P.O.Box902GrandCayman,KYI-1103 CaymanIslands 总部及中国主要营业地点 中国 浙江省杭州市 西湖区文一西路588号中节能西溪首座B3幢 公司之香港法律顾问 赵不渝马国强律师事务所 51信用卡有限公司2023年度报告3 公司资料 CorporateInformation PRINCIPALPLACEOFBUSINESSINHONGKONG Office2401Aon24thFloorTowerOne,LippoCentre89Queensway HongKong PRINCIPALSHAREREGISTRARANDTRANSFEROFFICE TricorServices(CaymanIslands)LimitedThirdFloor,CenturyYard CricketSquare,P.O.Box902GrandCayman,KYI-1103CaymanIslands HONGKONGSHAREREGISTRAR TricorInvestorServicesLimited17/F,FarEastFinanceCentre16HarcourtRoad HongKongSTOCKCODE2051 WEBSITE www.u51.com 香港主要营业地点 香港 金钟道89号力宝中心 一座24楼2401A室 主要股份过户登记处 TricorServices(CaymanIslands)LimitedThirdFloor,CenturyYard CricketSquare,P.O.Box902GrandCayman,KYI-1103 CaymanIslands 香港证券登记处 卓佳证券登记有限公司香港 夏悫道16号 远东金融中心17楼 股份代号 2051 网址 www.u51.com 451CREDITCARDINC.2023AnnualReport 主席报告 Chairman’sStatement DearShareholders, 2023markedthefirstyearofgeneraleconomicrecoveryinthepost-COVID19eraandvisibilityoftheoperatingenvironmenthadremainedlow.Nevertheless,theGrouphadbeenconductingitsbusinessesproactivelywhilemaintainingstabilityoftheoveralldevelopmentofeachofitsbusinesssegments. Wehadmadestrategicadjustmentstoourfinancialtechnologyandcreditfacilitationbusiness,whichwebelievedtobebeneficialtothedeploymentoftheGroup’soverallbusinessresourcesandtomaximizationofgain.Notwithstandingthedownsizinginthisbusiness,recoveryofourhistoricaloverdueassetshadbeensatisfactory,thankstotheimprovementinoverallrecoveryefficiencyasaresultofourproactiveexpansioninchannelsofrecoveryandtheapplicationofsmarttechnology.Goingforward,wearecommittedtoensuresmoothoperationofourfinancialtechnologyandcreditfacilitationbusinessandstrictlycomplywiththeever-changingregulatoryandcompliancerequirements. 卓信大数据计划 杭州国际数字交易中心 TheLittleBlueBook’sSaaSbusinessachievedabreakthroughinbusinessscaleandoperatingresultsin2023withourcontinuedexpansioninnumberofcooperatingusersandcoverageofsectorcategories.Moreover,wehadactedproactivelyinresponsetorelevantdatasecuritypoliciesandregulations.TheLittleBlueBookhadbeenshortlistedforthatyear’sZhuoxinBigDataProject()oftheMinistryofIndustryandInformationTechnology,andhadbeensuccessfullyadmittedtoHangzhouInternationalDigitalExchangeCentre().Thesemilestonesdemonstratedourongoingeffortsindatasecurityandcompliance.Wehadmaintainedahighlevelofexchangeofinformationandviewsandcollaborationwithintheindustry,strivingtoprovidemoretrustworthydatasupporttoourcustomers.Goingforward,wewillcontinuetometiculouslydevelopandcultivatethissubsegment,enhancingproducts’overallcompetitivenessbyintegratingAItechnology,aswellasworkwithalargernumberofhigh-calibreusersfortheprovisionofefficientfull-processcustomeracquisitionsystemtothoseusers. Astoourcampingservices,againstthebackdropoftheliftingofallpandemic-relatedrestrictions,lowvisibilityregardingtheprospectofgeneraleconomicrevival,andthechallengeimposedbytheshort-termimpactonshort-haultravel,wehadpromptlyadjustedourbusinessstrategytoidentifyandsecurequalitycampsiteswithdistinctivefeaturesandsignificantop