汇鑫小贷2025年报

2025 2462733505265102107108109110111173174 20256122025612 20256122025612 (ACG, HKACG) 20256122025612 785-24 10535 20256122025612 2泉州匯鑫小額貸款股份有限公司二零二五年年報 200 131 www.qzhuixin.net 689 857 1577 474 H 148212103B 2025 20251231109.4100.11,055.3 2025GDP5.0%140 AIAI 2026 20142015122016–2020[2015]74201720182021 2025 202512311,367.220251231110.2 (1)(2) 20241231727.7202512311,055.3 2024123137.4131.45.1%18.1%202412312025123150.0142.54.7%13.5%202512314411%18%648 2025123190.6%9.4% (1) 202420251231190.1178.426.0%16.9% 2024123126190.1202512312024123144.6202412311.32025123120241231144.240.9 2025123131178.443.2 20241231190.120251231178.4 (1) (2) 9 202412314.0202512318.36.02024123121.92025123114.57.0 (1)(2)(3)(4)(5) 2024123127.12025123130.9202412313.7%202512312.9% 20251231 10% H20169305.070%70% (i)(ii) (1)(2) 20241231112.72.2%20251231110.22024567.018%2025669.220242025123114.72%13.22% (1)(2) 202412318.22025123118.9 20242025123113.113.3 2024202512313.7%4.6%20242025123152.9%53.6% 2024123123.02025123123.9(i)(ii) 2024123154.92025123170.5(i)33.3(ii)33.8(iii)3.4 20242025123120081120172242018122925%20242025123129.836.123.6%26.5% 20242025123196.3100.120242025123191.799.9 20241231-9.2%202512313.6%(i)(ii) (i)(ii)(iii) 20251231114.5107.4(i)46.3(ii)60.1(iii)12.6(i)324.5(ii)0.6 202512310.881.1 2025123171.7(i)147.4(ii)34.0(iii)40.0 202420251231103.059.3 202420251231103.059.3 90 20241231670.2202512311,003.1 2025123190.6%9.4% 202420251231202412315.0%92.9%202512317.9%89.4% 20251231AETF 2025123121915.3%38.28%483.4%2.80%2024202512315% 202412315.6202512315.621 2024123124.32025123125.4 2024123123.3202512317.8 2024202512313.113.7 20242025123110.09.3 202412311.0202512311.81.8 20251231 (i)(ii) 202592920259292914A (1)100%(2)100%(3)100%(4)100% 202412317.5%202512317.8%202412317.8%202512317.0%2024123158.8%2025123173.7%20241231–9.2%202512313.6% 20251231 20251231 202512315% 20251231 20251231 2025123156 2025123113.1213.19 202620263.3%(AI)AI4.5%–5% 2026 4920256121820154202052020620206202562013720154201082013720101201072007620101200432007620039200431999920039 19997 6320101838201018201018202111819811198761987719935199350020291997120081020002 2013122013112820104201312018120111220161220171220179201212 4420131111201493202111820147102021118222013111120037200512005220062200622008520086201072010820143 2006220138920037 4920178252021722015620176201192015620087201182000720049 199972008720118 5020156123119941997200310 200332620052008201220171 39201861220171200992006920099 200920132023202512 201612 4920236920175201732008520058 20057 5120236922202410120234111978201941202343202056202341122782012642015123120168222019331131420143201732012620152 19991120151120032011 622023692022620201202259042018820191220123201876036962011120122199992010121986719998 19866 38202161120163201782220146232018320139201462011920138 2011820116 45201471020103120047200662006720102 720111 382016242017822201861220124 20117 49201512152000102002420025201110201111201712017120013 20007 4820151215200172003920051020091220091220159201510 2009814200912202001720067 20251231 20101810535785–24131 20251231 C2 202512311 20251231 33 2025123130% 202512315% 20251231 27 2026626202512310.0520266112026814 20265122026611H2026511430H148212103BH10535 202512312026814202662620266222026626H2026618430H148212103BH10535 2025123124 2025123119A.28B19A.28B19A.28BH25% 20251231H26.47% 20251231HH (i)H—14,000(ii)H—179,986,000(iii)500,000,00020251231 2025123120251231 20251231 2025123120256123.09D 3.13 469 10 20251231 20251231 20251231XVXV78352 (1)LXV (2)20251231 (3)20251231680,000,000180,000,000H500,000,000 (4)40.79%37.82%31.09%31.09% (5)10%63.33%61.08%34.05%4.87% 20251231XVXV78352 20251231XV23336 (2)20251231H (4)50%50%(5)(6)80%(7)63.33%61.08%34.05%4.87%(8)(9)Yue Tai Investment LimitedYue Tai Investment Limited(10)29,396,000H(11)330,000H(12)GoodRising Investments LimitedGoodRising Investments LimitedPleasantAdvent LimitedPleasantAdvent LimitedGoodRisingInvestments Limited 20251231XV23336 2025123120251231 20251231 20251231 (1)(2)10%(3)10%(2)(3)10% 123113.1213.19 20251231C1 20251231820251231 36 20251231 2025929 00202965%35%36.76%2.28%3.32%1.87%14A 20259292026928202692920279282027929202892820,000,00020,000,00020,000,000 20289280.1%5%14A 14A.76(1)(a)14A 2025929 20251231 (1) (2) (3) 300074014A.5620251231 20251231 (1)(2)(3)(4) 14A 20251231 20251231 20251231 2026326 20251231 202512312 20251231 20252025 2026326 C1 202512312025612 (i)(ii)(iii) 4 20251231 20251231 A:B: 3.10(1)3.10A3.10(2) 3.13 202512312(i)202412312025630(ii) 20256122025612 202512311(i)(ii)(iii) 20256122025612 202512311(i)(ii) A.2.1 20251231(i)(ii) C.5.314 202512314 202512312025612 201696 91 20251231562234 •••• 13.51B(1) •2025612 •2025612 •2025612 •2025612 C3 3.29 202512311,600,00050,000ESG 2016125wangshijie@qzhuixin.net • • 131 • 10% • 3% 2025612 20251231 202