中盈盛达融资担保2025年度报告

(A joint stock limited liability company incorporated in the People’s Republic of China)Stock Code1543 A NNUA L REP OR T2025 CONTENTS 2Corporate Profile3Corporate Information6Financial Highlights7Chairman’s Statement10Management Discussion and Analysis50Directors, Supervisors and Senior Management69Corporate Governance Report100Environmental, Social and Governance Report209Report of the Board of Directors239Report of the Board of Supervisors240Independent Auditor’s Report251Consolidated Statement of Profit or Loss andOther Comprehensive Income254Consolidated Statement of Financial Position256Consolidated Statement of Changes in Equity258Consolidated Cash Flow Statement260Notes 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. 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. 2011720146 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. EXECUTIVE DIRECTOR Mr. Wu Liejin(Chairman of the board of directors and president) NON-EXECUTIVE DIRECTORS Mr. Huang WeiboMr. Zhao WeiMr. Pan MingjianMs. Feng QunyingMr. Ou Weiming INDEPENDENT NON-EXECUTIVE DIRECTORS Mr. Wu XiangnengMr. Leung Hon ManMs. Li Xia SUPERVISORS Mr. Li Qi(Chairman)Ms. Li WanminMr. Huang ShaoxiongMs. Huang Yuzhen AUDIT COMMITTEE Mr. Wu Xiangneng(Chairman)Mr. Huang WeiboMs. Feng QunyingMr. Leung Hon ManMs. Li Xia REMUNERATION AND APPRAISAL COMMITTEE Mr. Leung Hon Man(Chairman)Mr. Huang WeiboMr. Ou WeimingMr. Wu XiangnengMs. Li Xia NOMINATION COMMITTEE Mr. Wu Liejin(Chairman)Mr. Zhao WeiMr. Wu XiangnengMr. Leung Hon ManMs. Li Xia CORPORATE INFORMATION (CONTINUED) RISK MANAGEMENT COMMITTEE Mr. Wu Xiangneng(Chairman)Mr. Wu LiejinMr. Pan MingjianMs. Feng QunyingMs. Li Xia STRATEGY COMMITTEE Mr. Wu Liejin(Chairman)Mr. Zhao WeiMr. Pan MingjianMr. Ou WeimingMs. Li Xia COMPANY SECRETARY 20251010 Mr. Lau Kwok YinMr. Ou Weiming (retired on 10 October 2025) AUTHORISED REPRESENTATIVES Mr. Wu LiejinMr. Lau Kwok Yin REGISTERED OFFICE 3114101–4110 Room 4101–4110, Block 1Join-Share International Financing CenterNo. 31 Fuhua RoadDongping Community, Lecong Town, Shunde DistrictFoshan, Guangdong Provincethe PRC PRINCIPAL PLACE OF BUSINESS IN HONG KONGPRC 24840 40th Floor, Dah Sing Financial CentreNo. 248 Queen’s Road EastWanchaiHong Kong PRC PRINCIPAL PLACE OF BUSINESS IN PRC 3114101–4110 Room 4101–4110, Block 1Join-Share International Financing CenterNo. 31 Fuhua RoadDongping Community, Lecong Town, Shunde Di