嘉银科技2026年第二季度业绩电话会议纪要

发布时间：2026-08-30 一、AI总结内容 一、核心业绩与行业背景 1. 行业层面：2026年二季度我国居民短期消费贷款余额较一季度末下降约1900亿元，行业监管政策持续落地，个别事件影响下机构合作更趋谨慎，行业灰黑产迭代快、伪装性强、盘活化趋势明显，给机构造成的损失日益增加 2. 公司层面：2026年二季度实现成交金额95亿元，同比下降约74.4%；录得净亏损约1.836亿元，去年同期净利润5.191亿元；基本及摊薄每股净亏损0.89元，去年同期每股净收益2.46元，每ADS净亏损3.56元，去年同期每股净收益9.84元 二、业务战略与核心动作 1. 国内业务：顺应行业变化加快业务结构调整，主动收缩风险敞口，稳步缓释存量风险，聚焦核心优质客户，加大回收力度，30天回收率环比稳步提升；二季度末90天以上逾期率2.21%，环比保持稳定 2. 海外业务：作为战略转型重点锚点，印尼合作伙伴二季度业务规模同比增58%、环比增10%，通过升级风险策略框架、推进分客群精细化运营改善获客成本效率，本地金融机构合作网络持续扩容；墨西哥市场二季度业务规模环比增36%，获客效率与风控能力稳步提升；公司已全面升级海外业务战略与团队，将东南亚作为核心基本盘，正审慎开展东亚、东非、中亚等新兴市场调研，有序推进全球化扩张 3. 科技赋能：加速从助贷服务商向科技输出方转型，自研的伏羲平台已完成基础设施层、风控层、核心应用层构建，覆盖贷款全周期主要业务环节；授信全链路建模已规模化落地，将传统3-5天的模型优化周期压缩至小时级，模型AUC、KS等风险识别准确率显著优于人工基准 三、运营与风控优化 1. AI应用：全面嵌入核心运营价值链，客服、贷款申请录入等关键场景实现端到端AI全覆盖，部分岗位完全替代人工；风控端结合大模型与机器学习自研策略辅助智能体，推动风险策略从人工专家建模向AI辅助建模、机器自动计算升级，策略迭代效率提升10倍以上，关键场景精细度提升20%以上 2. 反欺诈：针对灰黑产新态势迭代多模态策略体系，精准识别真实用户与代理欺诈的行为差异；截至6月末累计主动拦截黑产恶意欺诈申请17.6万件，识别并拦截高风险惯性欺诈申请超26.4万件，有效拦截欺诈代理投诉，保障机构合作伙伴与借款人权益 四、财务与资本规划 1. 财务健康：二季度末现金及现金等价物提升至5.04亿元，较上季末的4.34亿元增加，提供应对行业周期的财务缓冲 2. 战略安排：综合外部环境与发展需要，决定暂不发布2026年第三季度业绩指引，同时暂停当年年度分红；通过灵活调节资本配置与运营节奏，将内部资源聚焦于业务转型与风险防御五、问答环节 1. 本次电话会议问答环节无问题提交，会议结束 二、音频原文（转写） Good day, ladies and gentlemen. Thank you for standing by and welcome to the Jai Yin Group secon d quarter 2026 earnings conference call. Currently, all participants are in listen-only mode. Later, we will conduct a question-and-answer session, and instructions will follow at that time. As a reminder, we are recording today's call. Ifyou have any objections, you may disconnect at this time. I will now turn the call over to Mr. Sam Lee for investor relations. of Jia Yin Group.Please proceed. Thank you, operator. Hello, everyone. Thank you all for joining us on today's conference call to discuss Jia Ying Group's financial results for the second quarter of 2026. Wereleased our earnings results earlier today. Thepress release is available on the company's website as well as from newswire services. On the call with me today are Mr. Yan Dingwei, Chief Executive Officer, and Mr. Fan Chunling. Chief Financial Officer. Before we continue. Please note that today's discussion will contain forward looking statements. made under the safe harbor provisions of the U.S. private securities litigationact reform act of nineteen ninety five. Forwardlooking statement. involve inherent risk. and uncertainties. as such The company's actual results may be materially different from the expectation. express today further information regardingthe and other Hang on a second, please. is included. In the company's public filings with the sec. The company does not assume any obligation toupdate any forward-looking statements It's. yeah. as required under applicable law. Also, thiscall includes discussions of certain non GAAP financial measures Please refer to our earnings release. which contains a reconciliation of the non-GAAP financial measures to Yeah, financial measures. Please note that, unless otherwise. 对对。 Law figures mentioned during the conference callare in Chinese and maybe. With that, let me nowturn the call over. to our CEO 那车员定位。Mr. Yang will deliver his remarks in Chinese. and I will f ollow up with corresponding English translations. Please go ahead, Mr. Yen. 大家好。 感谢各位参加佳音科技2026年第二季度业绩变化会议。Hello everyone. Thankyou for joining Giant Group. second quarter of twenty twenty six. Earnings Conference Call. 根据人行数据统计。二季度我国居民短期消费贷款余额较一季度末 下降了约一千九百亿元。 行业监管政策持续落地。受个别事件影响。机构合作更需谨慎。嗯。 在此背景下，公司顺应行业变化，加快业务结构的战略性调整。本季度公司实现出货交易额 九十五亿元。同比下降约百分之七十。这里。 是寒性收缩与 公司战略调整的双重意义。想。本季度 落得净亏损。约一点八亿元 Accordingto the statistics. From the people think of China. the outstanding balance of short term household consumer loan in China decreased by approximately RMB 190 billion in the second quarter compared to the end of the first quarter. as industryregulatory compliance requirements continue totake effect. influenced by isolated industry events. institutional funding partners have adopteda more cautious approach. Against this backdrop. the company proactively adapted to changes inthe industry and accelerated the strategic adjustment of our business structure. during the quarter. the company achieved Transaction volume ofRMB. nine point five billion representing a year-over-year decrease of approximately seventy four point four percent. driven by both the industry-wide contraction and our strategic adjustment.We recorded a net loss of approximately RMB 180million. for the quarter. 为应对 流动性收紧所带来的影响，我们主动收缩风险敞口。 稳步 反射 存量风险。只保留核心优质客户的基本盘，同时加大回收力度。三十天回收率环比稳步提升。截至二季度末 九十天以上逾期 率。 为百分之二点二一。环比保持稳定。in response to impacts brought by industry-wide liquidity tightening. We proactively reduced our risk. exposure and steadily mit igated. existing portfolio risk. concentration concentrating our focus on our core base of highquality borrowers. at the same time. We intensified our collection efforts. and the 30-day collection rate improved consecutively quarter-on-quarter. As of the end of the second quarter. The 90-plus day