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維信金科派期末股息15港仙

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2022年3月24日 08時11分

 

維信金科派期末股息15港仙

未來爭取保持兩至三成派息率 為股東締造持續性投資回報

香港, 2022年3月24日 – (亞太商訊) – 中國領先的獨立在線消費金融供貨商維信金科控股有限公司(「維信金科」或「集團」;股份代號:2003. HK)欣然公布截至2021年12月31日止年度(「本年度」)的經審核綜合業績。

本年度,集團總收入大幅上升34.4%至人民幣34.58億元(2020年:人民幣25.73億元),而集團凈利潤為人民幣11.79億元(2020年:凈虧損人民幣8.70億元),成功轉虧為盈。另外,集團銳意為股東創造持續性投資回報,務求與股東分享集團努力經營之成果,因此繼中期業績時首次宣派股息後,董事會建議派發末期股息每股15港仙,連同已派發之中期股息及特別末期股息每股20港仙,全年派息合共每股35港仙。

儘管疫情和宏觀經濟環境帶來挑戰和不確定性,維信金科在以科技為重點的風險管理和動態運營戰略的推動下,於本年度取得卓越經營表現和亮麗財務業績。受惠於中國宏觀經濟復蘇,貸款實現量大幅增長,加上集團策略性遷移至具有更高質量的借款人和獲客模式,成功提高整體資產質量,帶動貸款撮合服務費顯著增加115.9%至人民幣15.40億元。利息類收入則為人民幣19.72億元,與去年大致持平。

集團主要透過純粹的在線貸款發放流程提供兩大信貸產品,分別為信用卡餘額代償產品和消費信貸產品,該等產品均為分期付款。本年度,交易總數目為3.4百萬宗,信貸產品的平均期限約為9.4個月,平均貸款規模約為人民幣11,965元。集團不斷調整風險管理和信貸政策,以保持審慎的風險處理方式和運營效率,從而實現出色的業務增長和可控的信貸風險績效。

客戶群數量質量齊升
集團採取積極的管理,加強溝通渠道,專註於市場營銷且具有較高的品牌知名度,並成功擴大用戶基數。維信金科邁向註冊用戶「破億」的門坎,本年內註冊用戶數量增加至1.125億,實現了貸款撮合的顯著增加。與此同時,通過使用人工智能驅動的大數據客戶獲取模式,集團得以提升運營效率、加強目標客戶識別能力並提高市場滲透率;並通過持續優化在線應用程序和系統提升客戶體驗,提高客戶忠誠度和回頭率。受惠於此,集團成功將客戶群轉向更高素質且近乎優質及優質借款人,逾期水平亦顯著改善。

優化風險管理以提升資產質量
集團着重以科技為重點的風險管理,其信用風險模型通過引入多維數據來源、深度分析信貸風險績效和進行複雜的測試來完成迭代過程;同時不斷調整風險管理和信貸政策,以保持審慎的風險處理方式和運營效率,從而在本年度實現顯著業務增長和可控的信貸風險績效。另外,集團的信用風險管理能力卓越,有助集團保持核心競爭力及維持健康的業務增長的有利定位,從而抵禦宏觀經濟的不確定性。本年度,透過適時調整政策和優化風險模型,集團將首次付款逾期率維持在整個行業的低水平,約為0.42%,有利於集團資產質量的提升。

與融資合作夥伴緊密合作、強強連手
為支持業務的快速、可持續發展,集團於本年度與包括全國性股份制商業銀行、消費金融公司和信託基金在內的69個外部融資合作夥伴緊密合作。這些合作夥伴形成了一個多樣化且豐富的融資庫,長期且穩定的合作關係使集團能夠提高融資成本。此外,集團的擔保公司、第三方擔保公司和資產管理公司形成了一個生態系統,確保集團的融資靈活性,並為集團的融資夥伴提供保護。

展望
展望未來,為了締造持續性投資回報,集團將尋求向股東提供定期股息,目標派息率一般介乎集團每年度的經審核凈利潤的20%至30%。然而,派息率將受集團的財務業績、可供分派儲備及現金狀況等多項董事會認為相關的因素影響。

另外,為促進消費金融業務進一步增長及滿足優質客戶的財務需求,集團將致力優化業務策略及提升技術,為客戶提供更佳的服務以提升品牌知名度;通過不斷投入研發技術和人工智能提高風險管理能力,同時加強與金融機構及其他業務合作夥伴的常規化和長期合作,為業務發展構建廣闊的護城河。除繼續發展現有的消費金融業務外,集團亦將積極物色合適的投資或合作收購對象,務求擴大業務規模和提升業務多元性,在瞬息萬變的宏觀環境下保持競爭力。

有關維信金科控股有限公司
維信金科控股有限公司(「維信金科」)是中國領先的獨立在線消費金融服務提供商,擁有超過十年的行業經驗。集團主要向未得到傳統金融機構充分服務的優質及近乎優質借款人提供純在線消費產品,產品的資金全來自持牌金融機構,有關融資結構有能力提供消費信貸服務予全中國客戶。同時,維信金科為合作持牌金融機構提供各種風險裁量程度的解決方案及靈活的利潤分享機制,以加強資金的可擴展性和可持續性。

網址:http://www.vcredit.com/


News URL: https://www.acnnewswire.com/press-release/simplifiedchinese/74022/

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