主营介绍

  • 产品类型:

    金融电子及服务行业、智能快件箱行业

  • 产品名称:

    金融安防业务 金融自助业务 BPO业务 速递易业务

  • 经营范围:

    生产、销售商用密码产品;安全技术防范;第二类增值电信业务中的呼叫中心业务。(以上项目及期限以许可证为准)。一般经营项目(以下范围不含前置许可项目,后置许可项目凭许可证或审批文件经营):计算机软件业、技术服务业;电子、电气、机电产品的开发、生产;安全技术防范工程的设计、施工;建筑智能化工程的设计、施工;进出口业;职业技能培训;档案管理服务;商品批发与零售;银行自助设备的清机、维修、远程值守服务;票据及其档案影像处理外包服务;物流、仓储信息系统设计及技术服务;金融外包服务。(依法须经批准的项目,经相关部门批准后方可开展经营活动)。

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 金融电子及服务行业 3.32亿 100.00% 3.10亿 100.00% 100.00% 6.64%
按产品 BPO业务 3.19亿 96.10% 2.98亿 95.97% 98.05% 6.77%
金融自助业务 1028.65万 3.10% 994.99万 3.21% 1.53% 3.27%
其他产品 265.26万 0.80% 255.92万 0.83% 0.42% 3.52%
按地区 国内 3.32亿 100.00% 3.10亿 100.00% 100.00% 6.64%

董事会经营评述

  一、概述  近年来,随着科学技术在金融行业的广泛应用,科技不断渗透和改变着传统金融行业的发展模式。公司自成立以来一直秉承"关注电子科技最新发展,致力金融服务现代化"的经营理念,经过20余年为银行等金融机构提供设备与服务,在银行等金融机构的软硬件技术与业务流程方面有着较为深厚的积累与理解。公司深入研究金融行业发展趋势的同时,结合自身积累与优势,把握行业发展孕育的市场机会,重点布局金融科技,坚持以科技提升金融服务的发展思路,引入核心技术人才,为公司金融科技发展战略落地构建基础。  报告期内,公司继续加大对金融服务外包业务的投入,向外包业务经营主体维度金融增资,其公司注册资本由6,000万元增至... 查看全部▼

  一、概述
  近年来,随着科学技术在金融行业的广泛应用,科技不断渗透和改变着传统金融行业的发展模式。公司自成立以来一直秉承"关注电子科技最新发展,致力金融服务现代化"的经营理念,经过20余年为银行等金融机构提供设备与服务,在银行等金融机构的软硬件技术与业务流程方面有着较为深厚的积累与理解。公司深入研究金融行业发展趋势的同时,结合自身积累与优势,把握行业发展孕育的市场机会,重点布局金融科技,坚持以科技提升金融服务的发展思路,引入核心技术人才,为公司金融科技发展战略落地构建基础。
  报告期内,公司继续加大对金融服务外包业务的投入,向外包业务经营主体维度金融增资,其公司注册资本由6,000万元增至1.2亿元,整体竞争能力得到进一步提升。报告期内维度金融在保持传统业务行业领军地位的同时加大了科技创新力度,面向市场推出了多项创新服务产品,创新业务同比取得了较快的增长;同时公司积极引入互联网、大数据、物联网等领域的核心技术人才与团队,关注并研究前沿技术。截至本报告披露日,公司先后设立了深圳三泰互联科技有限公司、深圳三泰商业保理有限公司、广州三泰融资租赁有限公司,为未来业务发展搭建平台,不断夯实主营业务。报告期内,公司继续强化现金管理,保证资金安全,为公司战略转型提供资金保障。此外公司继续推动内部管理变革与业务升级,在业务上强化内控与财务管理,全面开源节流;完善绩效考核机制,增强企业活力和凝聚力,企业整体管理水平得到进一步提升。
  报告期内,公司营业收入3.42亿元,同比下降10.06%,净利润-1.29亿元,同比增长34.57%。

  二、公司面临的风险和应对措施
  1、传统业务行业竞争加剧,领先优势弱化的风险
  随着宏观经济与金融行业的整体发展趋势,金融机构在选择服务供应商时,其价值判断由成本导向往创新导向转变,金融服务外包的供应商亦将由提供成本低廉的服务供应商转变为金融机构的智慧型战略合作伙伴,金融服务外包行业整体面临转型,行业竞争程度加剧,企业竞争维度更为多样化。
  针对以上风险,维度金融将依托多年深厚的客户基础和经验优势,通过深入的实地调查,规划好每个客户的管理工作,谨慎作出每一个服务决策;另一方面,为了应对复杂和多变的市场,维度金融将充分整合现有的资源和优势,不断提高技术能力,完善自身产品和服务,提高服务质量,增强企业的竞争力,从而降低相应的市场竞争风险。
  2、新业务发展具有一定的不确定性
  公司重点布局金融科技领域,坚持以科技提升金融服务的发展思路,公司已投资设立三泰互联、三泰保理、广州三泰融资租赁等业务平台。在此过程中,公司对互联网、大数据、物联网等核心技术及对应的技术研发人才和管理人才需要快速增加,公司面临高层次人才短缺的问题;相对于传统业务,金融科技业务推进存在一个教育和引导用户的时间和过程,业务推进进展具体一定的不确定性。
  针对以上风险,公司将进一步完善人才保障的常态化机制,公司在社会招聘人才的同时,积极发掘和培养公司内部有潜力的员工,通过提供畅通的晋升渠道、有竞争力的薪酬条件、改善员工办公条件、推行多元激励机制等措施,来满足公司业务发展对人才的需求;此外,公司将积极制定应对措施,发挥公司既有优势,整合多方资源,打通上下游渠道,逐步培育出完整的业务闭环,增强服务与产品的盈利能力,并积极提升服务品质与优化客户体验以增强市场竞争力。

  三、核心竞争力分析
  公司主要核心竞争力如下:
  (一)技术创新优势
  公司多年来始终将技术创新作为重中之重,积极探索各类前沿新兴技术,推动大数据、语音识别等技术在金融服务外包中的应用,成功降低了服务成本,提升服务了效率,优化了客户体验。从业务体量来看,公司在行业中保持领先地位,成功完成多家大型银行业务外包项目的软件实施工作,积累了丰富的项目实施经验和技术支持经验。在相关技术方面已拥有一定的自主知识产权,具备一定的自主创新能力。在坚持技术创新的同时,公司培养出了一批拥有专业技术和创新能力的团队,该批团队专注于金融科技服务平台的研发与运维,保障了公司主营业务的持续增长。同时公司积极引进技术人才,为公司未来面向用户推出科技赋能服务、金融科技服务提供人才储备。
  (二)规模优势
  经过公司在金融外包服务领域多年来的耕耘,公司品牌认知度不断提高,持续为中国工商银行、农业银行、中国银行、建设银行等十余家银行提供总行级服务,服务客户近400家,涵盖了国有银行、股份制商业银行、外资银行、城市商业银行、农村商业银行和金融外包机构,与客户建立了稳固的合作伙伴关系。
  截至报告期末,公司产品用户覆盖银行网点超过2万个,外包服务人员超过1万人,整体业务规模位于行业领先地位。
  (三)战略资源优势
  2017年8月,公司完成对原全资子公司成都我来啦的重大资产重组,引入中邮资本、驿宝网络和亚东北辰三家战略投资者。通过本次交易,实现战略资源的整合,将中国邮政、菜鸟供应链、复星集团的优势资源与中邮速递易业务充分整合,丰富成都我来啦业务内容,改善业务流程,增强客户体验,从而降低运营成本,提升成都我来啦的市场竞争力。公司作为持有成都我来啦34%股份的重要股东,根据相关协议约定,在遵守相关法律法规前提下,公司可以利用成都我来啦的流量资源,促进公司现有业务发展,有利于提升公司整体竞争力。
  (四)线下运营能力
  公司金融外包业务通过十余年的快速发展,在全国主要城市建立了百余个现场外包中心,为金融客户提供优质的驻场服务,线下项目团队逾万人,每个外包项目均有10%以上的专业人员储备,可及时支持新项目上线;并在全国分部基地建立了离场服务中心,承接金融机构总部级的离场服务外包工作。通过多方位、全天候的立体服务体系与标准化的服务管理策略,形成了较强的线下运营能力。 收起▲