主营介绍

  • 产品类型:

    金融软件、金融专用设备、短彩信通讯服务、移动互联网应用服务、电子商务

  • 产品名称:

    金融软件 金融专用设备 短彩信通讯服务 移动互联网应用服务 电子商务

  • 经营范围:

    计算机软硬件、计算机外围设备、金融专用设备、金融机具的技术开发、销售、技术服务;网络技术的开发、技术服务;信息技术研发、技术咨询及技术转让;计算机系统集成;兴办实业(具体项目另行申报),国内贸易(不含专营、专控、专卖商品),经营进出口业务。

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 移动信息服务 6.36亿 56.05% 4.73亿 62.60% 42.95% 25.53%
电子商务 4.18亿 36.90% 2.35亿 31.02% 48.65% 43.94%
金融信息 7999.49万 7.05% 4824.89万 6.38% 8.40% 39.68%
按产品 短彩信通讯服务 4.47亿 38.96% 3.35亿 43.84% 29.54% 25.04%
电子商务 4.18亿 36.46% 2.35亿 30.69% 48.52% 43.94%
移动流量业务 1.15亿 10.04% 1.19亿 15.58% -1.04% -3.41%
移动互联网应用服务 7348.94万 6.40% 1917.68万 2.51% 14.33% 73.91%
金融软件 4721.16万 4.11% 3110.94万 4.07% 4.25% 34.11%
金融专用设备 4198.36万 3.66% 2528.82万 3.31% 4.41% 39.77%
其他 421.17万 0.37% - - - -
按地区 国内 7.49亿 65.27% 5.38亿 70.26% 55.29% 28.20%
国外 3.99亿 34.73% 2.28亿 29.74% 44.71% 42.86%

董事会经营评述

  一、业务回顾和展望  报告期内驱动业务收入变化的具体因素  1、报告期内主营业务经营情况  报告期内,公司实现营业收入28,044.01万元,较上年同期增长30.08%;实现营业利润-1,477.96万元,较上年同期下降208.87%;实现净利润-1,596.43万元,较上年同期下降332.58%。公司主营业务收入的构成主要集中于金融信息化行业、移动商务服务行业、电子商务行业等。  报告期内,公司金融信息化、移动商务、电子商务等主营业务经营情况良好。受对外投资的互联网保险公司长久期业务提取的未到期责任准备金大幅增加而导致的暂时性核算亏损,以及投资的证券公司在业务开展初期尚未实现盈利等因素的... 查看全部▼

  一、业务回顾和展望
  报告期内驱动业务收入变化的具体因素
  1、报告期内主营业务经营情况
  报告期内,公司实现营业收入28,044.01万元,较上年同期增长30.08%;实现营业利润-1,477.96万元,较上年同期下降208.87%;实现净利润-1,596.43万元,较上年同期下降332.58%。公司主营业务收入的构成主要集中于金融信息化行业、移动商务服务行业、电子商务行业等。
  报告期内,公司金融信息化、移动商务、电子商务等主营业务经营情况良好。受对外投资的互联网保险公司长久期业务提取的未到期责任准备金大幅增加而导致的暂时性核算亏损,以及投资的证券公司在业务开展初期尚未实现盈利等因素的影响,导致公司报告期内业绩亏损。报告期内,子公司亿美软通的短彩信移动通讯服务和移动互联网应用业务实现营业收入12,489.92万元,实现营业利润796.70万元,实现净利润743.21万元;子公司科安数字的电子商务业务实现营业收入10,761.24万元,实现营业利润298.26万元,实现归属于母公司的净利润139.04万元。
  2、未来发展展望
  公司目前主营业务包括金融信息化服务、移动商务服务、电子商务三大领域。经过近年来的布局,公司已经成为涉及IT、DT、支付、个人征信、互联网保险等业务领域的综合持牌金融科技(Fintech)公司。未来公司将继续依靠自身的技术、客户资源、行业服务经验等优势,积极推进在金融服务领域的业务延伸发展。通过大力发展个人征信等金融基础服务业务,以及参与发起设立证券、保险等金融服务机构,构建以金融科技为基础的综合金融生态服务体系。在具体经营上,公司将充分发挥在金融服务各业务领域的协同效应,在技术研发、产品创新、商业模式创新和集团化管理等方面狠抓落实,通过为国内金融机构、互联网金融企业、个人消费者提供全面的创新金融科技服务,实现公司经营业绩的快速提升。
  重大已签订单及进展情况:报告期内,公司向前五大供应商采购额占采购总额的比例为53.09%,较上年同期占比增加6.95百分点。公司向单一供应商采购比例未超过30%,不存在依赖单一供应商的情况。
  报告期内,公司前五大客户的销售额占销售总额的比例为14.52%,较上年同期占比增加1.24百分点。公司向单一客户销售比例未超过30%,不存在依赖单一客户的情况。
  报告期内,公司按照既定的发展战略和年度经营计划,各项工作计划进展顺利。
  1.围绕金融信息化、移动商务服务、电子商务等三大主营业务努力开展经营管理工作,实现公司全年经营业绩目标。报告期内,公司扎实推进已有主营业务的经营管理,报告期内营业收入实现了稳定增长。
  2.加强对子公司的业务和运营规范的管理,进一步完善集团化的公司内部控制管理体系。报告期内,公司治理严格按照《公司法》、《证券法》及相关法规的要求和《公司章程》的规定,同时按照公司内控制度目标,完善风险控制系统,规范公司财务管理行为,保证公司各项经营活动的正常有序运作。
  3.整合公司业务资源,发挥各产业布局之间的协同作用,通过创新产品和业务推动公司业绩提升。公司综合金融生态服务体系日臻完善,报告期内公司积极寻求各板块业务协同应用场景,同时密切关注行业及新技术发展动态,深挖市场、客户潜在需求。
  4.根据公司业务发展需要,利用资本市场平台,适时开展对外投资或收购兼并,推进公司外延式发展。报告期内,公司参与发起设立东亚前海证券有限责任公司、安科人寿保险股份有限公司的事项处于正常审批流程中。公司将继续在金融服务领域进行业务延伸,完善综合金融生态服务体系的业务布局。

  二、重大风险提示
  1、新业务发展不达预期的风险
  随着移动互联网、互联网金融、大数据等创新产业的迅猛发展,公司积极探索,把握历史机遇,在个人征信、互联网保险、证券、金融大数据等领域进行了战略布局。已经开展或布局的业务包括:合资成立华道征信发展个人征信服务相关业务;发起设立易安保险开展互联网保险业务;发起设立东亚前海证券等。目前,华道征信与其他发起人共同发起设立百行征信有限公司(以下简称"百行征信"),百行征信已于2018年2月获得中国人民银行个人征信业务经营许可;易安保险已于2016年2月起开业运营;东亚前海证券已于2017年12月获得中国证监会颁发的《经营证券期货业务许可证》,正式对外开展业务。鉴于:百行征信尚处于筹建阶段,业务尚未正式开展;易安保险的互联网保险业务尚未产生良好盈利;东亚前海证券取得经营许可不久,业务开展处于初期阶段。因此,公司新业务的发展仍有较大的不确定性,存在新业务发展不达预期的风险。
  针对上述风险,公司将从战略高度充分重视新业务的发展,充分调集公司人才、技术、资金和平台资源,发挥公司各项业务的整合优势,与各合作方一起,努力推进新业务的快速发展。
  2、运营资金短缺风险
  随着公司新业务板块持续拓展,经营规模不断扩大,公司对运营资金的需求日益扩大。如果不能及时解决资金需求,将给公司的业务运营和后续发展带来风险。针对该项风险,公司首先将加强公司应收账款的管理,进一步严控企业成本,加强自有资金和募集资金的有效利用,持续改善公司现金流情况,确保日常运营资金充足;同时充分利用上市公司融资平台和其他融资渠道,适时筹措运营发展资金,降低公司运营资金短缺的风险。
  3、短期盈利能力风险
  公司按照既定的战略发展规划,持续开拓新的业务领域,推进公司业务向综合金融科技领域延伸发展。经过近年的持续布局,公司业务已涉及金融信息化、移动商务服务、数据服务、电子商务、个人征信、互联网保险、证券业务等各个领域。
  公司实施以上战略布局,是公司为企业长远发展而采取的积极措施,并且在各项战略投资实施之前,公司已对新兴业务的市场空间和项目可行性进行了充分的论证。但是由于部分新业务,如个人征信服务、数据服务、互联网保险业务、证券业务等,在业务开展初期阶段需要比较高的投入,可能在一定时期内不具备盈利能力,因此可能致使公司存在短期盈利能力下降的风险,一定时期内影响公司整体的盈利能力。
  针对上述风险,公司一方面将从战略高度充分重视新兴业务的进展,全力推进新业务的健康发展,科学把控新兴业务投资进度,降低投资风险;另一方面将努力推进成熟业务的业绩提升,保持公司整体盈利情况的合理性。
  4、经营管理风险
  随着公司经营规模的不断扩大,公司组织结构和管理体系日趋复杂,所涉及的业务领域更加广泛,公司的经营决策、风险控制的难度大为增加,对公司管理团队的人才储备、管理水平以及驾驭经营管理风险的能力提出了更高的要求。如果公司在经营管理过程中不能解决人才、文化、管理能力、管理效率等方面的新的挑战,将对公司的有效运营和业务发展带来一定风险。
  针对上述风险,公司持续引进、储备高素质人才,严格按照上市公司规范治理要求,不断优化组织结构,加强内控体系建设,提升管理水平,提高公司经营管理抗风险的能力。
  5、重大资产重组的相关风险
  2017年11月30日,公司第四届董事会第八次会议审议通过了《关于的议案》等有关议案,拟通过发行股份及支付现金的方式购买赵芳、王利军、文渝等三人合计持有的北京慧博科技有限公司100%股权,同时公司拟向不超过5名符合条件的特定对象非公开发行股份募集配套资金。
  截至目前,公司正在继续推进对标的资产的审计、评估等相关工作,待相关工作全部完成后,公司将召开董事会及股东大会审议本次重大资产重组的相关议案。本次重大资产重组能否取得股东大会批准、中国证监会核准,以及获得相关批准、核准的时间均存在不确定性。
  针对上述风险,公司将会同标的公司及审计、评估、财务顾问等中介机构积极推进本次重大资产重组事项涉及的相关工作,并在实施完毕后,从规范运作、公司治理、人才激励、业务协同等多方面实现与标的公司的有效整合。
  6、电子商务出口市场竞争加剧的风险公司电子商务业务属于跨境出口电商领域,目前仍处于高速发展阶段,行业集中度较低,竞争对手和潜在的进入者较多。随着经营的产品品类扩大,市场竞争日趋激烈,产品的同质化可能使得公司子公司科安数字存在产品价格和毛利率下降的风险,从而影响公司盈利能力。如果子公司科安数字的电子商务业务不能在产品种类、质量、品牌以及运营模式创新等方面不断提高,所面临的市场竞争风险将进一步加大。
  针对上述风险,公司子公司科安数字将不断提高自身产品综合竞争力,保证核心安防系列产品的供应链渠道,保证在新兴细分市场的快速反应和迭代,确保重要产品的质量和成本优势持续增强。 收起▲