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Sailis 2022 revenue doubled, net profit loss exceeded 3.50 billion; three years into new energy vehicle manufacturing, cumulative loss of 7.50 billion yuan

　　Produced by Sohu Finance

　　Author | Zhang Ying

　　On the evening of January 30, Sailis released its 2022 annual results pre-loss announcement.

　　Cyrus expects to achieve operating income of 33.50 billion yuan to 35 billion yuan in 2022, an increase of 100.38% to 109.36% year-on-year. While revenue doubled, Cyrus’ net profit loss also expanded.

　　In 2022, Sailis is expected to achieve a net profit loss of 3.50 billion yuan to 3.95 billion yuan, the loss expanded by 91.90% to 116.57%; deducting non-net profit is expected to lose 3.85 billion yuan to 4.30 billion yuan, the loss expanded by 37.83% to 53.94%.

　　In a single quarter, Sailis’ fourth-quarter operating income is expected to be 10.38 billion yuan to 11.88 billion yuan, an increase of 97.04% to 125.51% year-on-year; net profit attributable to the parent is expected to lose 825 million yuan to 1.275 billion yuan, and the loss expanded by 11.44% to 72.21% year-on-year.

　　Sailis said that in 2022, the price of raw materials such as chips and power batteries rose sharply, resulting in an increase in production costs; although the sales volume achieved continuous positive growth in the first three quarters of 2022, but due to the multi-point outbreak of the COVID-19 pandemic, it affected the number of passengers entering the store and the development of marketing activities. At the same time, it affected many links such as supply, logistics, production, etc. Product production and sales did not meet expectations, and the investment in fixed assets in the early stage was large, and the depreciation and amortization expenses were high.

　　In addition, Sailis focuses on the field of smart electric vehicles. With the growth of sales of Sailis new energy vehicles, the company’s operating income has increased significantly by 100.38% to 109.36% compared with the same period last year. The company’s gross profit margin has increased compared with the same period last year. During the reporting period, the quarterly gross profit margin has increased positively.

　　In April 2019, Cyrus released the first new electric vehicle SF5. In 2019, Cyrus smart electric vehicles have begun to be gradually put into production, and Chongqing Jinxin Equity Investment Fund increased its equity in Jinkang New Energy Vehicles. The impact of the smart electric vehicle sector on the net profit attributable to shareholders of listed companies in 2019 decreased by 940 million yuan.

　　In 2019, the net profit of Cyrus returned to the parent was still 66.7215 million yuan. In 2020, the net profit of Cyrus returned to the parent achieved the first loss since listing, and the loss reached 1.729 billion yuan.

　　In the three years from 2020 to 2022, the cumulative net profit of Sailis returned to the parent company was 7.053 billion yuan to 7.503 billion yuan.

　　In July 2022, the Chinese name of Cyrus was changed from "Chongqing Xiaokang Industrial Group Joint Stock Company" to "Cyrus Group Joint Stock Company", and the company’s securities abbreviation was changed from "Xiaokang Shares" to "Cyrus", showing the outside world its determination to deepen the field of smart new energy vehicles.

　　Huawei is playing an important role in Cyrus’ foray into new energy vehicles.

　　AITO is a high-end new energy vehicle brand released by Cyrus. Huawei provides support for Cyrus’ AITO brand from the whole process of product design, industrial chain management, quality management, software ecology, user operation, brand marketing, and sales channels.

　　The AITO Wenjie M5 is the first intelligent electric drive SUV launched after the launch of the AITO brand, and was delivered in batches in March. On July 4, the second model, the AITO Wenjie M7, was released and deliveries began in August. On September 6, the first pure electric model of the Wenjie series, the Wenjie M5 EV, was released and shipped from Chongqing to customers at the end of November.

　　In 2022, the sales volume of Cyrus Group totaled 267,200, a slight increase of 0.24% year-on-year. The cumulative sales volume of new energy vehicles 135,100, an increase of 225.90% year-on-year; of which the cumulative sales volume of Cyrus Automobile 80,000, an increase of 626.39% year-on-year.

　　Sales have increased sharply, while facing fierce competition. On January 6, Tesla’s domestic models were reduced in price, Model 3 was priced at 229,900 yuan, and Model Y was priced at 259,900 yuan, setting a record low price.

　　Capital Securities reported on January 11 that the price of Tesla Model Y after the price reduction is 260,000 yuan – 360,000 yuan range, which is expected to intensify competition with NIO ET5, JK 001, BYD Tang EV, and M5 EV.

　　On January 13, AITO announced a price cut for some models, making it the first automaker to follow up after Tesla announced the price cut.

　　Specifically, the price of the M5 EV after the adjustment is 259,800 yuan, and the price of the M7 after the adjustment is 289,800 yuan. The price reduction of all models is 28,800 – 30,000 yuan. The price reduction will have an impact on the gross profit margin of Sailis.

　　According to the performance forecast, Sailis’ gross profit margin increased quarter-on-quarter during the reporting period.

　　According to previous financial reports, from Quarter 1 to the third quarter of 2022, the gross profit margin of Cyrus sales increased from 6.68% to 12.72%.

　　Caitong Securities released a research report saying that Tesla’s price-for-sales strategy will intensify competition in the new energy automobile industry, and marginal brands may be cleared, and industry concentration is expected to increase. At the same time, new energy OEMs and upstream parts companies may face pressure to reduce costs.

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Ni Yuefeng went to China Star Network Headquarters Building for on-site investigation and discussion with the leaders of China Star Network Group.

Ni Yuefeng went to China Star Network Headquarters Building for on-site investigation and discussion with the leaders of China Star Network Group.

Full service to ensure the construction of China Star Network Group

Give full play to the radiation-driven role of central enterprises

On June 15th, Ni Yuefeng, secretary of the provincial party committee, went to China Star Network Group’s headquarters building project in xiong’an new area for on-site investigation. Hebei Daily reporter Zhao Haijiang photo

Hebei News Network (Hebei Daily reporter Si Jianlei) On June 15th, Ni Yuefeng, secretary of the provincial party committee, went to the construction site of the headquarters building of China Star Network Group in xiong’an new area for investigation, and held a working discussion with Zhang Dongchen, party secretary and chairman of China Star Network Group, and Li Xiaochun, deputy party secretary and director. Ni Yuefeng stressed that it is necessary to thoroughly study and implement the spirit of the important instructions of the Supreme Leader General Secretary and the decision-making arrangements of the CPC Central Committee, fully serve and ensure the construction and development of China Star Network Group, give full play to the radiation-driven role of central enterprises, and accelerate the pace of high-quality development in xiong’an new area.

China Star Network Group is the first central enterprise registered and settled in xiong’an new area. At present, the project of China Star Network Headquarters Building has been fully constructed, and all the constructions have been solidly and orderly promoted. Ni Yuefeng came to the project site to learn about the construction progress on the spot, communicated with Zhang Dongchen in detail, and asked about the difficulties in the construction process. He said that the provincial party committee, the provincial government and xiong’an new area would go all out to serve and guarantee the project construction, ensure that it was completed and put into use as scheduled, and create a good environment for the construction and development of China Star Network Group.

On June 15th, Ni Yuefeng, Secretary of the Provincial Party Committee, held a working discussion with Zhang Dongchen, Party Secretary and Chairman of China Star Network Group, and Li Xiaochun, Deputy Party Secretary and Director. Hebei Daily reporter Zhao Haijiang photo

When talking with Zhang Dongchen and his party, Ni Yuefeng pointed out that China Star Network Group is the core force in the development of China’s satellite Internet industry. In April, 2021, China Star Network Group was incorporated in xiong’an new area, becoming the first central enterprise registered and settled in Xiong ‘an, which has an important demonstration effect. The provincial party committee, the provincial government and xiong’an new area will conscientiously implement the spirit of the important instructions of the Supreme Leader General Secretary, further improve their political stance, take it as an important political task to undertake the relief of Beijing’s non-capital functions and serve the central enterprises to develop in xiong’an new area, and do their best to ensure services in terms of project construction, land supply, policy support and talent introduction. It is hoped that China Star Network Group will further strengthen its strategic cooperation with Hebei, accelerate the construction of its headquarters, make overall plans to promote its subsidiaries and related scientific research institutions to settle in xiong’an new area, give full play to the leading role of leading enterprises, build a satellite Internet industrial cluster, and jointly make greater contributions to the construction of a network power.

Zhang Dongchen briefed Ni Yuefeng on the reform and development of China Star Network Group and thanked the Hebei Provincial Party Committee, the provincial government and xiong’an new area for their support and help to China Star Network Group. Zhang Dongchen said that he will conscientiously implement the spirit of the important instructions of the Supreme Leader General Secretary on relieving Beijing’s non-capital function, take a more proactive attitude, take root in Xiong ‘an, integrate into Xiong ‘an and serve Xiong ‘an, give full play to the advantages of the Group, drive the development of satellite Internet industry in Hebei, and help xiong’an new area build an innovative development demonstration zone that implements the new development concept.

Ge Xiaochun and Mou Xiangjun, leaders of China Star Network Group, and Zhang Guohua and Ge Haijiao, provincial leaders, attended the event.

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Memory across time – 40 years of Volkswagen in China

[Introduction: In the spring of 1984, after graduating from Jiaotong University at the age of 28, Yan Guangming became a reporter for China Automobile News. In the following decades, Yan Guangming has been paying attention to the changes in the automotive industry. He believes that the history of automobiles in China is actually half the history of Chinese cars. In 40 years in China, from the beginning of the tide to the surging tide, Volkswagen has always been the leader of automobile breakthroughs and innovations, promoting the continuous progress of China’s automotive industry.]

Cars are not just dreams, but also social expressions

Shanghai, as the cradle of modern Chinese industry, has always harbored an automotive dream. The wonderful chemical reaction generated by the encounter between Volkswagen and SAIC is not only a historical memory, but also a daily routine today. Volkswagen connects the past and the present, leading the transformation and development of the industry. When it comes to China’s reform and opening up, it is inseparable from Volkswagen’s integration. The cooperation between Volkswagen and SAIC can be called an ice-breaking move for China’s automobile industry. It is also the pioneer of Volkswagen’s integration into China and the creation of a new era of the car industry. The localization of cars provides a new development model for the construction of China’s car industry.

From working with cities to working with countries

If the cooperation with SAIC opened the prelude to Volkswagen’s development in China, then the cooperation with SAIC has put Volkswagen at the forefront again. In 1991, Volkswagen took the lead in partnering with China FAW, the eldest son of the Chinese auto industry, to establish a joint venture production base for 150,000 cars. In December of the same year, the first product Jetta was assembled and rolled off the production line. History has proved that from the popularity of family cars to luxury car manufacturing, Jetta and its contribution rate in China exceeded the car itself, rooted in daily life, became a collective memory, and witnessed the changes of the times.

If you don’t succeed in China, you will lose in the world

When the wheel of history turned to the track of new energy, Volkswagen took the lead in transforming into a software-driven enterprise. And tilted China’s new energy development and research and development to China. Use Volkswagen’s R & D center to drive intelligent transformation to the deep water area. Volkswagen’s strategic layout in new sources has set a new model for the transformation and development of traditional auto companies. After 40 years of integration with the Chinese market, this sedan market, which started almost from scratch, is empowering Volkswagen with intelligence and helping it take the lead in the new round of development.

Review:

The history of Volkswagen in China is actually half the history of Chinese cars. Volkswagen stands on the mast of the times to look at the industry and the changes in the world. In China for 40 years, Volkswagen has been forging new milestones in China, for China, and for the world. In the future, the car looks at Volkswagen, shouldering a new historical mission, and it will continue to create new miracles that will impress the world on this hot land of the East.

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Kelan Software’s 2023 Annual Board Management Review

The content of the annual board of directors’ management review for 2023 is as follows:

　　I. Industry situation of the company during the reporting period

The company is required to comply with the disclosure requirements of "software and information technology service industry" in the "Shenzhen Stock Exchange Self-Regulatory Guidelines for Listed Companies No. 3 – Industry Information Disclosure"

The company’s sub-industry belongs to the "financial software and information technology service industry" under the "software and information technology service industry", which is one of the industries supported by the state for development.

The company is rooted in the financial IT field and continues to deepen its financial digital solutions, directly driving the generational change of China’s banking industry. From the perspective of the market structure, the company has been committed to this market for a long time. From online banking, mobile banking, direct selling banking (Internet banking) to today’s higher-level overall digital banking, it has continued to lead and promote the innovation and development of the industry for more than 20 years. It has rich market resources and experience accumulation. While adhering to the role of a guide for the digital transformation of China’s banking industry, Kelan Software has completed its layout in the field of digital banking and intelligent software and hardware, innovatively launched China’s original self-owned brand transaction database, intelligent high-counter digital currency robot "Xiaolan", based on the 3A strategy (AI database, AI robot, AI computing power) to create the second development curve. In the future, AI-based digital transformation and localization will be replaced, injecting scientific and technological strength into China’s independent and controllable digital banking service system.

At present, the new round of scientific and technological revolution and industrial transformation continues to deepen, and the new quality productivity has distinct characteristics of the times. The development of new quality productivity has become a national-level strategy. Digital technology and digital economy are important driving forces for new quality productivity. The Government Work Report in March 2024 pointed out: Vigorously promote the construction of a modern industrial system and accelerate the development of new quality productivity. Give full play to the leading role of innovation, promote industrial innovation with scientific and technological innovation, accelerate the promotion of new industrialization, improve total factor productivity, continuously shape the new advantages of new kinetic energy for development, and promote a new leap in social productivity. In the context of the digital economy becoming a social development trend, digital technology innovation has entered a period of intensive activity. The Internet, big data, cloud computing, artificial intelligence, etc. have become new general technologies, empowering more and more industries and industrial development. Many fields where new technologies penetrate are constantly forming new quality productivity. Strategic emerging industries represented by the digital economy have become the main battlefield for cultivating and developing new quality productivity.

At the same time, this government report proposes to vigorously develop science and technology finance, green finance, inclusive finance, pension finance, and digital finance. Doing a good job in "five major articles" such as science and technology finance is an important focus for the high-quality development of the real economy of financial services, and an important part of deepening the structural reform of the financial supply side.

(1) Localization of Xinchuang: It is expected to accelerate comprehensively in 2024

From 2022, the localization of Xinchuang has developed in depth from the party and government to the industry. The financial sector is the fastest-advancing industry. Information technology and products, including financial IT infrastructure, basic software, application software, information security, etc., will gradually realize the independent innovation of financial Xinchuang, and the localization of alternatives is safe and controllable. According to the pilot list determined by the Financial Xinchuang Ecological Laboratory under the People’s Bank of China, the pilot units of financial Xinchuang have been expanded to more than 300 in 2022. The localization of Xinchuang has gradually developed from office systems such as OA to industry business systems and core systems, and has now entered the stage of comprehensive promotion.

During the two sessions in 2023, the State Council announced the establishment of the National Data Bureau, which means that the planning and construction of our country’s digital economy and digital elements can be improved on the top-level organizational structure, which is of great significance to promoting the development of the entire digital China. The database is at the core of the IT architecture and is an important hub connecting upper-level applications and lower-level operating systems. As the "root technology" of the digital economy, the domestic database will usher in a golden period of development. At the meeting of the Political Bureau of the Central Committee, the General Secretary of the Supreme Leader clearly pointed out: We must fight a tough battle for the localization of scientific and technological instruments and equipment, operating systems and basic software; we must accelerate the pace of scientific and technological self-reliance and solve the problem of foreign "neck stuck"; encourage scientific research institutions, universities and enterprises to carry out joint research, improve the level of localization substitution and application scale, and strive to use our country’s independent research platforms, instruments and equipment to solve major basic research problems as soon as possible. This year’s two sessions proposed: Accelerate the promotion of high-level scientific and technological self-reliance. Give full play to the advantages of the new national system, and comprehensively enhance the ability of independent innovation. Strengthen the layout of the basic research system, support a number of innovation bases, advantageous teams and key directions for a long time, and enhance the original innovation ability. Aim at the country’s major strategic needs and industrial Integrate national strategic scientific and technological strength and social innovation resources, promote collaborative research on key core technologies, and strengthen research on disruptive and cutting-edge technologies.

In May 2023, the "Measures for the Administration of Network and Information Security in the Securities and Futures Industry" came into effect, clearly requiring financial institutions to carry out information technology innovation and commercial password application related work. In June, the China Securities Association issued the "Three-Year Improvement Plan for Network and Information Security of Securities Companies (2023-2025) " to encourage securities firms to increase information technology investment and continue to improve the autonomy of core systems. In August, the Ministry of Finance successively issued clear government procurement standards for specific software and hardware equipment. It is also another series of favorable policies for Xinchuang since the China Information Security Evaluation Center issued the "Guidelines for Safe and Reliable Evaluation Work (Trial) " on July 28. Under the promotion of policies, the localization of Xinchuang and the transformation of national secrets are expected to continue to advance.

As of 2023, the three batches of pilot work of financial Xinchuang have been completed, and all industries have actively responded to the national "2 + 8 + N" three-step strategy to layout the transformation and construction of Xinchuang. As one of the "8" key industries, the financial industry has a relatively good digital foundation and is the core field of the social economy. In the next few years, under the guidance of policies, supervision and industry associations, the financial sub-industries will gradually deepen from the peripheral edge system to the internal core system and enter the stage of comprehensive construction.

According to IDC, Bank of China’s IT investment scale will be 144.60 billion yuan in 2022, and it is expected to reach 221.30 billion yuan in 2026, with a CAGR of about 11.2%. The IT investment of domestic banks still has a lot of room for growth. Banks’ digital investment is still in the high-speed growth period, and digital transformation and upgrading have become an important way to help enterprises achieve high-quality development. The Xinchuang industry is an important breakthrough point in the construction of digital China, and the market potential is huge; the innovative iteration of artificial intelligence technology drives the further implementation of application scenarios. According to iiMedia Consulting’s "White Paper on the Development of China’s Xinchuang Industry in 2023", it is predicted that it is expected to reach 3,701.1 billion yuan in 2027, and China’s Xinchuang market has released unprecedented vitality. As the process of Xinchuang continues to deepen, it will generate several times the current market capacity. It is expected that the localization of Xinchuang will usher in large-scale growth this year and in the next few years.

(2) The digital transformation of the financial industry is accelerated, and new quality productivity is rapidly generated

In February 2023, the "Overall Layout Plan for the Construction of Digital China" issued by the Central Committee of the Communist Party of China and the State Council pointed out that building a digital China is an important engine for promoting the Chinese path to modernization in the digital age and a strong support for building new national competitive advantages. The "Plan" pointed out that it is necessary to strengthen the key capabilities of digital China: first, build a self-reliant digital technology innovation system; second, build a credible and controllable digital security barrier. By 2025, an integrated promotion pattern of horizontal connection, vertical connection and strong coordination will be basically formed, and important progress will be made in the construction of digital China. By 2035, the level of digital development will enter the forefront of the world.

The People’s Bank of China’s "Financial Technology Development Plan (2022-2025) " proposes that the overall idea, development goals, key tasks and implementation guarantees of financial digital transformation will continue to support the development of financial technology at the national level and promote financial digital transformation. At the same time, the "Guiding Opinions on the digital transformation of the banking and insurance industry" formulated by the China Banking and Insurance Regulatory Commission proposed that by 2025: the digital transformation of the banking and insurance industry has achieved significant results; digital financial products and services are widely popularized, based on data assets and digital technology The orderly practice of financial innovation, the development ability of personalized, differentiated and customized products and services has been significantly enhanced, and the quality and efficiency of financial services have been significantly improved; the digital operation and management system has been basically completed, the data governance has been more complete, the scientific and technological capabilities have been greatly improved, and the level of cyber security, data security and risk management has been comprehensively improved.

In March 2024, the government work report made it clear to further promote the innovative development of the digital economy. Formulate policies to support the high-quality development of the digital economy, promote the digitalization of the service industry, and build smart cities, digital villages, and digital finance. Deeply carry out digitalization-empowered special projects. Support platform enterprises in promoting innovation, improving data basic systems, and vigorously promoting data development, openness, and circulation and use.

With the release of the national "14th Five-Year" digital economy development plan, the central bank’s financial technology development plan, and the China Banking and Insurance Regulatory Commission’s guidance on the digital transformation of the banking and insurance industry, the digital transformation of the financial industry has been accelerated. Under this trend, Financial Institution Groups have continuously increased their requirements for technological support capabilities, information technology investment has increased year by year, and the demand for IT Office Buildout has grown rapidly.

1. The intelligent transformation of bank offline outlets is advancing steadily

The People’s Bank of China’s "Financial Technology Development Plan (2022-2025) " proposes that on the basis of offline, relying on 5G’s high-bandwidth and low-latency features, visual technologies such as augmented reality (AR) and mixed reality (MR) will be deeply integrated with banking scenarios to promote the upgrade of physical outlets to multi-modal, immersive, and interactive smart outlets. With online as the core, explore the construction of a new generation of online financial service entrances such as 5G messaging mobile banking, continue to promote the iterative upgrade of digital channels such as mobile financial client side application software (APP) and Application Programming Interface (API), and establish an integrated financial service platform of "one point multi-function, one network multi-purpose". Utilize the Internet of Things and mobile communication technology to break through the limitations of physical outlets, establish a service channel of intelligent interconnection between people, people and things, and things. Integrate services in intelligent physical objects, extend to customers, and expand to the scene ecology. Eliminate channel barriers, integrate channel resources, and create an integrated online and offline operation service model. Focus on multi-channel, three-dimensional, and comprehensive service creation projects to comprehensively improve service innovation means and capabilities.

In the next few years, 220,000 offline outlets of domestic banks are facing the transformation of digital intelligence, through the combination of (), software and hardware, Internet and Internet of Things, to help the banking industry achieve the highest level of financial business – digital banking.

2. Digital RMB application scenarios continue to expand

Digital RMB is the financial infrastructure that supports the development of China’s digital economy, and it is also one of the development priorities of the 14th Five-Year Plan. Driven by both policies and markets, the scope of digital RMB pilots continues to expand, and the future is bound to usher in a broader development space.

In August 2023, the People’s Bank of China and the State Administration of Foreign Exchange held a work conference for the second half of 2023. The meeting called for continuous improvement of financial services and management levels, deepening the pilot work of statistical analysis and big data application, and continuing to promote the research and development of digital RMB.

At present, the scope of the digital RMB pilot has been expanded to 26 pilot areas in 17 provinces, ranging from personal consumption scenarios to payroll, inclusive loans, green finance and other public Enterprise Services, as well as government service scenarios such as finance, taxation, and public utilities. The application scenarios of digital RMB continue to expand, and the transaction scale maintains a growth trend. It brings a new payment experience to users and provides strong support for financial services to the real economy. In addition, the digital RMB ecosystem continues to expand. Financial Institution Groups, physical enterprises, Internet enterprises and other business entities from different industries and fields have carried out the application exploration of digital RMB, promoting the digital RMB pilot to a broader direction.

In March this year, the People’s Bank of China released a guide to digital RMB payment for overseas visitors to China. Overseas visitors who use digital RMB to pay can download the overseas version of the digital RMB APP (e-CNY APP), register an account and open a wallet. Currently, it supports mobile phone numbers in more than 210 countries and regions to register accounts and open wallets.

Looking forward to 2024, the digital RMB pilot is expected to be further enriched in the diversity of scenarios, and the coverage will continue to expand, especially in the fields of public and cross-border.

3. The digitalization of banks’ online services continues to upgrade, and digital operations are increasingly promoted

Guiding Opinions of the General Office of China Banking and Insurance Regulatory Commission on the digital transformation of the banking and insurance industry propose to improve the digital level of financial marekt transaction business. Strengthen the construction of online trading platforms, establish a coordinated digital transaction management system with front, middle and back offices, and effectively improve the efficiency and risk management level of investment transactions. Establish a unified investment transaction data platform, improve the ability of portfolio analysis and risk measurement, and optimize investment planning, portfolio management, and risk control. Build a digital operation service system, establish an online operation management mechanism, with enhancing customer value as the core, increase the allocation of specialized resources such as data analytics and Internet operation, and improve the level of service content operation, market activity operation and product operation. Promote the integration of scenario development, Client Server and business process adaptation, strengthen the standardization of business processes, and continue to improve digital management service capabilities. Coordinate online and offline service channels, and promote the organic integration of scenario operation and front-end development. In this context, the domestic banking industry has actively carried out digital operation practice and innovation, and accelerated into the fast lane of digital transformation. Focusing on the goal of "digital bank" construction, adhering to the customer-centric operation concept, strengthening technology empowerment, deepening data-driven, optimizing collaborative linkage, continuously improving the operation model, exploring operation innovation, improving operation capabilities, creating operation value, continuously enhancing the quality and efficiency of digital operation work, and empowering high-quality business development with high-quality operation.

(3) Make good use of "artificial intelligence +" to empower the industry to upgrade

Since the advent of ChatGPT at the end of 2022, there has been a "big model" craze around the world. Tech giants have deployed generative artificial intelligence one after another, and major domestic manufacturers have begun to release their own products one after another. The current big model has become an important driving force for industrial change. In the government report, it is proposed to implement the "artificial intelligence +" plan to empower people to do all kinds of things and accelerate the formation of new productivity. This year’s government work report makes it clear: Deepen the innovation and development of the digital economy. Deepen the research and development applications of big data and artificial intelligence, and carry out the "artificial intelligence +" action to build an internationally competitive digital industrial cluster. Implement the digital transformation of the manufacturing industry, accelerate the large-scale application of the industrial Internet, promote the digitalization of the service industry, and build smart cities and digital villages. Accelerate the formation of a national integrated computing power system and cultivate the computing power industry ecology.

The financial industry is the first institution to carry out digital transformation, with a high degree of digitalization, which is one of the best scenarios for the application of AI big models. The financial industry has accumulated () including financial transaction data and customer information, and a good data foundation provides conditions for the application of AI big models. The application of AI big models in the financial field can be used in intelligent dialogue robots, financial product marketing advertisements, automated transactions, intelligent loans, investment research assistants and other scenarios. In order to solve the application problem of AI big models in the financial industry, technology companies and financial companies need to cooperate. Financial Institution Group conducts its own data training based on the underlying model of the industry. Recently, relevant safety supervision policies have been introduced to safeguard the advancement of AI models, and the financial industry will usher in a strategic opportunity period for the application of AI models.

(IV) The rapid development of AI large-scale model technology has led to a serious shortage of domestic AI computing power

AI big models usually refer to deep learning models with billions or even hundreds of billions of model parameters. AI big models are pre-trained with a large amount of data, making them capable of handling a variety of tasks. Due to factors such as the computational complexity of the model itself, the amount of data in the training and inference process, real-time performance and accuracy requirements, running and training these models requires a large amount of computing resources, the so-called computing power.

The increasing demand for computing power has not only promoted the development of AI hardware, but also influenced the trend of Cloud as a Service and data center construction: in order to meet the computing needs of large models, hardware manufacturers have accelerated the production and development of high-performance computing equipment; the popularity of large models has made Cloud as a Service platform face huge pressure on computing power demand, requiring more resources to meet user needs; with the increase in large model applications, enterprises and industry manufacturers need to build more powerful data centers to train and run these models.

(5) "Pure Blood Hongmeng" HarmonyOS NEXT is gradually approaching, and Hongmeng native applications are fully launched

On January 18, 2024, Huawei’s "Hongmeng Ecological Thousand Sails" conference was held in Shenzhen, and branch venues were set up in eight major cities of Beijing, Shanghai, Hangzhou, Nanjing, Chengdu, Xiamen, Wuhan and Changsha. At the meeting, Huawei released HarmonyOSNEXT (Hongmeng Galaxy Edition) to developers, completing the advancement of Hongmeng from Android-compatible HarmonyOS to pure-blood HarmonyOS NEXT, marking Huawei’s complete freedom from dependence on Android and gradually building an independent Hongmeng ecosystem. As a full-stack self-developed domestic operating system, the official release of HarmonyOS NEXT is of great significance. At present, nearly half of the top 200 mobile apps in China have started the development of Hongmeng native applications, and mainstream Internet manufacturers have successively announced that their applications will support Hongmeng Ecology. In 2024, Hongmeng Ecology will enter a new stage of development, and Hongmeng application development and migration will enter a peak period, which will directly drive huge market opportunities for Hongmeng ecological partners.

II. Main activities of the company during the reporting period

(1) The company’s main business and products

The company’s main business is to provide online application software products and localized databases and other technical products to banks-based Financial Institution Group, and to provide Internet-based consulting, planning, construction, operation, product innovation and marketing solutions for banks and non-bank Financial Institution Group. The target customers are mainly state-owned banks, joint-stock banks, city commercial banks, rural commercial banks, provincial rural credit unions and other large-scale banks, as well as insurance, securities, trust, financial companies, large central state-owned enterprises, financial holding companies and other non-bank Financial Institution Groups.

As a major domestic digital banking solution provider, the company has been in a leading position in leading and promoting the popularization and construction of mobile banking and Internet banking, and has formed a complete product and solution delivery capability. The company has a complete domestic database of independent intellectual property rights that can be clearly verified. It has become the only technology-based enterprise with innovative genes in China that has both a distributed transactional database software with complete independent intellectual property rights and a complete family of Internet banking products in the front, middle and back.

(2) Introduction to the company’s key products:

1. SUNDB distributed transaction database

SUNDB, a Chinese independent brand native distributed database built by the company, is completely freed from the constraints of American open-source software from the source and the bottom. The SUNDB database has a code self-research rate of 98.31%, which can fully ensure data security in the field of critical information infrastructure. It has become the pioneer of China’s own brand high-end Xinchuang database.

The SUNDB database has excellent performance in dealing with mass storage, high concurrency, disaster recovery and operation and maintenance. At present, the SUNDB database has been fully integrated into the localized Xinchuang ecosystem, focusing on the digital transformation and localization of national key information infrastructure fields (including banks, securities, funds, trusts, insurance, leasing and other Financial Institution Groups, as well as the three major telecom operators, State Grid, transportation, military industry, etc.). The company’s SUNDB database has landed dozens of projects in Banking, Securities and other Financial Institution Groups, and has been shortlisted for the procurement catalogue of domestic database software in many important fields such as the central government procurement network, central state organs, and central enterprises.

Exclusive advantages of Kelan SUNDB distributed transactional database:

(1) Property rights advantage

A native distributed domestic database company with complete intellectual property rights and core technologies.

– Genuine database licensees who can legally license all end point customers worldwide;

There are very few original vendors in the world that truly control the universal database root technology independently.

(2) closed-source advantage

The Kelan SUNDB non-open-source database can truly ensure the national data security of the country’s critical information infrastructure and high-end industries.

The underlying core computing engine and storage engine do not have any open-source code for US databases, and have nothing to do with open-source databases such as Oracle’s MySQL and Berkeley’s PG.

(3) Institutional advantages

Relying on the new national system, a strategic cooperative relationship of database joint laboratory has been established with a top domestic university and a top domestic basic software research institution.

– At the end of 2023, the company and Tsinghua University jointly established the Advanced Intelligent Database Joint Research Institute. The goal of the research institute is to address the problem of autonomous and controllable choking in the localization of database system basic software. Through the deep integration of industry, university and research, and the joint research of interdisciplinary teams, it will fill the gap in the localization of the basic software of autonomous and controllable full-memory distributed database systems, solve the problem of high-quality database substitution, and lead the battle of Xinchuang’s domestic basic software, providing an autonomous and controllable secure intelligent database system for the "key" field. The director of the management committee of the research institute is Yang Bin, vice president of Tsinghua University, and the deputy director of the management committee is Wang Anjing, chairperson of the company, and Dai Qionghai, dean of the TechAcademy of Information Science of Tsinghua University/director of the Information National Research Center of Tsinghua University. The members of the management committee are Zheng Renhuan, chief scientist of Kelan Software, Wang Fangyuan, director of Kelan Software, and Xing Chunxiao, researcher of the Information National Research Center of Tsinghua University.

(4) Resource advantage

The exclusive advantages of "database products + financial customers (500 +) + financial industry DBA team (1000 +) + bank key transaction system (2000 +) " built by SUNDB database (basic software) and financial scenario (application software) with independent intellectual property rights;

– Financial transaction-level experienced DBA team, with service outlets all over the country, meeting customer on-site service time requirements.

(5) Genetic advantage

– Born for national security: clear product planning and strategic layout focus on the core business systems of national critical information infrastructure such as finance, telecommunications, energy, government, transportation, and military industry.

It has a typical application case of the super-large production system in the national key-level field that has been running stably for many years.

The company database is the earliest database product in China that has passed the authoritative international certification of TPC-C and TPC-H. In July 2020, it obtained the special project evaluation certificate of the distributed transaction database basic capability of the China Information and Communications Research Institute, and in June 2021, it obtained the special project level certificate of the database service capability evaluation and deployment of the China Information and Communications Research Institute. It has passed the test of the financial electronic company under the People’s Bank of China to meet the strict requirements of the core business system of financial-grade enterprises, and can realize the localization of domestic financial and telecommunications operators and other key industries. Database substitution and technological transformation for high-end users. In 2022, SUNDB was included in the list of "Financial Xinchuang Solutions (First Batch) " by the Financial Xinchuang Ecological Laboratory of the People’s Bank of China, and many domestic Financial Institution Groups began to introduce and use the database one after another. In the first half of 2023, the SUNDB distributed database of Kelan Software was awarded the "Financial Scenario Application Evaluation Certificate" issued by the Beijing National Financial Technology Certification Center.

According to CCSA TC601 "Database Development Research Report (2023) ", it is expected that by 2027, the total size of China’s database market will reach 128.68 billion yuan, and the compound annual growth rate (CAGR) of the market will be 26.1%. With the rapid growth of data scale, database, as a key data technology carrying data storage and calculation, is experiencing another round of development boom. At present, the database industry in our country has broad market prospects and the industry is thriving.

2. System-wide digital banking products

As a leading domestic digital banking solution provider, the company has been in a leading position in leading and promoting the popularization and construction of mobile banking and Internet banking, and has formed a complete product and solution delivery capability.

Digital banking products

The company’s digital banking products mainly include: mobile banking, online banking, Internet banking, mobile exhibition industry, financial open API, etc. With the continuous improvement of information technology, consumers are deeply dependent on the network to process transactions and achieve interoperability. Banking business has also evolved from offline outlets – online banking – mobile banking – direct banking – Internet banking – digital banking – intelligent banking, until it has developed into the highest level of intelligent banking for banks. Based on a deep understanding of banking business, forward-looking Internet thinking and rich experience in financial product development, the company helps banks build online, digital and intelligent three capabilities to achieve digital transformation.

Intelligent mid-platform products

The mid-platform system is the core technology driving force for the rapid development of banking business in the future. It meets the IT architecture of "distributed, highly concurrent and automated" applications in various channels in the bank, and has five technical requirements of decentralization, service, asynchronization, high availability and visual operation.

The company’s intelligent mid-platform mainly includes: central product platform, data mid-platform and product support system. Under the leading advantage of Internet channel technology, the company has innovatively developed the "Pisces" central product platform with independent intellectual property rights. The "Pisces" central product platform breaks the silo construction and adopts a distributed micro-service structure. A basic capability center that can quickly respond to business needs, meet rapid innovation, and can be fully reused. Based on standardized components and containerized platforms, an integrated development and operation platform for agile development, containerized deployment, and continuous integration is established. " Pisces "central product platform adopts domain design, service decoupling, relies on atomic service management, and uses visual services to quickly orchestrate, anomaly monitoring, continuous integration, containerized deployment, operation management and other system components to provide rich financial business components and technology platform components to meet the agile development and operation of the financial industry. Quickly support enterprise business innovation and release, realize data sharing, effectively improve the bank’s product innovation and operation capabilities, meet the five technical requirements of decentralization, service, asynchronization, high availability, and data-based operations, and realize the transformation of bank financial IT to" light application + large mid-platform + stable background ".

Distributed Financial Core System

The company’s distributed financial core system mainly includes two series: distributed Internet banking core business products and online and offline integrated core business products. In order to adapt to the large concurrency and flexible and rapid innovation business development requirements in the Internet scenario, the company has been continuously exploring for many years, developing a back-end account system (Internet core) based on the Internet banking scenario, continuously iteratively improving, and has taken the lead in many successful cases in different financial customers such as banks and financial companies, consumer finance, etc., leading and promoting the innovation and development of such products in the domestic financial field.

The company has built a cloud-native distributed financial core business platform based on Huawei Cloud, which flexibly supports various types of deposits, loans, wealth management, intermediate services such as water, electricity and gas, and typical ToC services such as capital supervision, as well as typical ToB services including payment and settlement, account management, scenario financing, and account custody. Based on the concept of "cloud-native IN infrastructure", the cloud-native industry will be promoted to the application-centric cloud-native 2.0 era, helping banks upgrade and improve their own channels, build open APIs, and build ecological cooperation platforms.

3. Intelligent high cabinet counting robot "Xiaolan"

The company’s self-developed domestic exclusive patented product – intelligent high-cabinet digital currency robot – "Xiaolan" can directly replace the manual tellers of high-cabinet outlets, saving labor costs, which is equivalent to directly generating profits for bank outlets. The product does not require any high-cabinet counter transformation, which can save high network transformation costs. The use of big data technology to optimize the counter business process, through the technical integration of software systems and hardware equipment, the typical combination of the Internet and the Internet of Things, online and offline collaboration, provides banks with customizable business processes and provides customers with "one-stop, automated and intelligent" high-cabinet counter services. The product has successfully passed the financial standardization test of the People’s Bank of China, further improving the intelligent non-manual contact financial services required by the head office of the People’s Bank of China.

"Xiaolan" can empower the intelligent transformation of bank outlets and better cooperate with mobile banks to carry out online and offline collaborative services. The intelligent high-cabinet digital currency robot "Xiaolan" is equipped with the Hongmeng system, and uses the characteristics of the Internet of Everything in the Hongmeng system. "Xiaolan" can connect network self-service devices, tablets, smart screens, and Internet of Things modules to achieve interconnection between devices, providing more favorable conditions for the transformation of bank outlets and innovative scene applications. In terms of technology upgrades, "Xiaolan" also integrates intelligent voice services, facial recognition, digital RMB exchange, and remote virtual teller technology to provide more personalized services for bank customers and help the national rural revitalization strategy.

"Xiaolan" has completed the joint debugging with Baidu AI "ERNIE Bot", and through data analytics user requests, it can better provide rich intelligent services such as intelligent dialogue, intelligent Q & A, intelligent operation, intelligent customer service, and intelligent marketing.

At present, on the open-source Hongmeng hardware side, it mainly relies on the adaptation of "Xiaolan" robot-related products. "With Hongmeng version of mobile banking as the main online service channel, we will build Hongmeng version of intelligent banking outlets around the intelligent high-cabinet digital currency robot" Xiaolan ", and build online and offline full-link intelligent financial services. The integrated mobile finance solution can connect mobile banking and intelligent network data islands to build a collaborative service system. The release of this plan can completely open up the online and offline service coordination of banks, realize the strategy of lightweight and digital banking, and deliver banking services to every user.

4. Hongmeng mobile financial technology platform, customized Hongmeng native "1 + 1 + N service system" for Financial Institution Group

HarmonyOS mobile financial technology platform, based on the MADP3.0 mobile financial technology platform developed by Kelan, provides a full life cycle solution for the development, testing and operation of mobile financial Hongmeng ecosystem (HarmonyOS+OpenHarmony), supports meta-services and native Apps, which can reduce access barriers, reduce development costs and provide development and delivery efficiency, and assist Financial Institution Group to quickly deliver capital transaction-level Hongmeng native financial services at the lowest cost. It provides Hongmeng native APP with out-of-the-box security components that meet the security specifications of financial industry capital transaction-level APP, security, high-performance and high-experience security protection capabilities; real-time release service provides version upgrade packages, hot repair packages, and H5 offline package management and release services. After the client side integrates the real-time publishing service function, you can use the platform plug-in to generate a new package, and then publish the new package in the real-time publishing console, and the client side receives the new package and upgrades it.

After Huawei released HarmonyOS NEXT (Hongmeng Galaxy Edition) in January 2024, the company recently took the lead in releasing the baseline version of Hongmeng’s native APP in the financial industry, injecting new vitality into the development of Hongmeng’s original biochemistry in the financial industry. The Kelan Hongmeng HarmonyOS NEXT Edition integrates more than 15 types of Huawei HarmonyOS SDK native components or API capabilities, enabling delivery teams to quickly develop native functions and migrate existing H5 front-end functions, lowering the threshold for access to Hongmeng, reducing delivery development costs and improving development and delivery efficiency.

The baseline version provides a variety of security components based on Hongmeng TEE environment, providing enhanced multiple authentication tools, as well as innovative scenarios such as zero password login, secure keyboard, and built-in TEE device-level verification factor. Provide the highest level of identity authentication with trusted authentication capabilities. Integrate NFC, OCR document recognition, live detection, certificate generation and electronic signature functions to comprehensively enhance the identity security level of mobile financial APP.

5. Smart marketing platform

Smart marketing platform is a new marketing platform based on big data base. The main functions include big data base, CRM system, product supermarket system, bank performance mangement system, WeCom, account manager development, and leadership cockpit. The main service objects are traditional retail, corporate finance department, inclusive finance, operation and management department and other departments. The design concept of this product is more offline-to-online integration. With the help of AIGC’s intelligent generation capabilities, it can accurately identify the marketing intentions of operators, quickly understand and interpret the needs of operators, and automatically generate rich and diverse activity rights allocation strategies, activity forms and activity materials according to marketing goals. This allows operators to obtain high-quality marketing content and activity plans in a short period of time, which greatly improves the efficiency and quality of marketing creativity. At the same time, the efficiency of automated analysis of marketing data through AIGC capabilities has been greatly improved. It can collect and organize marketing activity data in real time, conduct a comprehensive evaluation of marketing effects, automatically generate marketing effect analysis reports, and give adjustments to marketing strategies and optimization activity plans. The intelligent generation ability of AIGC is an important driving force for the company’s intelligent marketing platform to successfully realize full-link intelligent marketing.

6. Safety products

The company’s security products mainly include eID person and certificate integration network identity verification platform, security input system, electronic security certification, (), electronic security, electronic signing platform and other products, mainly used for the construction of the security system of the Financial Institution Group such as banks.

During the reporting period, the company launched a secure password keyboard and a national secret browser/national secret client side that meets the requirements of Xinchuang.

· Secure PINpad

Secure PIN Keypad is an independent security software for the client side to protect password input. According to the different usage scenarios, it is divided into Windows, MAC, iOS, Android, H5 and Xintron versions. The technologies used are ActiveX, NPAPI, local services, Object-C and some native development languages. The product can support all mainstream operating systems and browsers.

· National secret browser/national secret client side

Guomi Browser is a browser developed based on chromium open-source browser. It supports the cipher suite of Guomi cipher algorithm SM2/SM3/SM4, supports Guomi SSL protocol and international SSL protocol, supports page rendering and JS execution, and does not rely on any other browsers. Guomi client side is essentially the client side of Guomi Browser. It integrates online banking assistant on the premise of providing page rendering, realizes the integration of necessary online banking security components such as controls and management tools (drivers), and realizes automatic update and repair of security components. The client side embeds WebView into Native, which provides users with a better experience through the integration of Web technology and Native technology.

(III) The company’s main business model

The company provides a series of products and services such as application software development and services, sales and maintenance of basic software databases, online lending and Internet marketing to the Bank-based Financial Institutions Group.

During the reporting period, the company has completed the following important tasks:

1. Key innovative products during the reporting period

(1) Continuous upgrade of domestic SUNDB database products

In January 2024, SUNDB 5.0.22.1 released, the new version of the existing functions to do a series of optimizations, such as parallel data recovery, aggregate filtering, through internal parameters to control the full table scanning, table truncation function in the case of insufficient space, etc., to improve the performance of distributed statements, disk performance, ease of use in the cloud environment, data redistribution performance; SUNDB 5.0.23 c plans to be released in the near future, the new version will support report queries, perspective queries, external c programs, regular expressions, improve embedded queries, improve disk performance, ease of use in the cloud environment, data redistribution performance, distributed statement performance.

Database completes the development of the following peripheral tools:

SUNDB database management and control platform, which realizes visual management and monitoring of SUNDB functions.

SUNDB database migration platform, which is used to realize data migration from ORACLE/MYSQL to SUNDB, can improve the efficiency of data migration when online.

SUNDB database one-click installation package, this tool is an auxiliary installation tool, the goal is to improve the user’s experience of installing SUNDB and reduce the user’s cost of using SUNDB.

(2) To meet the requirements of Xinchuang, the intelligent high-cabinet coin robot "Xiaolan" is adapted to the Hongmeng system

In terms of the transformation of Hongmeng bank outlets, the intelligent high-cabinet digital currency robot "Xiaolan" equipped with Hongmeng system meets the requirements of Xinchuang and can directly replace manual window services, saving labor costs. The product does not need any manual window transformation, which can save high network transformation costs. "Xiaolan" supports intelligent voice, facial recognition, remote virtual teller and other functions, and supports the free conversion of digital RMB and cash, which can provide more personalized services for bank customers. At the same time, "Xiaolan" can connect network self-service devices, tablets, smart large screens, and Internet of Things modules to each other. Through the interconnection between devices, it provides more favorable conditions for network transformation and innovative scene applications. The product has been awarded the recognition certificate of cash machine identification ability by the Identification Ability Testing Center of the Printing Science and Technology Research Institute of the People’s Bank of China.

(3) MADP3.0 mobile development platform products

In order to solve the various problems faced by enterprise-level and financial-level APPs, the company launched the mobile development platform MADP3.0 on the basis of MADP2.0. The MADP3.0 platform provides a large number of preset functions and pages, adopts the native component mode, provides native components and dynamic configuration entrance, reduces the technical threshold of first-line projects, optimizes the rendering performance of client side application pages, and improves the user experience. At the same time, it is convenient for non-technical personnel to participate more actively in the application development process, so that developers and business personnel can directly focus on the core modules of the application, which greatly improves the development quality and efficiency.

MADP3.0 is based on native components, dynamic cards, management functions, mobile gateway platform, unified management platform, low-code development platform, and Mini Program development platform. The main highlights are:

1. Native component development mode: MADP3.0 adopts the native component mode to provide native component and dynamic configuration entrance, reduce the technical threshold of first-line projects, optimize the rendering performance of client side application pages, and improve user experience.

2, mobile gateway platform: MADP3.0 supports cross-domain, redirection, limited viewership of fuse and other mechanisms to enhance the market competitiveness of mobile development platform products.

3. Unified management platform: MADP3.0 realizes unified access to all management end platforms, unified authority management system, one-end deployment, multi-end use, and intelligent delivery, simplifying the product deployment process and enhancing the user experience.

4. Behavior analysis platform: Realize the complete docking of the MADP3.0 development platform and Toutiao Event Analysis, record the user’s usage through event tracking, understand the user from different dimensions, and assist other systems in event tracking analysis, attribution analysis and other methods to support product continuous optimization, intelligent push, accurate operation, and ultimately serve the target user; and optimize the original behavior analysis platform to be single and passive, allowing non-technical personnel to operate directly on the visual interface according to actual business needs, improve the efficiency and convenience of obtaining data, better understand the pain points in the implementation of the project, and improve the overall delivery experience of the mobile development platform.

5. Mini Program development platform: Ensure convenient management of the entire life cycle of Mini Program development, listing, review, and release, and quickly build Mini Programs from 0 to 1.

(4) Continuous innovation in the core business systems of consumer finance and finance companies

① Continuous innovation in the core business system of consumer finance:

The core of consumer finance of Kelan Company continues to upgrade, empowering consumer finance customers with more advanced financial technology, promoting the upgrading and reform of financial services, practicing inclusive finance to better benefit users, and is committed to becoming a "key lever" to promote the high-quality development of the industry:

A. Adhering to the development concept of "compliance first, risk prevention and control, technology-driven", focusing on customer needs, deeply cultivating customer segments, supporting the launch of corresponding products for customer groups with different occupations and needs, and continuously expanding the scope of financial services to achieve full coverage of customer clothing, food, housing, transportation, and other scenarios

C. The system is built with a distributed architecture, realizing 7 * 24 hours of uninterrupted repayment and repayment business

D. The system development and operation environment adopts an advanced container cloud platform, which greatly improves the efficiency of development and operation and maintenance, realizes second-level deployment and automated operation and maintenance of the system, and supports big data and high concurrency business processing under the localization of Xinchuang

E. Continuously improve the adaptability of connecting funds, assets, and credit enhancers, strengthen the ability to cooperate with ecological partners, and be compatible with different business processes and rules of open API access

F. Continuously innovate financial products, actively explore and launch innovative financial products that meet market demand and customer characteristics, and meet the personalized needs of different customer groups in consumer installments, credit loans, prepaid cards, etc.

F. Provide standardized data processing mechanisms for big data, providing strong support for real-time business variable calculation and artificial intelligence.

Strengthen the protection of safe and reliable information, create a sound information security management system, and adopt advanced encryption and privacy protection technologies to ensure the security and privacy of user data are not leaked, thus enhancing user trust and satisfaction.

② Innovation and improvement of the core business system of distributed finance companies:

As an "in-house bank", the overall IT system of the finance company, especially the core system construction level, is far from sufficient compared with the bank. The new generation core system of Kelan Finance Company is the core team of Kelan based on rich experience in the core construction of the bank, adhering to the advanced "productization and parameterization" design idea, and based on the advanced architecture concept of "distributed and microservices". It can help the finance company to greatly improve the overall system performance, reduce the end-of-day batch processing time to less than a few minutes; and provide the finance department with the most stable and secure operation platform with efficient business support capabilities such as configurable workflow approval, automated finance department expense reimbursement processing and fund collection, and significantly improve its innovation speed and work efficiency. It has been launched in the () group finance company one after another and has been running smoothly. In recent years, it has been continuously upgraded and iterated:

A. Adapt to the transformation of new electric tickets. Support the different needs of the whole life cycle from the issuance of bills to the use of subcontracts, to discounting, expiration, accounting processing, and batch settlement of funds according to the method of equalizing bills.

B. Add perfect cash management functions. Support different models of physical fund pools (direct transfer, entrusted loans) and virtual fund pools, and help financial companies realize the construction of four platforms: "fund concentration, fund settlement, fund monitoring and financial services".

C. Deeply integrate the treasury system of the finance department. Realize a high degree of uniformity of multiple functions or data such as bills, financing, settlement, accounts, financial statements, capital plans, and budgets within the group.

D. Successfully developed the bank MOCK simulation receiving/sending bank-side visual message tool connection platform. It can quickly test the sending and receiving interface with the bank-side message in advance to help the bank expand the scope of banking system integration and optimize the fund management process.

E. Further optimize business design and data governance, promote the digital intelligence transformation of the finance department, enhance the digital financial service capabilities, and accelerate online connectivity and strengthen integration capabilities for the upstream and downstream businesses of the finance department group.

(5) Upgrade and extension of financial open API

Open banking is a commercial bank that connects technology platforms and uses standardized APIs, SDKs, and other technical tools to open up banking data and financial services to partners, as well as B-end and C-end users, in order to achieve full data, application, and operation experience sharing, providing support for the efficient operation and decision-making of all participants, and thus forming a business innovation paradigm of ecological co-construction, symbiosis, and win-win.

The company’s open banking platform system will upgrade and improve the platform’s scenario service support capabilities in 2023.

In the solution, a scenario service platform is established to enhance the scenario service support capabilities of open banks, quickly respond to the unique needs of ecological scenario parties, and integrate the service capabilities of multi-source systems in the bank to build innovative solutions.

Integrate the industry to develop better retail and business scenario solutions, export industry experience to serve bank customers, and quickly empower cooperative banks to carry out ecological financial scenario business;

Strengthen business support capabilities and business operation capabilities, abstract the common capabilities of each characteristic business scenario to establish standard services, and quickly support the access efficiency of new scenarios.

Improve operation management capabilities, establish a unified digital operation and control index system for the platform, establish business management capabilities and control indicators for unique scenarios, and improve operation efficiency.

The main construction projects of the company’s financial open API are: Everbright Bank’s enterprise-level open API, Weifang Bank’s characteristic business scene platform, and SDIC Taikang open API.

(6) WeChat multi-terminal products

In the first half of this year, the WeChat multi-terminal support R & D project was officially launched. The project is based on the company’s original WeChat banking products, and the support of multi-official account, Mini Program, and WeCom is added to the channel side. Multi-terminal channel management configuration rights and multi-terminal management of business data are added to the management side, which can be unified or personalized for: announcements, advertisements, products and other business capabilities. The new WeChat bank provides Mini Programs for various business scenarios, such as WeChat Credit Card Mini Program, WeChat Wealth Mini Program and WeChat Public Service Mini Program. At the same time, it is equipped with a complete authority authentication system, detailed customer data and diversified business service components. WeChat Bank management terminal provides banks with management functions for various business scenarios such as customer management, institutional management, authorization management, content management, product management, and report management.

In terms of WeCom, the platform already has: management of basic functions such as employee management, customer management, and customer operation. Featured functions such as lead discovery, lead conversion, individual/customer group SOP, and individual/customer group fission can effectively solve the pain points of enterprise marketing customer acquisition management. The WeCom application provides integrated operation marketing services for Financial Institution Group, including customer discovery, customer marketing, and customer operation.

Kelan WeChat channel products provide a comprehensive service plan for Financial Institution Group by integrating official account, Mini Program, WeCom and other WeChat products. We are committed to achieving the goals of reducing costs and increasing efficiency, optimizing user experience, innovating financial products and improving customer acquisition ability, so as to enhance the competitiveness and profitability of Financial Institution Group.

(7) Off-site management products for special merchants

On August 9, 2023, the official website of the Nanjing Branch of the People’s Bank of China issued the "Announcement on the End of the Test of the Innovative Application of Fintech Innovation Supervision Tools in Jiangsu Province", led by Kelan Software, China UnionPay, the Third Research Institute of the Ministry of Public Security, the Suzhou Branch of Agricultural Bank of China and Jiangnan Rural Commercial Bank participated in the pilot work. The "off-site management products for special merchants based on the integrated platform of end management cloud" technology products successfully completed the test and were successfully released. After testing, as of July 2023, the product has achieved a total of 3,000 special merchant services, the merchant approval efficiency has been increased from T + 5 days to 30 minutes, and the merchant inspection efficiency has been increased by about 58%.

The product relies on the company’s end-management cloud integrated trusted exhibition platform as the foundation to digitally transform the traditional order acquisition business, and realize the online and offline integrated exhibition of merchant marketing, incoming parts, approval, Facility Management and merchant inspection. Through the unified management of the business data system, combined with the strong identity authentication system of Kelan Software, it effectively enhances the business risk prevention and control capabilities, eliminates the theft and fraudulent use of customer identities to handle merchant acquisition business, and effectively improves the efficiency of merchant services through online and offline collaborative witness exhibition, reduces the cost of exhibition, and enhances the merchant service experience.

(8) VX front-end platform products

The research and development upgrades of financial business components and basic chart components of VX front-end platform products mainly include:

1. Adapt to the Inter-App communications development framework of mobile banking (based on Kelan’s mobile development platform), WeChat official account, WeChat Mini Program, and Kelan Mini Program. A set of code is multi-terminal, with rich basic components. It can quickly develop Inter-App communications applications by building blocks, providing front-end Inter-App communications solutions for project implementation, and putting it on mobile banking and successfully landing on the project.

2. The Mini Program open API based on Kelan uses the Inter-App communications development framework to develop Kelan Mini Program integrated into mobile banking and build a super app, that is, to integrate multiple existing business scenarios and open up the user system. For third-party applications, it can also be integrated into mobile banking through the Kelan Mini Program.

3. WeChat Standard Edition adapts to the low-code development platform, manages related components through the low-code development platform, downloads and drags components through the Viscose plug-in, and quickly develops WeChat Bank, shortens the development cycle and reduces development costs;

4. The PC/mobile end UI component library based on vue3 is improved and modified, the seed engineering related research and development of the VX4 front-end development framework, the front-end solution using micro frontend technology, including the seed engineering of the main application, the seed engineering of the sub-application, and the specification of the back tube. The unified management platform uses micro frontend technology to integrate gateways, Mini Programs, MADP, and push notifications. The unified management platform displays different platforms according to user permissions, with a unified user system, a unified UI style, and business centralization;

2. Important projects that the company won the bidding during the reporting period

At present, under the wave of financial digital transformation, the IT expenditure of banks and non-bank Financial Institution Groups has superimposed the strong catalytic effect of financial information innovation and digital currency, showing a high degree of prosperity. As a leading manufacturer in the field of financial IT, Kelan Software has a series of products and services that meet the transformation + digital upgrade of China’s banking industry and non-bank Financial Institution Groups, such as the overall solution of digital banking front, middle and back office, the domestic database of SUNDB, and the intelligent transformation hardware equipment of bank outlets. Organically combine the needs of localization substitution and digital transformation to better promote the high-quality development of digital finance.

During the reporting period, the company won the bidding mainly:

(1) The bank

(2) Insurance

(3) Consumption of money

(4) Trust

China Foreign Economic and Trade Trust Co., Ltd. Fortune APP Overall Upgrade Support Project

(5) Other

CITIC Futures Institutional Service Platform Procurement Project, Xinchuang Full-Functional Edition APP Major Renovation Project, Xinchuang Enterprise-level Customer Information Management System Construction Project,

3. Financial Xinchuang has achieved authoritative certification and phased results

(1) The SUNDB database has been certified by MIIT and other authoritative organizations

In January 2023, the National Standards Seminar organized by the Secretariat of the Database Standards Working Group of the National Information Technology Standardization Technical Committee (SAC/TC28/WG31) was held. The meeting exchanged and discussed the national standard of GB/T28821 "Technical Requirements for Relational Data Management System". Kelan Software was invited to participate in the meeting as an expert from enterprises and institutions.

In March 2023, the company was invited to participate in the formulation and revision of the database test outline and localized database standards hosted by MIIT No. 5. The company participated in the formulation of the industry standard "Specification for the Construction of Domestic Database Operation and Maintenance System in the Financial Industry", and was awarded by the Innovation Application Committee of Beijing Fintech Industry Alliance. As the lead unit, the company’s "Research on Technical Characteristics and Database Options of Banking Subdivision Business System" was selected for the 2023 research project of the Innovation Application Committee of Beijing Fintech Industry Alliance.

In July 2023, the "2023 Trusted Database Development Conference" hosted by the China Communications Standardization Association and the China Academy of Information and Communications Technology was held in Beijing. Mr. Wang Anjing, the chairperson of the company, was invited to attend the conference and delivered a keynote speech on "Database Security and National Information Security". As one of the first domestic database manufacturers to pass the evaluation of "Trusted Database" and master core technologies, Kelan Software SUNDB has participated in the formulation of many standards of the China Academy of Information and Communications Technology "Trusted Database" for many consecutive years, and deeply participated in the preparation of the "Database Development Research Report (2023) ".

At the end of 2023, the company and Tsinghua University jointly established the Advanced Intelligent Database Joint Research Institute. The director of the management committee is Yang Bin, vice president of Tsinghua University, and the deputy director of the management committee is Dai Qionghai, dean of the TechAcademy of Information Science of Tsinghua University/director of the Information National Research Center of Tsinghua University, and Wang Anjing, chairperson of the company. The members of the management committee are Zheng Renhuan, chief scientist, and Xing Chunxiao, researcher of the Information National Research Center of Tsinghua University. Jointly develop advanced intelligent databases, and develop efficient, safe and intelligent new-generation database system software with completely independent and controllable key core technologies, so as to realize core business applications in national critical information infrastructure and key industries.

In 2023, the company became one of the first partners to join the "Spark Industry and Finance" collaborative network. "Spark-Chain Network" is a new national-level blockchain infrastructure led by the China Academy of Information and Communications Technology under the guidance and support of MIIT. "Spark Industry and Finance" is a new industry and finance system built on the intelligent and secure financial service network (ISF) of "Spark-Chain Network", which will open up the trusted connection between industry and finance and enhance the ability of financial services to the real industry.

At the 14th plenary working meeting of the Big Data Technical Standards Promotion Committee held by the China Communications Standards Association Big Data Technical Standards Promotion Committee (CCSA TC601), Kelan Software was successfully elected as the database application innovation laboratory (DBL) telecommunications industry working group co-construction unit based on its self-developed distributed transaction database SUNDB’s many years of technical accumulation and industry contributions in the telecommunications field.

(2) During the reporting period, the company’s SUNDB database system completed compatibility certification with the systems of multiple companies

The R62 series, R52 series, and R32 series R64 series server products of Zhongke Controllable Information Industry Co., Ltd. have passed the common test and are fully compatible. The related functions operate stably and meet the business needs of various scenarios.

It is fully compatible with the ForinnBase GroundPool series full-flash storage devices of Guangdong Green Computing Technology Co., Ltd., and the related functions operate stably to meet the business needs of various scenarios.

The British data stream replication management software of the Shanghai British software joint stock company [abbreviation: i2StreamJV7.1 can be smoothly adapted, well compatible with each other, and operate stably.

It is fully compatible with the Kunwu server (KW2121016-SW3231) of Zhongcheng Hualong Computer Technology Co., Ltd. through joint testing, and the related functions operate stably, meeting the business needs of various scenarios.

And Loongson technology joint stock company LoogArch Dragon architecture completed the compatibility test on the Loongson 3C5000 platform, with good function and stability. · Installed smoothly on the FT-200 +/64 processor platform of Feiteng Information Technology Co., Ltd. and ran stably.

In Shanghai Zhaoxin integrated circuit joint stock company Zhaoxin ZX-C, ZX-C +, KX-5000, KX-6000, KH-20000, KH-30000 series processors and UOS operating system software V20 platform to complete the function, performance, compatibility, reliability, stability testing, to meet user application needs.

KOAL-SBGV2.0 products of the joint stock company are compatible with each other and the system runs stably.

And Beijing Ningsi software joint stock company’s security operating system V6.0 compatible with each other, stable operation.

Completed the mutual compatibility test with openEuler20.03LTS SP1 computing platform, Kunpeng920 (Taishan200), and Intel, and ran stably. · Good compatibility with PwC’s PwC Taiji server operating system V6.0, and the overall operation is stable and the performance is excellent, meeting the key application needs of users.

The operating system V20, intelligent end point operating system and desktop operating system V20 run stably and meet the functional and compatibility test requirements.

Complete compatibility tests with Kydroid Advanced Server Operating System (Feiteng Edition) V10, Kydroid Advanced Server Operating System (Kunpeng Edition) V10, Kydroid Advanced Server Operating System (MegaCore Edition) V10, Kydroid Advanced Server Operating System (Haiguang Edition) V10, Kydroid Advanced Server Operating System (AMD64 Edition) V10 of Kirin Software Co., Ltd., to meet general compatibility requirements, performance and reliability requirements, and meet users’ critical application needs.

Completed the compatibility test with win the bidding Kirin advanced server operating system software V7.0 (X86-64) of win the bidding software Co., Ltd., which can meet the general compatibility requirements, performance and reliability requirements, and meet the key application needs of users.

It is fully compatible with the KunLun2280/248015280 series rack servers of Henan Kunlun Technology Co., Ltd., and the related functions operate stably, meeting the business requirements of various scenarios.

It is fully compatible with the Fusionserver 2288H V6 series rack servers of Hyperfusion Digital Technology Co., Ltd. through common testing, and the related functions operate stably to meet the business requirements of various scenarios.

It is fully compatible with Inspur Commercial Machinery Co., Ltd.’s K1 Power server series products, and all functions have passed the test smoothly.

And Beijing Baoland software joint stock company Baoland application server software V9.5 products are compatible with each other, stable operation.

It is fully compatible with the TongWeb V7.0 product of Dongtong application server software of Beijing () Technology joint stock company, and the overall operation is stable and efficient. · It is fully compatible with the Kingdee Apusic application server software V9.0 and Kingdee Apusic application server software V10 products of Shenzhen Kingdee Tianyan cloud computing joint stock company, and the related functions are stable and meet the business needs of various scenarios.

(3) Ecological construction has been further strengthened

Huawei: As an important partner of Huawei’s ecosystem, the company has formed a full-stack localization joint solution with Huawei in multiple product lines and business fields such as Hongmeng, Kunpeng, Huawei Cloud, Euler, 5G, and Big Model, including core banking systems, smart channels, digital banks, and database all-in-one computers. In the Hongmeng field, the company is the first batch of HarmonyOS application service ecological partners, the first batch of Hongmeng ecological partner financial industry ISV contracting enterprises, and is a member of the OpenHarmony Financial Payment Committee and an OpenHarmony ecological innovation demonstration unit. It has successively completed the compatibility optimization of HarmonyOS3.0, 4.0, and HarmonyOSNEXT (Hongmeng Galaxy Edition) mobile financial components; completed the compatibility transformation of Kelan’s integrated trusted exhibition platform with Huawei RTC and AI platforms; completed the transformation of common components and application systems in the domestic programming language financial industry. Kelan distributed middleware was put on the Huawei cloud market, integrating Huawei HCS cloud platform to jointly develop the cloud market; Kelan Open Bank plan participated in Huawei’s overseas financial action and expanded overseas markets; Kelan Open Bank plan + SUNDB + Kunpeng server won the second prize of the Huawei Developer Competition Beijing Zone. In February 2024, the company launched Kunpeng native application development cooperation. In March 2024, Huawei officially issued the "HarmonyOS Development Service Provider" certificate to Kelan Software. The acquisition of Huawei’s HarmonyOS development service provider qualification marks an important achievement of Kelan Software in technological innovation and business expansion in the Hongmeng + financial field.

In March 2024, Kelan Software was invited to attend the Huawei China Partner Conference 2024 to jointly build a national future bank.

Baidu: The company signed a strategic cooperation agreement with Baidu Intelligent Cloud. The two sides will deepen cooperation in the financial field and jointly develop and promote advanced financial intelligent solutions. In the field of high-profile large-scale model technology, the two sides will also work together to explore and incubate a number of intelligent financial large-scale model application scenarios to help the financial industry enter a new era of intelligence.

Ali: Kelan Mobile Banking System, Kelan Internet Finance User Center System, and Kelan Internet Core/Internet Finance Core System completed product integration certifications with Alibaba Cloud Proprietary Cloud Enterprise Edition (V3) respectively. The two sides signed and renewed a number of ecological cooperation agreements.

ByteDance: Received Volcano Engine 2022 Solution Partner of the Year certification.

Completed the "China UnionPay Financial Information Technology Application Innovation Product Capability Assessment Report."

Completed the signing of the Tencent-Kelan cooperation agreement.

The company and Tsinghua University jointly established the Advanced Intelligent Database Joint Research Institute to jointly develop advanced intelligent databases, develop efficient, safe and intelligent new-generation database system software with fully autonomous control of key core technologies, and realize core business applications in national critical information infrastructure and key industries.

(4) Domestic database marketing activities have increased significantly

In 2023, the company’s database products were tested and launched in Jindian Cloud, and the company’s database was launched in Luzhou Bank, Jiangxi Rural Credit, Henan Mobile, Jiangsu Minfeng Rural Commercial Bank, and won the bidding for Hami Bank, Guiyang Rural Commercial Bank, Chengde Bank, Hebei Bank, Minsheng Financial Rent, Hunan Rural Credit, Yibin Commercial Bank, Weifang Bank, Kunlun Bank, Changjiang Securities, Guotai Junan Securities, National Defense University and other projects.

In February 2023, Sinochem adopted the distributed database developed by Kelan, and SUNDB landed in the field of digital agriculture for the first time, empowering the fertilizer industry digitally, serving the "three rural areas" and supporting national food security.

In August 2023, Kelan Software was invited to attend the 14th China Database Technology Conference. The organizer of the conference specially invited the company to open "Kelan Software: [China’s Original Own Brand Database SUNDB Special]", and brought a wonderful sharing of "Kelan SUNDB Database Innovation and Application Practice Sharing" in the sub-forum "The Road to Self-Control of Financial Databases".

On July 4, 2023, the "2023 Trusted Database Development Conference" sponsored by the China Communications Standards Association and the China Academy of Information and Communications Technology, hosted by the Big Data Technology Standards Promotion Committee, and co-sponsored by InfoQ, Mr. Wang Anjing, the chairperson of the company, was invited to attend the conference and delivered a keynote speech on "Database Security and National Information Security". As one of the first domestic database manufacturers to pass the evaluation of "Trusted Database" and master core technologies, Kelan Software SUNDB has participated in the formulation of many standards for "Trusted Database" of the China Academy of Information and Communications Technology for many consecutive years, and deeply participated in the preparation of the "Database Development Research Report (2023) ". This time, it was successfully selected into the "China Database Industry Atlas (2023) " and was recognized by industry authorities such as the China Academy of Information and Communications Technology and the China Communications Standards Association.

In October 2023, at the "2023 Banker Financial Innovation Forum and Banker Financial Innovation Achievement Conference", the company’s SUNDB database won the annual FinTech Innovation Excellent Case Award for its outstanding performance and a large number of financial-grade verifiable cases.

In December 2023, under the guidance of the Information Technology Application Innovation Working Committee of the China Electronics Industry Standardization Technology Association, Beihang University, and Beijing Institute of Technology, and jointly sponsored by the China Financial Certification Center (CFCA) and China UnionPay Cloud Computing Center, the list of winners of the "2023 Xinchuang’Big Competition ‘Financial Business Innovation Application Track" event was officially announced. The company’s SUNDB database won the Excellent Technology Application Award for its applications in Jiangxi Bank’s corporate online banking and mobile banking.

4. Continuously build market influence

In January 2023, at the award ceremony of the National Financial Technology Certification Center held by the Beijing National Financial Technology Certification Center, Kelan Software SUNDB distributed database was awarded the distributed database financial scenario application evaluation certificate.

In April 2023, the company was invited to attend the OpenHarmony Developer Conference of the Open Atomic Open Source Foundation, and was awarded the "OpenHarmony Ecological Innovation Demonstration Unit" honorary certificate and the "OpenHarmony Financial Payment Committee Member" certificate.

In April 2023, the company, as one of the first "Digital RMB Industry Alliance" governing units, was invited to attend the "2023 Digital RMB Industry Development Sub-Forum" to jointly exchange and discuss the experience and development of digital RMB.

In May 2023, iResearch released the "Research Report on the digital transformation of China’s banking industry in 2023". With its outstanding contributions in the process of digital transformation of banks, the company was listed in the TOP50 list of outstanding service providers of digital transformation in China’s banking industry. At the same time, the innovative multi-scenario and multi-modal smart bank network project case created by China Postal Savings Bank was selected as the "typical case of channel digitalization".

In May 2023, according to the national standard GB/T27925-2011 "Guidelines for Brand Evaluation and Corporate Culture Construction of Commercial Enterprises", the company’s product SUNDB database obtained the brand certification certificate issued by the authoritative certification agency, and the company’s corporate brand obtained the five-star brand certification.

In May 2023, the company was invited to attend the "2023 7th World Intelligence Conference" co-sponsored by the National Development and Reform Commission, the Ministry of Science and Technology, the Ministry of Industry and Information Technology and other ministries, and delivered a keynote speech on "Intelligent High Cabinet Digital Coin Robot" Xiaolan "- Born to Build a Digital Bank with More Temperature and Higher Order".

In June 2023, the company’s SUNDB database won the silver award in the financial innovation category of the "6th (2023) Digital Financial Innovation Competition" sponsored by China Electronic Banking Network and other institutions.

In July 2023, the Industrial Internet Innovation and Development Forum, a global digital economy conference co-hosted by the Beijing Municipal People’s Government, the National Development and Reform Commission, the Ministry of Industry and Information Technology, and the Ministry of Commerce, was held in Beijing. Kelan Software was invited to attend this event and signed a contract to join the first batch of partners of the "Spark Industry and Finance" collaborative network.

In August 2023, the results of the 2023 "Golden Tripod Award" sponsored by the People’s Bank of China’s Financial Electronics magazine were officially announced. With its outstanding technical advantages in the field of financial technology and strong multi-scenario database application deployment capabilities, Kelan Software SUNDB database has stood out among many financial technology enterprises and won the "Excellent Financial Technology Solution Award" in one fell swoop.

In October 2023, the IDC FinTech Rankings series of 2023 will be officially announced on September 11, 2023 (EST). China’s leading fintech company, Kelan Software, has topped the IDC FinTech Rankings Top 100.

In October 2023, the 2023 Financial Industry Database Technology Conference hosted by China Financial Electronics Group and Beijing Institute of Financial Informatization was successfully held in Beijing. The "Financial Industry Database Innovation and Development Report (2023) " edited by Kelan Software SUNDB was officially released at this conference. Among them, the () credit card management platform based on Kelan Software SUNDB, the Jiangxi Bank Enterprise Online Banking System, and the Guangdong Rural Credit Database Joint Laboratory Enterprise Online Banking and Bank-Enterprise Direct Connection Project were selected as three typical application cases of the financial industry database.

In December 2023, the 20th China International Financial Forum, co-hosted by the China Banking Association and other institutions, opened in Shanghai. Kelan Software won the "2023 Outstanding Leader Award for Numerical Intelligence Bank" for its outstanding industry contributions, strong technical strength and rich Numerical Intelligence Bank construction cases.

III. Core competitiveness analysis

On the basis of continuous innovation in Internet banking business and technology, combined with the transformation of bank intelligent outlets and the development of comprehensive application fields of bank data services in recent years, the company’s core competitiveness has been upgraded to digital banking innovation. Internet banking + big data + offline intelligent network transformation = digital banking structure, the company’s main business has been upgraded from Internet banking to digital banking.

(A) a deep research and development foundation

In 1999, the company took the lead in using Java application server technology in the Chinese mainland and implemented the first online banking system. The company has independently developed the NetBank2000 technical framework, PowerEngine, MADP, and Pisces distributed technology platform, and has realized true multi-channel support on the basis of the technical framework and technology platform. Through domain design, business practice, and technological innovation, relying on meta-service management, data governance, and visual service arrangement, it has greatly improved the efficiency and quality of project development, and met the agile development and operation needs of the financial industry, thereby supporting customer business innovation, realizing data sharing, and effectively improving the bank’s product innovation and operation capabilities. It has promoted the rapid development of domestic digital banking business.

Since its establishment, the company has always adhered to the principle of independent innovation and independent research and development. The products and technical solutions provided to banks and other Financial Institution Groups are independently developed by the company and own 100% intellectual property rights. The various businesses are independent and controllable, safe and reliable, and have formed a complete digital banking Internet product system. It has accumulated rich experience and practical cases in the financial industry. The company can provide customers with full-stack services such as consulting, planning, planning, construction, operation, innovation and marketing of digital banking. Under the scenario of deep integration of finance and technology, it will provide financial technology solutions for more financial enterprises through mature technologies and services to help financial enterprises digital transformation.

In the field of basic software, the company has a distributed database of complete intellectual property rights and core technologies, and has occupied the commanding heights of Xinchuang’s localization in the high-concurrency, real-time trading financial-grade high-end application field.

As of the end of 2023, the company has obtained 333 software copyrights and multiple patents, and owns all source codes and independent intellectual property rights from basic software to the application layer. It now has more than 4,000 IT + finance talents, including more than 1,000 database DBAs, and has established an experienced team of various R & D and service talents.

(2) Excellent experience in digital banking

Since its establishment, the company has always been deeply involved in the technological construction and development of China’s financial industry, and adheres to the development concept of mutual promotion of business and technology. Over the past 20 years, it has not only accumulated mature solutions and products covering the front, middle and back of the financial industry, including mobile banking, online banking, open banking, online credit system, Pisces central product platform, smart marketing mid-platform, core business system, regulatory reporting system, etc., but also has the service capabilities of Financial Institution Group digital transformation planning and consulting, large-scale project group delivery, and large-scale system integration. Focusing on the company’s key solution customer experience system construction field, the company has established an independent customer experience center, and always takes the improvement of Financial Institution Group customer experience system as the primary business focus. At present, the company has become the industry’s leading online and offline digital customer experience system construction technology service provider.

(III) High-quality customer resources

After years of accumulation, the company’s customers have covered large state-owned banks such as Bank of China, Agricultural Bank of China, Construction Bank, (), Export-Import Bank, China Development Bank, policy banks and most city commercial banks, rural commercial banks, and foreign banks. It has developed more than 2,000 business systems for 500 + banks and non-bank financial customers, and has maintained long-term cooperative relationships with them. The company has established close ecological cooperation relationships based on the advantages of its own application software and basic software, and has built an open, cooperative and win-win financial service ecosystem with large central enterprises, state-owned enterprises and Huawei, Ali, Tencent, JD.com, Ning, Baidu, ByteDance, etc., empowering the industry with digital transformation.

(Iv) Advanced domestic databases

The risk of traditional database localization substitution mainly lies in the product maturity of the domestic database and the transformation of the original business system. Whether the database localization substitution is successful or not, in addition to the domestic database manufacturers being able to fully master the core technology of the database, they also need to rely on the application software developers of the original business system to adapt and transform their applications. The company is currently the only supplier in China that has both complete independent intellectual property rights distributed transaction database software and a full range of banking Internet products. The exclusive advantages of "database products + financial customers (500 +) + financial industry DBA team (1000 +) + bank key transaction system (2000 +) " built by the SUNDB database (basic software) and financial scenarios (application software) with independent intellectual property rights do not need to rely on other manufacturers when replacing the database localization, and can independently complete the testing and production line.

(5) A high-standard management system

The company is a high-tech enterprise, with ISO9001, CMMI5ISO20000, ISO27001, ISO22301, ISO45001, ISO14001 and other industry authoritative certifications. It strictly controls and continuously optimizes the whole process of the project in terms of process organization, software research and development, project management, project delivery, information security management and quality management. At the same time, the company participates in the formulation of relevant standards for industry databases and software supply chains, including the preparation of the "Database Application Migration Solution Capability Classification Requirements" standard by China Information and Communications Research Institute, the preparation of the "Database Development White Paper", the preparation of the "Financial Information Technology Innovation and Application Transactional Database Testing Specification" by China Financial Electronics Corporation, and the preparation of the national standard "Information Security Technology Software Supply Chain Security Requirements" by the National Information Security Standardization Technical Committee.

IV. Main business analysis

1. Overview

During the reporting period, with the continuous deepening of the digital transformation of our country’s financial industry and the localization of Xinchuang, the company continued to increase investment in research and development, and continuously launched independent, safe and controllable Xinchuang localized and intelligent products. With advanced innovation and leading technology, it has contributed many pioneering technology products and solutions to the national economic construction and financial industry, including: the self-controllable SUNDB domestic database, the front, middle and back office overall solution of the digital bank based on the digital RMB, the self-developed domestic exclusive patent "intelligent high cabinet digital currency robot", 5G digital bank, and the "financial industry native APP solution" and "Kelan mobile financial technology platform" based on the domestic operating system, etc. The above innovative products have become an important factor in the company’s revenue growth The company’s second growth curve has laid a solid foundation.

The main reasons for the loss of performance during the reporting period were: (1) the decline in revenue and profits of the company’s invested enterprises, and the corresponding provisions for goodwill impairment; (2) the company’s main business comprehensive gross profit margin was 28.64%, a decrease of 7.26 percentage points from the previous year. The decrease in the company’s comprehensive gross profit margin was due to the delay of projects during the special period, the longer delivery period, and the increase in project implementation costs, resulting in a decrease in gross profit margin.

V. Prospects for the future development of the company

(1) The company’s future development plan

The rapid development of technology, especially the rapid development of artificial intelligence and large models in recent years, is bound to have a huge impact and far-reaching impact on the economy, culture and the entire social environment. It is foreseeable that in the future, financial services will become more intelligent, efficient and personalized, and the competition among Financial Institution Groups will become more intense. The application of artificial intelligence and large models will greatly promote the intelligent and digital transformation of the financial industry and reshape the financial ecology to a certain extent. Facing new challenges and huge opportunities for change, the company has made a decision to make a comprehensive strategic transformation to artificial intelligence, and has determined the future development positioning of artificial intelligence financial technology companies.

1. Based on the 3A strategy, open a new era of AI technology

As a leading enterprise in financial technology, the company has transitioned to three AI strategies, covering the three elements of AI computing power, algorithms and data, and launched the 3A strategy – AI database, AI robot and AI computing power center. The three strategies are closely related to build an AI technology application system. In the future, with the continuous development and improvement of AI technology, the company’s 3A strategy will bring profound and comprehensive AI experience to users, and will also promote the progress and development of the entire industry from the bottom.

(1) AIDB Strategy – Let Data Speak: The company partnered with Tsinghua University to establish the "Advanced Intelligent Database Joint Research Institute" to upgrade more advanced AI databases based on the SUNDB database, and create a safe and reliable domestic AIDB with China’s own brand.

(2) AI robots – let banks understand you better: AI technology is applied to the field of bank digital services, and the intelligent high-counter digital currency robot "Xiaolan" is launched. Through the intelligent services of "Xiaolan", banks can not only replace labor with autonomous intelligent services for high-counter outlets, but also connect online and offline data to achieve a true customer-centric service model.

(2) AI computing power center – make computing power smarter: provide solid computing power support for AIDB and AI robots by building the Yangtze River Delta AI computing power center. The computing power center has strong computing power and data processing capabilities, which can support the operation of various artificial intelligence tasks. The innovative development of the computing power center can drive the rapid growth of artificial intelligence and related industries and become the () engine of economic growth.

2. Perfect and enrich the company’s products and solutions

The current society has entered the era of comprehensive digitalization, and there is no longer a space and time limit between financial services and customers. Building a new customer experience system in the digital age has become the primary challenge and opportunity faced by Financial Institution Group. Experience is king highlights the competitiveness of Financial Institution Group. With 20 years of industry accumulation, Kelan Software has fully deployed the user experience system solution market in the digital age. The company has launched comprehensive integration and research and development products and solutions in the fields of portable financial services and intelligent outlets around digital banks, assisting Financial Institution Group in establishing a new user experience system in the digital age and reshaping the customer life cycle journey.

The company will make full use of artificial intelligence technologies such as large models and machine learning to comprehensively upgrade products and solutions in the next few years, and help customers achieve a leap from digitalization to intelligence with the concept of "AI Bank".

3. Continuous investment to ensure technological leadership

In response to the call of the Party Central Committee, through the establishment of a research and development system that deeply integrates production, education and research, give full play to the advantages of the national system in the new era, and solve the core technical problems of "stuck neck". The company has established a professional financial technology industry-use docking platform with universities, research institutes, etc., created a new model for the transformation of innovative application results, introduced cutting-edge technologies and advanced management experience, accelerated the patent layout in key areas, promoted the promotion and application of scientific and technological achievements, and promoted the improvement of the overall development level of financial technology. At the same time, the company actively explores the application scenarios of new technologies such as AI in finance and specific industries through cooperation with large central enterprises, state-owned enterprises, and partners such as Huawei, Baidu, JD.com, Tencent, etc., and continuously promotes the financial innovation adaptation of

As a leading enterprise in domestic digital banks, Kelan Software has deep industry, application and technology accumulation. With the advancement of the "3A" strategy, the company will establish corresponding artificial intelligence technology teams and joint laboratories to help Kelan Software achieve its strategic transformation goals.

4. Strengthen digital management, reduce costs and increase efficiency

The company fully applies digital technology to strengthen internal management capabilities, and continues to promote the application of the company’s enterprise-level digital management platform VP + in the company’s management activities. Establish a practical and effective digital operation management system for business units, pay attention to the collection and application of operation data, prevent business risks, strengthen management methods such as customer management, plan management, budget and cost management, and realize the data, institutionalization and standardization of business operations, so as to achieve the management goal of reducing costs and increasing efficiency.

5. Global cooperation layout to serve overseas markets

Expanding overseas markets is an important strategic layout of the company. The company has deeply cultivated bank customers and continuously provided value-added services and innovative products for banks and other Financial Institution Groups. While expanding into the domestic non-banking field, it will also actively expand into overseas markets.

The company has certain market resources in North America, Hong Kong, Macao and South East Asia. In recent years, it has begun to expand the market in North America, Singapore, Vietnam, the Philippines and other countries. In the next few years, it will accelerate the overseas marketing activities of advantageous products such as database and mobile banking.

(2) Possible risks and countermeasures

1. The risk of increased market competition

With the development of Internet finance and the continuous improvement of the informatization level of commercial banks, the demand for IT services by banks has increased year by year, the overall size of the market has continued to expand, and the scale and competitiveness of competitors in the industry have continued to improve. At the same time, the number of new competitors entering the market has gradually increased, which may lead to the intensification of market competition in the industry in which the company is located.

Therefore, in order to avoid this risk, the company will continue to improve itself, keep up with industry trends, and further enhance its strength in terms of Product Research & Development, technological innovation, Client Server, and capital scale.

2. The risk of rising labor costs

With the rising cost of living in cities and the intensification of competition for professional talents by competitors, there is a risk that the company’s labor costs will continue to rise, which will have a certain impact on the company’s operations.

Therefore, the company will gradually establish a high-level enterprise management and internal control system, continuously improve the level of corporate governance, further implement cost control throughout the process, and improve the efficiency of the company’s daily operations.

3. Risks of increasing accounts receivable and changes in the ageing structure

With the expansion of the company’s business scale and market coverage, and the long execution and acceptance period of the project itself, the accounts receivable have a trend of gradually increasing and changing the age structure of the account. The company’s customers are mainly banks, Financial Institution Groups, etc. If the credit situation of individual customers changes greatly, it will not be conducive to the recovery of the company’s accounts receivable, and will have an adverse impact on the company’s asset quality and operating performance.

Therefore, the company will further standardize management, strengthen the collection of accounts receivable, and carefully summarize experience and lessons learned to avoid new overdue accounts receivable as much as possible and reduce the risk of accounts receivable.

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How can the AI era bring better services to designers？ Meitu Creativity Conference gives answers

With the rapid development of AI technology, a technological revolution in the design industry has begun. In the AI era, how can AI design bring better services to designers? Meitu Creativity Conference gave the answer.

From December 5th to 6th, Meitu Creativity Conference (MCC) with the theme of "Future AI Design" was held in Xiamen. This conference was jointly organized by Meitu and Zhanku, focusing on designer ecology and AI design trends. The "2023 AI Design Practice Report" was released at the conference. At the same time, Meitu released version 4.0 of MiracleVision, a self-developed AI vision model, focusing on AI design and AI video generation capabilities.

From image tools to design ecology, Meitu is leveraging AI design to consolidate its "image + design" business and explore productivity scenarios in depth.

AI design has revolutionized the entire design industry, while Meitu Creativity Conference has revolutionized the entire industry.

At the Meitu Creativity Conference, Meitu and Zhanku reached a deep strategic cooperation and jointly launched the "New AI Designer" program to provide AI design tools, learning platforms, professional communities and business opportunities for designers. "We will provide better services for designers to display their innovative talents in the AI era," Wu Xinhong said. "Meitu Creativity Conference is not only an event of innovation and design, but also an important starting point for exploring the future of AI."

Wu Xinhong, founder, chairperson and chief executive of Meitu, said that AI is leading the design industry to a new level.

"The future of AI design is the designer’s imagination plus the productivity of AI." Wu Xinhong believes that AI tools will serve as a right-hand assistant to assist designers in creating more stunning works.

"2023 AI Design Practice Report" Reveals Industry Trends and Opens the Way for AI Designers to Advance

The development of generative AI has greatly enriched the design creation ecosystem, reshaping almost the entire design process.

The "2023 AI Design Practice Report" released at the Meitu Creativity Conference pointed out that nearly half of designers have used specialized AI tools. Especially in the e-commerce industry, designers have initially realized the use of AI to deliver finished products.

However, the popularity of AI tools at the enterprise level is still poor, with only 8% of enterprises using AI tools. Moreover, the current usage rate of foreign AI tools is much higher than that of domestic AI tools, but the report believes that domestic AI tools have great potential. Low threshold, support for Chinese and Asian aesthetics are important advantages of current domestic AI tools. The three major pain points of current AI design tools are inaccurate control, flawed generation, and disputed copyright. In terms of workflow, AI still needs to be combined with traditional tools to complete design delivery at this stage.

But there is no doubt that the involvement of AI in the design workflow has become increasingly deep and mature. And it is foreseeable that in the future, any creative person can use AI tools to realize their own ideas and creativity, and the profession of designer will also be redefined. On this basis, the report proposes three suggestions for design workers in the AI era: one is to improve aesthetics and creative ability; the second is to think more cross-border; the third is to precipitate experience into models, and eventually become the master of AI in practice.

In addition, the report makes five major predictions for AI design trends from 2024 to 2025: first, AI will bring about changes in design generalization and design capability structure, and a group of cutting-edge designers who are good at AI will emerge; second, AI design capabilities and coverage categories will be more perfect, becoming the standard of design workflow; third, AI video generation will usher in a big explosion in 2024; fourth, AI will shine in the marketing field, and there will be several AI marketing cases with national screen swiping in 2024; fifth, by the end of 2024, the utilization rate of AI design tools in the Chinese market, and domestic tools are expected to exceed overseas tools.

Self-developed visual model function upgrade, witnessing the leap in Meitu’s AI capabilities

From the "Emerging AI Designer" program to the "2023 AI Design Practice Report", Meitu’s determination to consolidate the "imaging and design" business is evident.

On December 5, the MiracleVision 4.0 version of Meitu’s self-developed AI vision model was officially unveiled, and two new capabilities were upgraded: AI design and AI video.

In terms of AI design, it is mainly reflected through the four capabilities of vector graphics, text special effects, intelligent layering, and intelligent typesetting. At the same time, the launch of the new visual model store supports the creation of personal visual models, which can help designers achieve unique artistic pursuits;

In terms of AI video, it is reflected in the four major capabilities of Text-to-Video, Image-generated Video, Video Motion Mirror, and Video-generated Video. At present, MiracleVision’s video generation capabilities have been integrated into the industry workflow, especially in the e-commerce and advertising industries.

It is worth mentioning that MiracleVision 4.0 will be launched to Meitu’s products one after another in January 2024. At that time, users can experience it in Meitu Xiuxiu, Beauty Camera, Wink, Meitu Design Studio, WHEE and other products. In addition, the Meitu Vision Big Model team also announced two news. First, the mobile end of WHEE is officially launched, and major app stores can search for "WHEE" to download. Second, MiracleVision officially opens its commercial API to the outside world.

It is not difficult to see that the rapidly iterating MiracleVision vision AI model has become an important fulcrum for Meitu to explore imaging and design productivity scenarios in depth.

Based on the expansion of the "image and design" business, Meitu also announced a number of important cooperation at the conference. In particular, with the ability of Meitu’s visual model to provide services to 1.745 million e-commerce users, Meitu has reached cooperation with dozens of e-commerce and brand customers such as WeChat, Knowledge, Deli, and Feiyu.

Accelerating the development of emerging productivity scenarios, Meitu is expected to usher in a transformation of its business model

From e-commerce to graphic design, games, and film and television scenes, Meitu accelerates its penetration into business scenarios in sub-industries through the combination of generative AI and tool software. In the process, Meitu’s user value, designer value, and product value will be multiplied.

Meitu is expected to capitalize on its long-standing advantages in the imaging field to provide users with highly competitive generative AI tool software products in batches.

Tianfeng Securities released a research report saying that after the successful switching of the business model and the return of the founder as the chairperson, Meitu has comprehensively focused on the main business at the strategic level. The company has achieved strong main business income growth, and the company’s competition landscape advantage in the C-end may be underestimated. Relying on the long-term accumulated experience and users, it is expected to re-seize the original professional tool software market in the process of accelerating the integration and innovation of tool software in the AI era.

On this basis, Tianfeng Securities expects Meitu’s 23/24 annual revenue to be 28.78/37 3 million yuan, and gives Meitu a 10XPS valuation in 2023, corresponding to the market value of 30.95 billion Hong Kong dollars, and the target price is 6.96 Hong Kong dollars, maintaining the "buy" rating.

In the research and development released recently, CICC also gave Meitu a "outperform the industry" rating for the first time, with a target price of HK $4.3. The bank believes that the increase in payment rates will become the main driver of Meitu’s subscription revenue growth. It is expected that the payment rate will reach 5.3% in 2025, the number of paying users will reach 13.78 million, and the subscription revenue is expected to reach 2.58 billion yuan, which is close to doubling the growth space compared with 2023. At the same time, it pointed out that Meitu has redefined its tool positioning and has clarified its subscription business model in the context of young users paying users. It is currently exploring emerging scenarios such as productivity driven by AI trends, and is expected to usher in business model transformation in the future.

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Hangzhou cruise taxi ＂oil to electricity＂ has been updated by more than 8,000 vehicles

　　China News Service, Hangzhou, June 17 (Bao Mengni) On the 17th, the theme activity of Hangzhou’s most beautiful taxis helping a better life "Welcome July 1st" and the signing of the industry party building joint construction and the delivery ceremony of the new car of "oil to electricity" were held. According to on-site news, as of now, Hangzhou cruise taxis "oil to electricity" have been updated more than 8,000 vehicles, including more than 6,500 vehicles in the city’s Shangcheng District, Xihu District, Gongshu District and Binjiang District.

　　Delivered on siteTaxi. Photo provided by the activity party.

　　100 units will be held at the event siteGeometric A model taxi centralized delivery and HangzhouPre-grant letter to key account marketing center 500 million yuan ceremony.

　　It is reported that in the process of promoting the green and low-carbon transformation and development of the transportation industry, Hangzhou has introduced the "oil to electricity" special project financial service, citing the innovative credit assessment system designed by the Hangzhou Road Transport Administration, to help transportation enterprises and car owners realize the "oil to electricity" renewal and transformation of vehicles. The pre-grant letter 500 million yuan to help Hangzhou large-scale equipment renewal and vehicle purchase is another financial service upgrade for the "oil to electricity" project under the "credit +" scenario in Hangzhou, and it is also an important measure for Hangzhou Transportation to promote the value-added reform of government services.

　　Chen Jian, a member of the party group and deputy director of the Hangzhou Municipal Transportation Bureau, and deputy secretary of the Party Committee of the Hangzhou Transportation Industry, said that Hangzhou will strive to promote the introduction of a new round of "oil to electricity" incentive policies for cruise taxis, escort the healthy development of taxi enterprises in Hangzhou with more and more convenient value-added services, and launch "Hangzhou New Taxi" patrol network integration service new products to empower traditional taxis and help the industry develop a healthier and more orderly ecosystem.

　　It is understood that the "Implementation Opinions on the Promotion and Application of Vehicle Electrification in the Field of Cruise Taxi in Hangzhou" issued in 2022 has proposed that by 2024, the proportion of completed cruise taxis "oil to electricity" in Hangzhou will reach 60%, and the number of completed cruise taxis "oil to electricity" will not be less than 6,000; by 2027, the 10107 existing cruise taxi operating rights indicators in the main urban area (Shangcheng District, Gongshu District, Xihu District, Binjiang District) will basically achieve full coverage. (over)

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Focus on 315 ｜ Standardize the disinfection products market and ensure the prevention and control of epidemic situation.

With the prolonged ups and downs of the epidemic in COVID-19, the market demand for disinfection products has continued to grow, and new situations and problems have emerged in disinfection products’s production and sales. In this issue, we introduce a case of operating disinfection products without a new disinfection products health permit approval document, and let’s see how the health supervision department finds problems, accurately identifies and solves problems in daily work, and protects consumers’ health rights and interests according to law.

Case introduction

In August, 2021, the supervision office of Shanghai Municipal Health and Wellness Committee received an investigation letter from the health administrative department of Z City (hereinafter referred to as "investigation letter"). The investigation letter said that a "Y disinfection spray" was found, and the enterprise provided a health and safety evaluation report with the product name "Y object surface disinfectant", which was suspected to be unqualified in health and safety evaluation. The manufacturer of the above products is Company A in Shanghai, and the responsible unit is Company B in Shanghai. The Shanghai Municipal Health and Wellness Committee Supervision Office conducted on-site supervision and inspection on the two companies the next day.

The health supervisor found a disinfection products with incomplete label at the site of company A, and the product label was marked with the words "Y garlic E new generation antibacterial disinfection spray (no-wash type)"; In both companies, the health and safety evaluation report of "Y-object surface disinfectant" mentioned in the investigation letter was found. Through inquiry and data comparison, the supervisor finally confirmed that "Y garlic E new generation antibacterial disinfection spray (wash-free type)" is "Y disinfection spray", and "Y object surface disinfectant" is another disinfectant produced and operated by two companies. The labels of both products are marked with garlic E as the main effective ingredient. The supervisor carefully checked the production records provided by Company A, and found that the dosage of garlic E in "Y Disinfection Spray" was 0.1%, and that in "Y Object Surface Disinfection Liquid" was 0.05%. Because the product names of the two products and the content of garlic E, one of the main effective components, were different, the supervisor decided that "Y Disinfection Spray" and "Y Object Surface Disinfection Liquid" were two different disinfectants.

It was confirmed by the supervisor that "Garlic E" was not included in the list of effective ingredients of disinfectant raw materials in the Judgment Basis for Producing Disinfectants and Disinfecting Instruments by Using New Materials, New Technology and New Sterilization Principles (hereinafter referred to as "Three New Judgment Basis"), nor was it included in the disinfection and antisepsis category in People’s Republic of China (PRC) Pharmacopoeia, nor was it included in the current national health standards and norms. According to the provisions of the Measures for the Administration of Disinfection, the two disinfectants can be produced and sold only after obtaining the approval document of the new disinfection products sanitation license. However, the above two products have not obtained the approval document of the new disinfection products sanitation license and belong to disinfection products without the approval document of the new disinfection products sanitation license.

The above-mentioned behavior of Company B belongs to disinfection products, which has no new disinfection products health permit approval document, and violates the provisions of Item (1) of Article 32 of the Measures for the Administration of Disinfection. According to the provisions of Article 43 of the Measures for the Administration of Disinfection, Company B is ordered to immediately correct the above-mentioned illegal behavior and impose an administrative penalty of RMB 3,000. Company A’s illegal act of producing disinfection products without the approval document of new disinfection products health permit has been dealt with separately. Company B fully fulfilled the administrative penalty decision, and the case was closed in December 2021. At the same time, the handling situation has been replied to the health administrative department of Z City.

Case analysis

This case is a typical case in which disinfection products was investigated by other provinces who were initially suspected of failing to pass the health and safety evaluation, and it was finally determined through investigation that the party concerned operated disinfection products without the approval document of the new disinfection products health permit. The "reversal" of this case has triggered the supervisor’s thinking on handling the investigation case. By responding to clues quickly, jumping out of inertia thinking, and conducting rigorous investigation and argumentation, the case embodies the characteristics of professional law enforcement, in-depth excavation and rigorous verification, which has certain reference significance for similar cases.

Break through inertia

Dig deep into the essence of the case

The initial investigation letter received in this case showed that the preliminary investigation result was that the health safety evaluation was unqualified. After receiving the investigation letter, the health supervisor did not make a preconceived and direct characterization, and was not confined to inertial thinking. Instead, he further tracked the clues and explored the problems in depth through on-site inspection, repeated inquiries, careful review of information and other means. Finally, taking the product label instructions and production records as a breakthrough, using solid professional knowledge and legal basis, it is judged that one of the main effective components of the two products is garlic E, which belongs to the "three new" products, thus directly hitting the core of the problem and determining the illegal facts.

go to the very source of sth

Comprehensively investigate illegal enterprises.

During the investigation, the supervisor not only limited his vision to the "Y Disinfection Spray" product in the investigation letter, but also inquired into the "suspicious" products in the field investigation and data collection, and faced with the messy materials provided by the parties, he tried to find clues patiently and carefully. The supervisor took a "delivery note" provided by Company B as the breakthrough point. From the initial suspicion that the case involved two kinds of disinfection products, to the final determination that the two disinfectants were different disinfection products through the differences in product names and main effective components, the supervisor made full use of his professional law enforcement level, so as to achieve rigorous argumentation logic and interlocking evidence, and thoroughly sort out the illegal acts of the enterprises involved.

Lay a solid foundation

Accurately characterize the "three new" products

Since the outbreak of Xinguan epidemic, Shanghai has filed several cases of illegal production and operation of disinfection products without the approval document of new disinfection products health permit. The qualitative determination of "Sanxin" products is different from the judgment of undocumented and unqualified health and safety evaluation, which puts forward higher requirements for the professional quality and basic skills of supervisors. The case-handling personnel should comprehensively refer to "Sanxin Judgment Basis", "People’s Republic of China (PRC) Pharmacopoeia" and other relevant national standards and regulations, make bold guesses, carefully demonstrate, and avoid abusing the cause of action and misjudging.

Comprehensive judgment

Qualitative enterprise "management" behavior

The case occurred during the disaster in Z city. During the investigation, Company B claimed that the two products involved were all donated to Z city for disaster relief. In order to determine whether the company had any business activities, the supervisor held a special discussion with the legal affairs department, and agreed that the donation certificate issued by "public welfare social organizations and public welfare non-profit institutions" was required to be recognized as "public welfare donation", but Company B did not provide any donation certificate in the end. During the epidemic, many enterprises donated disinfection products to reflect their corporate responsibilities, but the quality of their products was uneven. This case provides a reference solution to how to separate illegal products from the chaotic "donation" behavior.

Thinking suggestion

With the normalization of epidemic prevention and control in COVID-19, new problems are emerging in disinfection products. How to find problems, accurately identify and solve problems in the dazzling disinfection products in the market has become a new challenge for supervisors. Facing the new challenges, health supervisors should actively adapt to the situation, lay a solid foundation, master disinfection products’s laws, regulations, standards and professional knowledge, change constantly, grasp the basic nature of products, analyze them in detail, and directly attack the essence of the problem, so as to continuously improve their law enforcement level and case handling ability. At the same time, in the face of illegal clues such as investigation letters, supervisors should not only draw conclusions based on preliminary investigations, but should further trace them and find deeper problems; It should not be limited to the clues of the investigation letter itself, but should be thoroughly investigated, and there should be no dead ends to dig up illegal acts; We should not aim at punishment, but solve the existing problems of products and improve the main responsibility of enterprises, so as to reduce illegal acts from the source, standardize the disinfection products market and ensure the prevention and control of epidemic situation.

Contributed by Hu Dandan.

Original title: "Focus on 315 | Standardizing disinfection products Market and Ensuring Epidemic Prevention and Control"

Read the original text

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Chongqing carries out special projects for designated medical institutions to treat ＂looking back＂, ＂including food and housing, free physical examination＂ and other medical fraud

Do you still remember Rebs’ bold words at the listing party? "We want investors who buy Xiaomi shares on the first day of listing to double their profits!" Now that two years have passed, Lei Jun’s bold words have finally come true.

On December 23, the share price of Xiaomi Group soared more than 8% during the session to a record high of HK $32.35, and the total market value exceeded 100 billion US dollars or HK $800 billion. As of the close, it rose 7.59% to HK $31.90, and the turnover was 10.344 billion Hong Kong dollars.

Lei Junhao said: Let investors who buy on the first day of listing make double the profit!

Xiaomi listing bell chart.jpg

On July 9, 2018, Xiaomi listed on the Hong Kong Stock Exchange with an issue price of 17 Hong Kong dollars. At the celebration banquet, Rebs wanted to double the share price of investors who bought on the first day of listing. Now Xiaomi Group’s share price has exceeded 32 Hong Kong dollars, which is exactly double the lowest price of 16 yuan on the first day of listing.

Since the beginning of this year, although affected by the epidemic, Xiaomi’s performance in the first three quarters has exceeded market expectations, and Xiaomi’s share price has also risen all the way. Recently, Xiaomi mobile phones have also returned to the top three in global smartphone shipments, with sales in reverse order and even surpassing Apple. And the Double 11 event has lasted for more than 5 days. According to the data on JD.com, the biggest winner is also Xiaomi, so Xiaomi’s share price has also staggered and soared.

Although Xiaomi’s share price performance was sluggish after its listing, hovering around HK $10 for a long time, hitting a record low price of HK $8.28 on September 2, 2019. But starting from the fourth quarter of 2019, Xiaomi benefited from the unexpected performance and the expectation of 5G popularization dividend, and Xiaomi’s share price began to bottom out and enter an upward channel. Especially since the bottom of the global capital markets in March this year, Xiaomi has started a surge mode, soaring from HK $10 to HK $31.90.

Mi 3.jpg

Xiaomi Mi 11 will be released on December 28

Supported by strong performance, there has been a steady stream of positive news recently.

It is worth mentioning that this morning, Xiaomi CEO Lei Jun released an article on the official account saying that the Xiaomi Mi 11 series mobile phone will be officially released at 19:30 on the 28th of this month.

Xiaomi Mi 11 is a world-first model equipped with the Snapdragon 888 chip.

According to the latest official announcement from Xiaomi, Slogan is "light-packed" and will include at least two versions of Xiaomi Mi 11 and Xiaomi Mi 11 Pro. The standard version of Xiaomi Mi 11 is basically the same as the previously exposed news, and generally there will not be much difference, while the Xiaomi Mi 11 "super cup" with higher configuration in all aspects is still relatively mysterious.

In addition to the standard version of Xiaomi Mi 11, it is also expected to launch a much-watched "super cup" version. The biggest selling point of this machine is that it is expected to be equipped with an under-screen camera, but its release will not be until March next year.

The Xiaomi Mi 10 series model released at the beginning of this year is Xiaomi’s first entry into the high-end market, priced from 3,999 yuan to 6,999 yuan.

Xiaomi’s third quarterly report is eye-catching, and sales have returned to the top three in the world

On the evening of November 24th, Xiaomi Group (01810.HK) released its third-quarter financial report, during which Xiaomi achieved a revenue of 72.20 billion yuan, an increase of 35% year-on-year, and adjusted net profit of 4.10 billion yuan, an increase of 19% year-on-year, exceeding market expectations of 2.80 billion yuan.

The company achieved shipments of 47.10 million units in the third quarter, an increase of 44.6% year-on-year, returning to the top three in the world for the first time in six years, with a market share of 13.5%, and maintaining the highest growth rate among the top five mobile phone manufacturers in the world.

Xiaomi Group’s third-quarter report slightly exceeded market expectations, mainly due to the performance of mobile phone sales and profits in the European market exceeding guidelines. From the perspective of major indicators such as revenue, profit, cash flow, and profit margin, Xiaomi’s third-quarter report has set new highs since its listing, which is eye-catching. In the future, under the circumstance that Huawei’s 5G chips are still limited, we judge that Xiaomi is the main mobile phone manufacturer to undertake Huawei’s share and compete with Apple and Samsung in overseas markets, and will continue to gain excess market share.

CICC recently released a research report to adjust the global smartphone share forecast in 2021. The bank maintained the global smartphone shipment in 2021 to 1.507 billion, an increase of 12.1% year-on-year. In terms of Xiaomi Group-W (01810), considering that the company’s overseas layout is relatively leading and the performance advantage is obvious, it is optimistic that Xiaomi can occupy the overseas mid-range and part of the high-end market share that Huawei is gradually withdrawing. Therefore, the bank maintained Xiaomi’s 2021 forecast 200 million department, growing by 51.5% year-on-year, ranking third in the world, and introduced the 2022 forecast 240 million department, growing by 20% year-on-year.

Xiaomi has a new move! Blockchain patents are coming

According to Tianyancha, Xiaomi Digital Technology Co., Ltd. recently published a blockchain-related patent application, titled "Method, device, readable storage medium and blockchain network for generating blockchain", and the patent publication number is CN112102081A.

The patent abstract shows that the present disclosure relates to a method, device, readable storage medium, and blockchain network for generating a blockchain, in order to increase the capacity of the blockchain.

According to Tianyancha, Xiaomi Digital Technology Co., Ltd. was established in December 2013. The legal representative is Hong Feng, with a registered capital of about 2.313 billion yuan. Its business scope includes electronic payment technology, payment and settlement technology and clearing system technology development, technology transfer, technology consultation, and technical services. It is wholly-owned by Xiaomi Commercial Factoring (Tianjin) Co., Ltd.

In fact, this is not the first time Xiaomi has tried blockchain. As early as April 2017, Xiaomi proposed a blockchain industry solution, aiming at "the interaction and collaboration of marketing big data", and the purpose is to open up the pain points of information islands that are common in the big data industry.

At the same time, Xiaomi also entered the 2018 Hurun Blockchain Innovation Enterprise Ranking TOP50 due to its application in digital marketing.

[Disclaimer] The upstream news client side is not marked with "Source: Upstream News-Chongqing Morning News" or "Upstream News LOGO, watermark text, pictures, audio and video and other manuscripts are all reprinted manuscripts. If the reprinted manuscript involves copyright and other issues, please contact the upstream news.

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Battlefield 2042’s refund petition has attracted nearly 190,000 signatures

　　 The negative news that "Battlefield 2042" has exposed one after another may no longer be considered news.

　　When the game was first released in November 2021, Battlefield 2042 was on the verge of becoming the lowest-rated game ever on Steam due to a large number of gameplay issues, numerous bugs, and poor optimization. Since then, several small updates have slightly recovered some of the reputation, but only increased the game’s praise rate from 10% to around 30%.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

　　The number of active players is a faithful feedback on the quality of the game. In the past four months, Battlefield 2042 has lost nearly 100,000 players on the Steam platform alone. Since February, the number of online players has only been four digits, lower than the predecessors Battlefield 1 and Battlefield 5. For a shooter game that focuses on multiplayer combat, such a loss of players is undoubtedly quite lethal.

　　Unable to wait for an update that would revolutionize Battlefield 2042, players decided to resort to the most extreme measure: a refund.

　　Of course, every game platform, from PC to console, has a refund policy. Steam requires players to make a request within 14 days of purchase and to play the game for no more than two hours. Console platforms have a more restrictive policy for digital games, unless there is a serious problem with the game, such as when Sony and Microsoft relaxed the refund policy when Cyberpunk 2077 was released.

　　Under the influence of bugs and technical problems, many players were unable to experience any complete game during the refund period. It has become an inevitable demand of these players to call on the major platforms that released "Battlefield 2042" to relax the refund policy.

　　In January, a person who identified himself as "Satoshi Nakamoto" posted a petition on the American petition website Change.org. The petition was aimed at the development team of the "Battlefield" series, DICE, the Steam platform, Sony, Microsoft, and the Federal Trade Commission, which protects the rights of American consumers. The goal is to obtain a full refund for players on all platforms where "Battlefield 2042" has been released.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

　　Battlefield 2042, the petition notes, is "a mockery of every player who bought a game because of EA’s false claims." EA and DICE released the game after failing to live up to a lot of their promotional promises, and their Battlefield 2042 was released in a nearly unplayable version. Four months later, the game still has a large number of bugs that seriously affect the experience.

　　The author believes that "billion-dollar companies making unfinished games and publishing false propaganda" is a kind of "abuse" and "bullying" against players, which cannot be tolerated by the general player community.

　　To that end, he said that if the petition received more than 50,000 signatures, he would contact some of the "best class action lawyers" to take EA and DICE to court.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

　　At first, the petition did not receive much attention. However, the official announcement of Battlefield 2042 to postpone the update twice in a row gave the petition a wave of help.

　　On February 1, the official website of Battlefield 2042 announced that the first season of the major update will be released at the beginning of this summer, which means that players who have long been bored with the existing content will have to wait three or four months to play the new thing. The announcement also mentions several upcoming and undetermined minor updates, which plan to introduce features such as scoreboards, voice communication and player profiles present on all major platforms, although these features do not solve the game’s most lethal stability and gameplay problems.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

* Announcement on Chinese official website

　　Battlefield 2042 removed the scoreboard for unknown reasons. Many players hoped that this simple feature would return, and officials have received feedback to put it on the update schedule. It is expected that an update of the actual scoreboard in mid-to-late February will also provide a conceptual graph that looks inseparable.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

* Official scoreboard conceptual graph

　　However, on February 3, the official Twitter suddenly announced that the scoreboard, together with related minor updates, would be delayed until early March.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

　　Big updates and small updates have been released one after another, breaking the hearts of players. After February 3, the number of people who followed the refund petition on the Change website grew rapidly. In just one week, the number of signatures of the petition grew from 700 to hundreds of thousands. By the time of this article, nearly 190,000 people had participated in the petition. Including the US media "Newsweek", more than 240 news articles in the United States alone have followed and reported on the petition.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

　Battlefield 2042 Petition: Why Players Are Right to Ask for Refunds

　　When the number of signatories exceeded 120,000, the petition author updated a log. The log noted that he noticed that EA’s relevant agreement may have protected them from litigation, but he still felt there was a way to deal with it.

　　There are no laws or regulations prohibiting companies from selling unfinished games as final products. If class-action lawsuits don’t work out, he will try to contact a U.S. senator to draft legislation that would create a "done definition" for paid games, protecting consumers from games that require high prices.

Battlefield 2042's refund petition has attracted nearly 190,000 signatures

* "Definition of Done"

　　Although the number of people participating in the petition has exceeded the peak of Steam players in Battlefield 2042, Change.org is just a petition website, which allows anyone to petition anonymously, and does not investigate whether the petitioner has actually bought the game in advance. It may express some expectations of the public, but it has no authority and actual legal effect.

　　Even if the author of the petition is really the mysterious inventor of Bitcoin, "Satoshi Nakamoto", it is difficult to say that this petition will not end without a result. However, the views raised by the author in the petition and the dissatisfaction and anger of the players exposed in the petition should bring some kind of warning to the entire game industry:

　　Not all games are called "No Man’s Sky". For a game to hit the shelves at the price of a full game, it is better to make a relatively complete game at the outset than to rely on countless subsequent updates to make up for the incompleteness of the game.

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The flight attendant was killed in a hitchhiker, and Didi apologized and offered a reward of one million for the suspect

　　CCTV News:On May 10, a news that "lost contact for two days, a flight attendant was killed in a taxi late at night" attracted attention. It is understood that the murdered flight attendant was 21 years old, 1.74 meters tall, and was the "only daughter" of the family. For this matter, the Didi platform said it would cooperate with the police investigation and offered a reward of 1 million yuan to find the suspected driver.

　　Zhengzhou police reported on the evening of the 10th that Liu Mouhua (male, 27 years old, from Zhengzhou Airport Area), an online taxi driver, was suspected of committing a major crime.After the task force retrieved multiple surveillance channels near the scene of the incident and tracked it along the line, it was revealed that the suspect Liu Mouhua abandoned his car and jumped into the river after committing the crime. Now the police are making every effort to search for him in the relevant area.

　　On May 6, the flight attendant was killed after taking a car to the city in the Zhengzhou airport area of Henan Province. The Zhengzhou police handling the case told the media that the perpetrator was a Didi driver with a murder weapon. The murderer was still absconding and the police were arresting him.

　　According to friends of the victims’ families, shortly after the ride, Li Zeng told his colleagues on WeChat that the driver was a little perverted, saying that she was beautiful and wanted to kiss her, so his colleagues advised her to get out of the car quickly.

　　On the 6th, Li was unable to be contacted, and the family was very worried. Because Li’s colleagues knew that Li was riding Didi that night, Li’s family began to contact the Didi company and rushed to the police to report the case. On the 8th, the police informed the family that Li’s body had been found with multiple knives.

　　After the incident, Didi officials confirmed that the company had verified that the driver was a ride-hailing driver, and the registration information was genuine.

　　Didi platform apologizes and offers a reward 1 million find the suspected driver

　　Regarding this matter, at noon on the 10th, the Didi platform responded by saying:

　　In the face of such a tragedy, no words can express Didi’s deep remorse. Didi sincerely apologizes to Ms. Li’s family. As a platform, it has betrayed the trust of users and bears an unshirkable responsibility in this matter.

　　At present, Didi has established a special project working group to closely cooperate with the police to carry out the investigation of the case, and the case is being solved. Didi will do its best to assist the police to solve the case as soon as possible, bring the murderer to justice, and give justice to Ms. Li and her family.

　　In addition, Didi publicly solicits clues from the whole society to find the suspected driver (named Liu Zhenhua’s hitchhiker driver). For enthusiastic people who provide clues, Didi will reward up to 1 million yuan depending on the importance of the clues.

　　In fact, this is not the first time a Didi driver has been involved in a criminal case. In May 2016, Zhong, a 24-year-old female teacher in Shenzhen, was taken to a remote place to rob and kill after riding Didi Hitch late at night.

　　The police found that the license plate of the vehicle involved in the killing of the driver was temporarily forged. The use of counterfeit license plates can also smoothly receive orders. The case exposed various loopholes in Didi’s offline driver review.

　　After the incident, Didi said that it will work with the public security organs to establish a more complete and timely control system and detection linkage mechanism, and will also further improve the driver safety and service credit system internally, and strengthen safety measures for passengers to avoid similar incidents to the greatest extent.

　　However, the tragedy still happened again…

　　Lack of supervision has laid a hidden danger for tragedy

　　Freezing three feet is not a day’s cold. If you jump out of this incident and take a comprehensive look at the Didi platform, it has to be said that, as the largest online ride-hailing platform in China, Didi has been busy harvesting market dividends in the past two years, neglecting the supervision of the qualifications and service quality of drivers, which has long laid a hidden danger for the tragedy.

　　According to previous media reports, in Hangzhou, Zhejiang, there are a large number of cases where drivers providing services have not obtained the "Online Booking Taxi Driver’s License", and vehicles providing services have not obtained the "Online Booking Taxi Transportation License".

　　In the centralized rectification of online car-hailing carried out by the Hangzhou transportation management department since March 22, more than 200 illegal cases of online car-hailing were seized, and Didi platform vehicles accounted for more than 90%. In other cities, the traffic management department has interviewed and punished Didi many times, but after Didi paid the fine, there is no follow-up on the platform rectification. The reason why it has been "let go" repeatedly is also related to its huge size, large number of users and wide range of involvement.

　　Human life is at stake. In addition to strict checks on the platform, it is also necessary for relevant departments to intervene, thoroughly investigate various management hazards existing in Didi, and severely punish violations of laws and regulations. Otherwise, I am afraid the same tragedy will occur.

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