换肤

主营介绍

  • 主营业务:

    第三方支付、保理、供应链等业务

  • 产品类型:

    批发零售业、服务业、保理行业、金融业、制造业

  • 产品名称:

    供应链业务 、 第三方支付 、 保理业务 、 信用卡推广 、 助贷业务 、 小额贷款业务 、 ATM机业务 、 漆包线

  • 经营范围:

    实业投资,资产管理。(未经金融等监管部门批准不得从事向公众融资存款、融资担保、代客理财等金融服务),投资咨询服务,信息系统集成服务,信息技术咨询服务,数据处理、数据库服务,企业征信服务,网络技术的研究开发、技术咨询、技术服务,软件开发,企业管理咨询服务,供应链管理,从事进出口业务。(依法须经批准的项目,经相关部门批准后方可开展经营活动)

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 服务业 4.88亿 82.09% 3.59亿 81.02% 90.38% 26.49%
批发零售业 7780.80万 13.10% 7665.23万 17.32% 0.81% 1.49%
保理行业 1993.47万 3.36% 734.06万 1.66% 8.81% 63.18%
融资租赁业 454.21万 0.76% - - - -
金融业 415.31万 0.70% - - - -
按产品 第三方支付 4.81亿 81.20% 3.59亿 81.02% 89.91% 25.46%
供应链业务 7780.80万 13.13% 7665.23万 17.32% 0.85% 1.49%
保理业务 1993.47万 3.37% 734.06万 1.66% 9.24% 63.18%
信息服务业务 495.56万 0.84% - - - -
融资租赁 454.21万 0.77% - - - -
小额贷款业务 415.31万 0.70% - - - -
按地区 国内 5.94亿 100.00% 4.43亿 100.00% 100.00% 25.52%

主要客户及供应商

您对此栏目的评价: 有用 没用 提建议
前5大客户:共销售了4.82亿元,占营业收入的32.42%
">
  • 客户1
  • 客户2
  • 客户3
  • 客户4
  • 客户5
  • 其他
客户名称 销售额(元) 占比
客户1
2.22亿 14.93%
客户2
8603.17万 5.79%
客户3
8450.28万 5.69%
客户4
4690.21万 3.16%
客户5
4245.25万 2.86%
前5大供应商:共采购了6.42亿元,占总采购额的53.23%
">
  • 供应商1
  • 供应商2
  • 供应商3
  • 供应商4
  • 供应商5
  • 其他
客户名称 采购额(元) 占比
供应商1
2.11亿 17.50%
供应商2
1.49亿 12.32%
供应商3
1.28亿 10.64%
供应商4
8442.35万 7.00%
供应商5
6964.15万 5.77%
前5大客户:共销售了5.36亿元,占营业收入的56.17%
">
  • 客户一
  • 客户二
  • 客户三
  • 客户四
  • 客户五
  • 其他
客户名称 销售额(元) 占比
客户一
3.04亿 31.84%
客户二
7162.70万 7.51%
客户三
5877.02万 6.16%
客户四
5396.28万 5.66%
客户五
4771.96万 5.00%
前5大供应商:共采购了3.92亿元,占总采购额的50.94%
">
  • 供应商一
  • 供应商二
  • 供应商三
  • 供应商四
  • 供应商五
  • 其他
客户名称 采购额(元) 占比
供应商一
1.12亿 14.62%
供应商二
8563.45万 11.13%
供应商三
6935.02万 9.01%
供应商四
6766.62万 8.79%
供应商五
5687.54万 7.39%
前5大客户:共销售了17.19亿元,占营业收入的65.06%
">
  • 客户5
  • 客户4
  • 客户3
  • 客户2
  • 客户1
  • 其他
客户名称 销售额(元) 占比
客户5
6.08亿 23.03%
客户4
3.52亿 13.32%
客户3
2.99亿 11.30%
客户2
2.96亿 11.19%
客户1
1.64亿 6.22%
前5大供应商:共采购了15.42亿元,占总采购额的56.24%
">
  • 客户5
  • 客户4
  • 客户3
  • 客户2
  • 客户1
  • 其他
客户名称 采购额(元) 占比
客户5
8.41亿 30.68%
客户4
2.13亿 7.77%
客户3
1.80亿 6.55%
客户2
1.70亿 6.20%
客户1
1.38亿 5.04%
前5大客户:共销售了27.78亿元,占营业收入的62.36%
">
  • 客户1
  • 客户2
  • 客户3
  • 客户4
  • 客户5
  • 其他
客户名称 销售额(元) 占比
客户1
6.44亿 14.46%
客户2
6.13亿 13.76%
客户3
6.05亿 13.57%
客户4
5.29亿 11.87%
客户5
3.88亿 8.70%
前5大供应商:共采购了19.59亿元,占总采购额的45.08%
">
  • 客户1
  • 客户3
  • 客户2
  • 客户5
  • 客户4
  • 其他
客户名称 采购额(元) 占比
客户1
4.99亿 11.49%
客户3
3.94亿 9.08%
客户2
3.74亿 8.61%
客户5
3.53亿 8.11%
客户4
3.39亿 7.79%
前5大客户:共销售了33.16亿元,占营业收入的71.56%
">
  • 客户一
  • 客户二
  • 客户三
  • 客户四
  • 客户五
  • 其他
客户名称 销售额(元) 占比
客户一
11.62亿 25.07%
客户二
8.70亿 18.77%
客户三
5.06亿 10.91%
客户四
4.41亿 9.51%
客户五
3.38亿 7.30%
前5大供应商:共采购了24.87亿元,占总采购额的55.09%
">
  • 客户一
  • 客户二
  • 客户三
  • 客户四
  • 客户五
  • 其他
客户名称 采购额(元) 占比
客户一
7.91亿 17.53%
客户二
5.55亿 12.29%
客户三
4.26亿 9.45%
客户四
4.07亿 9.03%
客户五
3.07亿 6.80%

董事会经营评述

  一、概述  2019年上半年,面临错综复杂的经济形势和市场环境,公司管理层积极应对、主动作为、多点突破,实现公司整体经营稳定、健康、有序的发展,其中第三方支付业务快速增长,租赁、保理、供应链和小贷业务稳扎稳打。具体如下:  一、保持战略定力,坚定发展信心  2019年上半年,公司继续坚定不移地贯彻"打造金融科技生态圈、完善金融科技产业链"战略发展规划,毫不动摇地推进具体项目落地。报告期内,公司整体实现营业收入5.94亿元,与去年同期相比略有下降,实现归属于上市公司股东的净利润3096.75万元,同比增长223.58%,体现了公司整体资产质地、盈利能力和风控水平的提升。  二、加快市场拓展,... 查看全部▼

  一、概述
  2019年上半年,面临错综复杂的经济形势和市场环境,公司管理层积极应对、主动作为、多点突破,实现公司整体经营稳定、健康、有序的发展,其中第三方支付业务快速增长,租赁、保理、供应链和小贷业务稳扎稳打。具体如下:
  一、保持战略定力,坚定发展信心
  2019年上半年,公司继续坚定不移地贯彻"打造金融科技生态圈、完善金融科技产业链"战略发展规划,毫不动摇地推进具体项目落地。报告期内,公司整体实现营业收入5.94亿元,与去年同期相比略有下降,实现归属于上市公司股东的净利润3096.75万元,同比增长223.58%,体现了公司整体资产质地、盈利能力和风控水平的提升。
  二、加快市场拓展,提升竞争能力
  在监管趋严、行业竞争加剧的背景下,公司坚持"融合创新、服务实体"的市场定位,各产业板块修炼内功、深挖潜力、拓展市场。其中,第三方支付产业加强技术研发,发力B端市场,持续探索定位,寻求差异化发展道路;租赁产业坚持风险防控、优中取优,与京东金融、北京银行、兴业银行等密切合作;保理及供应链产业加大市场开发、创新业务模式、丰富项目储备,为后续发力奠定坚实的基础;小贷业务坚持合规经营、风险把控,逐步对接市场需求,释放市场增量。
  三、完善公司治理,维护股东利益
  公司持续完善公司治理水平,维护广大股东利益,为公司和股东的长远利益保驾护航。2019年上半年,公司积极健全并完善内控制度建设,规范三会运行,提升信息披露、投资者关系管理等方面工作,并通过互动易平台、投资者来电接听等多种方式,保证投资者与上市公司交流畅通。
  面对国内外日益复杂的经济形势及产业变革,尤其是供给侧改革的深入推进,2019年下半年,公司一方面将通过不断完善管理制度和优化内部流程,实现降本增效;另一方面不断探索营销场景和业务模式的创新,从而进一步提升市场竞争力;再一方面以市场为导向,在稳定现有市场的情况下,持续加大对国内外新客户的开发力度,不断巩固和扩大市场占有率。

  二、公司面临的风险和应对措施
  1、商誉等资产的减值风险
  广东合利未来经营业绩的影响因素发生不利变化所导致的盈利能力下降风险,对公司经营业绩造成影响,有可能导致广东合利的商誉存在一定的减值风险。公司通过加强内部控制管理、积极拓展业务、完善系统建设、招募第三方支付的专业团队等措施,提升广东合利的经营业绩。积极拓展广东合利的保理、征信、互联网小贷等业务,打造以支付为入口的金融科技生态闭环,通过多元化的业务模式,为广东合利的业绩提供有力支撑。
  2、因行业监管政策变化导致其业务受到不利影响的风险
  相关法律法规的颁布代表主管部门向非金融机构放开了第三方支付市场,但由于该行业与国家金融体系的平稳运行密切相关,主管部门对此行业的监管将趋于严格,若由于行业内某些企业的违法违规行为而扰乱金融市场、造成恶劣影响,主管机关可能对上述法律法规进行调整或出台趋紧的法律法规,收紧对非金融机构从事第三方支付业务的许可经营范围或加强对此行业的监管力度,这将深刻影响行业未来的发展方向和行业的竞争格局,从而可能对公司金融科技业务的稳定性与持续性产生重要影响。公司严格按照监管机构相关政策及要求在许可业务类型范围内合规开展第三方支付业务,最大限度降低政策风险对公司的不利影响;制定合规、有效的持续发展战略,引领行业市场规范,协同相关监管机构共同规范市场发展行为,保证公司发展的优先性和持续性。
  3、金融科技业务市场竞争风险
  金融科技业务处于快速发展阶段,具有产品和服务更新换代快的特点,若公司金融科技业务对技术、产品和市场的发展趋势不能正确判断,不能持续研发升级产品和服务,将导致公司的市场竞争能力下降,存在一定的市场竞争风险。公司实施有竞争力的人才政策,保证在金融科技行业的竞争中能引进优秀的各类人才。
  4、系统软硬件及技术风险
  技术风险是指由于软硬件及网络等原因导致的损失。具体包括:网络系统被恶意攻击,门户网站的页面被恶意替换,业务数据遭破坏或失窃,客户数据及密码信息遗失,造成资金损失;由于主机、网络以及其他设备等故障造成合利宝支付全部业务停顿,导致用户直接资金损失或间接损失;客户服务中心系统出现故障,导致客户服务工作停顿。根据对客户或其他相关单位造成损失的大小,公司受到的影响可能是支付赔偿金、缴纳罚款、暂停业务、被吊销《支付业务许可证》的风险。公司将配备充足的IT技术人员,加强系统及软硬件建设;加强相关软硬件设施的配备,以满足更多的业务种类和业务量;提高公司业务系统的安全级别,尽可能降低上述风险事件发生的可能性。
  5、客户的违法违规行为导致的经营风险
  商户弄虚作假,将通道嫁接给第三方使用或移做他用;违规资金进出;信用卡盗刷、恶意套现和拒付的风险。公司的商户自身发生违规行为,在选择商户时,若未严格执行对商户的筛选标准,导致出现上述违规行为进而造成交易量大幅下降,将会导致的手续费收入大幅减少的经营风险。公司将强化商户审核机制,严格按照公司商户准入制度实行准入制,对存量商户定期进行梳理,及时发现违规行为并采取有效防范措施;积极拓展市场,增加优质商户数量,降低对单一市场或行业的业绩依赖;公司坚持只提供支付服务,不参与交易业务原则。

  三、核心竞争力分析
  公司根据战略发展规划布局相关业务,已形成的核心竞争力如下:
  1、具备支付牌照的优势。
  公司一直坚持在国家主管部门的监管下合法、合规地开展业务,推进公司经营战略的发展。公司下属控股子公司拥有中国人民银行核发的支付业务许可证,经营范围覆盖全国的全业务的支付牌照,公司将充分利用支付牌照资质的优势,在继续保持原有支付业务的基础上,大力发展线上、线下及创新业务等其他第三方支付上下游相关业务。
  中国人民银行核发的支付业务经营许可牌照具有一定的稀缺性,具备在全国范围开展线上、线下支付业务的经营资质优势。
  2、产业链的协同发展优势。
  结合公司"打造金融科技生态圈,完善金融科技产业链"的经营发展战略,公司将在第三方支付、保理、供应链业务的基础上,合规、稳步推进互联网小额贷款业务、消费金融信息咨询和融资租赁等多元金融业务,逐步投资并布局金融科技产业链上下游,进一步搭建商业金融、科技金融、消费金融等创新金融领域的业务,全面打造金融科技生态圈。随着公司在金融科技产业链布局的落实与推进,使公司在产业战略协调方面优势明显,提升了整体竞争实力。
  3、客户资源整合优势。
  公司以第三方支付业务为入口端已积累了一批客户信息,具备比较明显的客户资源优势;公司还与中信银行等各类型金融机构、大型企业建立了战略合作伙伴关系;随着公司逐步建立业务模式与金融科技闭环生态系统,公司能够不断整合行业内的各类型客户资源,尤其是优质客户资源。公司对客户资源的整合能力,能为公司持续增强市场竞争力。
  4、金融科技产品研发技术优势与人才优势。
  作为拥有第三方支付全牌照的企业,截至报告期末公司及其子公司已获得多项安全类认证、发明专利、软件著作权、商标、域名、美术版权、产品登记证书等,还有多项商标、软件著作权等正在申请受理中,涵盖银行卡收单、移动支付、跨境支付、清结算系统等多个方面。其中,民盛小贷开发的民盛易贷业务系统、银河钱包小额贷款平台V1.0获得两项国家计算机软件著作登记证书。公司在发展过程中,不断招募和凝聚了一批由各层次骨干人才组成的经营团队和技术团队,公司技术人员占公司员工总数的30%以上。合利宝通过了广东省2017年第一批高新技术企业的认定,高新技术企业证书编号为GR201744001270,发证日期:2017年11月9日,有效期三年。技术和人才的优势保证了公司面对新应用、新需求时具备快速集成与融合和创新的能力,保障了公司的稳健持续发展,使得公司在行业内的竞争力不断增强。 收起▲