002314SZSE

Zhongkai Finance Co., Ltd. Risk Assessment Report as of December 31, 2025

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This report assesses the risk status of Zhongkai Finance Co., Ltd. based on its financial reports and business qualifications. The company was established in 2013 and operates as a non-bank financial institution. Its business scope includes absorbing deposits, providing loans, and offering various financial services to member units. The report concludes that the company operates legally, meets regulatory requirements, and its risk management is not deficient, with inter-company financial transactions being controllable.

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Shenzhen Xin Nan Shan Holdings (Group) Co., Ltd. Risk Assessment Report of Zhongkai Finance Co., Ltd. as of December 31, 2025

Shenzhen Xin Nan Shan Holdings (Group) Co., Ltd. (hereinafter referred to as "the Company") has reviewed the "Financial Permit" and "Business License" and other supporting documents of Zhongkai Finance Co., Ltd. (hereinafter referred to as "the Finance Company"), and has reviewed the Finance Company's periodic financial reports, including the balance sheet, income statement, and cash flow statement, to assess the Finance Company's operating qualifications, business, and risk status. The relevant risk assessment report is hereby submitted as follows:

I. Basic Information of the Finance Company

The Finance Company was established on July 24, 2013, and is a non-bank financial institution approved by the China Banking and Insurance Regulatory Commission (formerly the China Banking Regulatory Commission).

Company Address: North side of the 29th floor, Zhaowan Headquarters Building, No. 8 Zhaowan Six Road, Nanshan District, Shenzhen.

Legal Representative: Lan Jianfeng

Financial Permit Institution Code: L0078H244030001

Unified Social Credit Code: 9144030007437198X0

Registered Capital: RMB 1 billion

Shareholder Structure: China Nanshan Development (Group) Co., Ltd. holds 60%; Shenzhen Xin Nan Shan Holdings (Group) Co., Ltd. holds 40%.

Business Scope: Absorbing deposits from member units; handling loans for member units; handling bill discounts for member units; handling fund settlement and payment for member units; providing entrusted loans, bond underwriting, non-financing guarantees, financial advisory, credit verification, and agency services for member units; engaging in interbank lending; handling bill acceptances for member units; providing buyer credit and consumer credit for member unit products; investing in fixed-income securities.

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