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Consumer Finance

Yusys’ consumer finance solution is an all-round and full life cycle industry solution for consumer financial institutions based on core system development, business operation cooperation, technology empowerment of financial institutions, and Yusys’ consumer finance business innovation experience of more than 10 years. It covers complete solutions for the entire life cycle of consumer finance company opening preparations, technological operations, business innovations, data cooperation, and asset fund integration.

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Finance Companies

As a leading corporation in the domestic financial technology industry, Yusys Technologies entered the financial company service field that represents the group's industrial finance, in 2015. After years of efforts, it has gained the ability to serve financial company infrastructure, service groups, and serve upstream and downstream financial technology services in all fields. Among them, infrastructure construction of finance companies includes unified business construction, data construction, and channel construction. Group services take treasury management as the core, covering internal liquidity, unified investment and financing, and risk management, and industry upstream and downstream services include supply chain finance and scenario finance associated with group enterprises.

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Auto Finance

At present, Yusys Technologies has established cooperative relationships with a number of auto finance, banking, and financial company customers in the fields of retail car purchase, inventory financing, and financial leasing, and has established an auto finance team within the company. It has a team of nearly 100 people and serves all kinds of financial customers in China, and is committed to providing one-stop automotive financial informatization solutions including customer acquisition, channel connection, mobile office, loan approval, contract management, loan payment, and post loan management.

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Securities and Trust

Yusys Technologies has participated in IT construction in the trust and securities industries since 2010. It has successively cooperated with trust clients such as CITIC Trust, CCB Trust, Ping An Trust, Foreign Trade Trust, AVIC Trust, Minmetals Trust, Kunlun Trust, and other trust customers, and cooperated with Shenwan Hongyuan Securities , Industrial Securities, Guotai Junan Securities, CITIC Securities, China Development Bank Securities, and other securities customers. It has established a team that is proficient in the trust and securities business and formed a complete set of mature product solutions and systems. Yusys Technologies takes the trust and securities market as a breakthrough and has gradually established its product advantages in the trust, securities and the entire asset management industry!

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Finance Leasing

With its rich experience and leading technology in financial IT consulting services, program planning, product development, as well as in-depth understanding and extensive cooperation in the financial leasing industry, Yusys Technologies is facing an increasingly sophisticated and professional format, adhering to "technology + products+business+operation” integrated strategy, which empowers financial leasing technology, improves quality and efficiency, and actively tailors the best IT solutions for financial leasing companies.

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Integrated Management Solution

Standard business processing procedures and rules:Flexibly design standardized and unified business processing procedures, formulate unified business rules, reduce participation in institutional system development, reduce system complexity, and ensure safe, stable and efficient system operation.Efficient fund payment and clearing function:Support 24*7 business operation, meet customers’ all-weather payment needs, and adopt real-time processing and full settlement of funds for payment business. Every payment business is received in real time, realizing zero inter-agency fund clearing in transit, providing customers with convenient and efficient payment and settlement services, and improving the efficiency of fund use.

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Online Loan Operation

After several years of development and operation, Yusys Technologies' online loan platform has the characteristics of "fast launch, good scalability, and easy operation and maintenance". It flexibly adopts the cooperation model of "profit before paying", giving full play to the "zero cost investment" to build the online loan operations. The financial platform helps various banks and credit institutions to expand the scale of the online lending market while optimizing their asset structure, improve capital quality, and reduce financial risks. Yusys Technologies also provides comprehensive operational support for customers' online loan business, from whitelisting services, marketing services, risk control consulting, to modeling services, customer management, and risk monitoring. The nearly 200-person team covers various roles such as product, technology, operation, and maintenance, and all team members have internet financial technology and banking experience.According to the IDC report, the market share of Yusys Technologies' online loan solutions ranks first in the industry.

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Smart Bank Branch Operation

Yusys Technologies has an industry-leading overall smart banking solution, which aims to help banks quickly realize smart and digital transformation. It helps banks quickly transform from traditional outlets to smart banks with data knowledge plus platform operation as the core, and help banks through various advanced concepts, equipment, and technology applications combined with the banks’ customers, businesses, products and services. It focuses on changes in customer structure and needs, from omni-channel integration, smart interaction, smart insight, smart operations, digital operations, precision marketing, and smart management and control perspectives. The solution has led to in-depth changes in branch positioning, business models, spatial environment, transaction processes, service processes, marketing models, and management and control models in different dimensions to comprehensively improve branch service efficiency, customer experience and branch capacity, effectively reducing banks’ operating costs and improving operating efficiency.

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Big Data Risk Scoring

Yusys Technologies aims to help financial institutions develop stably and has partnered with several big data risk control companies in China for intelligent risk control and anti-fraud measures. Leveraging its more than 20 years of service experience in the banking industry, Yusys Technologies has integrated the data capabilities of authoritative institutions such as public security, social security, UnionPay, railways, and aviation, and introduced the world’s leading knowledge map, neural network, machine learning, and other technical capabilities to create an intelligent risk control and anti-fraud product system. The solution includes verification products, anti-fraud scoring, risk warning, marketing customer profiles, and “Wallet Location Radar ”, providing financial institutions with "targeted marketing – intelligent anti-fraud-application approval – risk warning" and other intelligent risk control throughout the process.

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Existing Customer Remarketing Platform

As traffic dividends and demographic dividends are gradually disappearing, how to tap new traffic opportunities in the remaining market and accurately reach target customers has become an urgent problem for many financial institutions. Accordingly, Yusys Technologies launched SCM, a remarketing platform for existing customers. The SCM platform adopts a cooperative operation model. Financial institutions do not need to bear any costs in the early stage, but pay according to the marketing conversion results. To improve customer contribution, retention, and brand awareness, the platform uses big data and machine learning to conduct accurate customer analysis and product marketing.

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Scenario-Based Financial Operations

Upholding the principle of win-win concept, Yusys helps financial institutions improve their digital financial service capabilities, and expand the open financial business ecosystem through open financial empowerment service platforms connecting financial scenarios , . The services mainly include business consultation, technical consultation, scenario docking, smart risk control, credit card business SaaS service, operation support, and data analysis, etc.

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Consultation

Yusys Technologies combines advanced Chinese and international management concepts and business models to provide IT planning consulting, business and management consulting, and commercial software implementation consulting. The company’s high-quality expert think tanks rely on their years of experience, understanding and grasp of the domestic financial IT industry to provide increasingly advanced perspectives for the financial industry, help improve bank operations and management, implement management concepts into specific business consulting services, and provide advanced system tools in the industry. The advantages of Yusys Technologies' consulting services are reflected in its comprehensive consulting, integration, and implementation capabilities for different customers and projects in the industry.

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User Experience and Design

The User Experience Innovation Division has conducted more than 10 years of user experience research, has strong exposure to user experience projects in China and foreign countries, and has good international vision as well as a fully functional user experience innovation laboratory. Yusys uses scientific methods that take into account China's domestic situation and social conditions, to provide customers with high-quality user experience research, design, evaluation, standardization, and training, and treats design as a dynamic process. In the design process, the designers, engineers, and marketing planning and promotion experts improve the products and services. The services include human-computer interaction, usability research, interface design, and customer experience research and cover many industries such as education, finance, communications, healthcare, internet, and transportation.

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Application Development

Yusys Technologies provides financial industry customers with diversified technologies, multi-region support, and full life cycle technology development services. Leveraging its professional CMMI5, ISO9001, ISO20000, and ISO27001 certification, Yusys provides customers with standard technology development services. So far, Yusys has provided technology development services to more than 750 financial institutions from home and abroad. Thanks to its ever-growing industry exposure and experience, Yusys can help customers save costs and improve IT development.

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Testing

As a software and IT service company that provides a full range of products to the financial industry, Yusys Technologies' testing services have become an integral component in the whole product lines. The testing team focuses on continuously improving the quality of application systems, controlling system performance and availability, controlling project costs and risks, and creating a reliable testing service brand. Keeping track of international leading technologies, Yusys Technologies' testing team has accumulated rich best practices, and is committed to providing customers with high-quality testing services.

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Operation and Maintenance

After more than 20 years of experience and ongoing development in the financial industry, Yusys Technologies’ operation and maintenance business has established a multi-dimensional integrated delivery model of "system consulting + operation and maintenance products + technical support", and has established a high-end expert team, with solutions and implementation capabilities for new development, operation, optimization, and continuous improvement of data center. The company is now the leading operation and maintenance service provider in the industry.

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IT System Value-added Services

The IT system value-added services cover all-round services such as financial data center consulting planning, construction implementation, security maintenance, etc. Through cloud computing, big data, distributed technology, agile operation, and other technical means, Yusys enables financial customers to build advanced IT architecture, agile IT capabilities, and ensures their strong IT performance, to realize a transformation from the status quo into sensitive-state data centers.

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Yusys Technologies finishes 2020 with quality growth; net profit jumps more than 65%

2021-04-07

Yusys Technologies Co., Ltd. (300674) published its 2020 financial report on March 31, 2021, delivering remarkable growth statistics achieved through a combination of technological innovation and sophisticated operations.

 

Revenue for Yusys Technologies in 2020 was 2.982 billion yuan, of which revenue attributable to the parent company was 453 million yuan, representing a year-on-year increase of 65.18%. The net profit attributable to the parent company, excluding share incentive expenses and extraordinary item, was 385 million yuan for an increase of 45.88% relative to the previous year.

 

Yusys Technologies improved management and operational efficiency during the period of the report, doing so through the use of IT systems and big data analytics. This resulted in significant improvements in key operational indicators. Statistically, Yusys Technologies’ net operating cash flow was 363 million yuan, thereby achieving a year-on-year increase of 101.15%. The profit margin on net assets was 21.90%, a year-on-year increase of 6%. The gross profit margin also increased from the previous year.

 

Yusys Tech's main business enjoys record growth, and the three major product lines advance

 

The COVID-19 pandemic served to hasten the digitalization process in several industries. Consequently, the digital transformation of the banking industry was accelerated as part of China's strategy for the use of information technology as the means to innovate throughout the major sectors, and there was increased demand for financial technology.

 

Given the critical environment of pandemic prevention and cure, Yusys Technologies has overcome difficulties and demonstrated remarkable resilience. Once the domestic COVID-19 situation began to ease in late March--thank to the public's willingness to implement prevention measures--the company resumed a full production schedule. Software development and services--a strong business unit within Yusys Technologies--recovered rapidly. As a result, there was year-on-year growth in three consecutive quarters and consistent growth from the month-on-month perspective. For the second quarter, the year-on-year growth rate increased by 15.06%. Results were also strong in the fourth quarter, registering year-on-year growth of 27.18%.

 

Yusys Technologies has formed the first echelon, having credit, data and supervision as the three lead product categories. According to the latest report from the research firm IDC, Yusys Technologies ranks among the top three in the market for nearly half of the IT solutions that target the banking industry. In fact, Yusys Technologies ranks first for credit management and regulatory reporting, and ranks second in the data field.

 

The company boosted research, development and market expansion, enhanced competitiveness and consolidated its position as the frontrunner in 2020. The three major product lines advanced hand in hand with strong momentum and completed the strategic introduction of innovative solutions. Thus, a solid foundation for business development in the following years was created.

 

Additionally, Yusys Technologies completed the research and development phase for a series of data middle platform products based on its own distribution and microservices technology architecture. Moreover, it certified product compatibility with important domestic providers of basic software and hardware. In the process, the company initiated the company's strategic development in the field of financial credit innovation. In 2020, Yusys Technologies provided data middle platform solutions and services to more than 20 customers, including various financial institutions such as state-owned banks, joint-stock banks, city commercial banks, rural commercial banks and trust companies.

 

Yusys Technologies' credit products from credit management to post-loan asset management, thus ensuring a keen competitive edge. Moreover, given the deepening partnership with strategic shareholder Baidu, Yusys Technologies has integrated that company's AI technologies--including intelligent speech, image recognition and intelligent text segmentation--to create an array of credit products. This forms the seven core capabilities in intelligent credit, which collectively implement the intelligent re-engineering of credit business processing for customers through the advanced use of digital credit systems. The company has also established a team of professional credit consultants. The team will create an integrated business model consisting of "Consultation + Product + Implementation" so as to empower small and medium banks.

 

Yusys Technologies’ regulatory product line is growing and maturing. It can meet full reporting requirements by the China Banking and Insurance Regulatory Commission, the People’s Bank of China and the State Administration of Foreign Exchange. Products and solutions have been implemented in banks such as two state-owned commercial banks, six joint-stock banks, a number of city commercial banks, rural commercial banks and rural credit banks as well as other financial institutions such as trust, finance, leasing and consumer gold.

 

Significantly, although the expansion of overseas business has been affected to some extent due to the COVID-19 pandemic, it continues to advance. In the Singapore market, Yusys Technologies provides a regulatory report submission platform system for a Chinese state-owned bank, which is in the trial phase. Through remote delivery, the company has also completed the POC of transformation of a Singapore bank branch, thus encouraging follow-up partnership. In the Indonesian market, Yusys Technologies also attained breakthroughs in 2020, with related projects officially launched and operating stably.

 

Additionally, Yusys Technologies is integrating resources with partners such as Huawei, NTT DATA and Singapore's OCBC Bank to jointly develop the Southeast Asian market. It is anticipated that the expansion of overseas markets will be an important part of Yusys Technologies’ new five-year development strategy.

 

Innovative operations business maintains high growth, and new momentum drives multipolar growth

 

The company's innovative operations business was relatively less affected by the pandemic, and consequently that segment enjoyed better profitability and a larger margin, thereby ensuring deeper revenue sources and facilitating multipolar growth for Yusys Technologies. When 2020 is taken as a whole, the company's revenue from innovative operations grew 47.53% in relation to the previous year.

 

The financial ecological platform jointly operated by Yusys Technologies and its clients continued to perform strongly during the period of this report, with two new clients launching and trial operations getting underway. During the fourth quarter the company also signed its first major state-owned bank, an achievement made possible by innovation. Concurrently, amid the process of implementing retail transformation strategy for existing customers, Yusys Technologies used innovative operation business to expand business opportunities horizontally and promote the development of software development business.

 

Yusys Technologies will continue to promote deeper integration with Baidu, to jointly create an intelligent financial cloud. The cooperative operation model, with financial cloud services as the carrier, will play an important part in the evolution of Yusys Technologies. According to IDC's latest report, "Tracking China's Financial Cloud Market (Jan. - June 2020),” Yusys Financial Cloud ranks at the top in the cloud-application solution market of China's banking industry.

 

Increase investment in technology research and development

 

Technology is fundamental to innovation. Research, development and technological innovation has been an important aspect of Yusys Technologies since its establishment. In 2020, the company's R&D investment increased by 14.20% relative to the previous year.

 

Yusys Technologies, as a leading domestic financial IT solution provider, innovates constantly. It captures industry dividends and leads the industry in the pursuit of business development. Thus Yusys Technologies, in 2021 and beyond, will continue the effort to innovate in financial operational business, non-bank financial markets and overseas markets. High-quality growth is more than simply a mission. It's the expectation.

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