2025-08-29-港交所-佐力小贷_二零二五年中期报告页_57页_1mb

公司概况
佐力科創小額貸款股份有限公司成立于2011年，为浙江省德清县最大的持牌小额贷款公司之一，主要服务于三農、中小企业及小微企业。公司于2014年香港上市，股票代码6866。

行业与业务概述
公司业务集中在浙江省湖州市，专注于绿色小额贷款，借助湖州的绿色金融改革试验区优势，提供环保和可持续发展领域的贷款服务。贷款以短期为主，客户分散，大部分为保证贷款。

财务表现（未经审计）

• 资产与负债：截至2025年6月30日，总资产20.2亿元，贷款总额25.7亿元，资产负债率降至20.1%，较上年下降4个百分点。
• 盈利情况：上半年净利息收入7,381万元，较上年下降16.7%；净利润3,352万元，同比下降41.4%；每股收益0.03元，同比下降44.0%。
• 风险管理：贷款组合逾期率3.8%，拨备覆盖率191%，资产质量基本稳定。

战略与展望
公司抓住绿色金融政策机遇，与德国复兴银行等机构合作，推动绿色贷款项目，助力湖州绿色金融创新示范区建设。未来计划扩大绿色信贷范围，提升在绿色金融市场的份额。

风险与挑战
公司面临贷款利率下行、资本效率提升压力，同时需管理好与控股股东及其他关联方的交易风险。

管理层声明
管理层已签署报告，无重大违规事项，表明公司符合上市规则要求。

Summary of Decora Tech Capital Co., Ltd.'s 2025 Mid-Year Report

1. Company Overview
   Established in 2011 focuses on green small loans since 2020 as Huzhou's first dedicated green finance institution. Hong Kong listed in 2014 with stock code 6866.

2. Market Position and Growth
   Ranked largest licensed small loan provider in Zhejiang by registered capital (1.18 billion RMB). Seizing national eco-reform initiatives to expand green finance presence.

3. Financial Performance (Unaudited)

• Loan interest rate decreased from 7.6% to 6.8%, pressuring net interest margins
• Revenue declined 16.7%, net profit dropped 41.4% to 33.5 million RMB
• Assets-to-debt ratio improved to 20.1% through tighter financial controls

4. Strategic Management & Outlook
   Partnering with international institutions for sustainable finance solutions, expanding into retail and e-commerce platforms. Positioned to leverage eco-township development policies for increased market share.

5. Business Risks
   Elevated risks associated with affiliated transactions and potential strain on financial leverage at 2.18x loan-to-equity ratio. Government support mitigates some compliance concerns.

--- Key Findings Derived from Comprehensive Analytical Processing