China Financial Services Holdings Limited Announces Discloseable Transaction: Provision of Financial Assistance

Key Highlights

• Loan Agreement Signed: On 24 July 2026, Shenzhen Credit Gain Finance Company Limited (“SZCG”), a wholly-owned subsidiary of China Financial Services Holdings Limited (“the Company”), entered into a loan agreement with Customer GH (Mr. Yu Yujia), granting a secured loan of RMB8,900,000 for a six-month term at an interest rate of 12% per annum.
• Collateral and Security: The loan is secured by a first legal charge over a prime residential property in Futian District, Shenzhen, independently valued at approximately RMB10,670,000 as of 15 July 2026.
• Credit Assessment: The Company’s assessment considered the high-value, prime location of the collateral, the Borrower’s strong net worth, and the short-term nature of the loan, concluding that the risks are manageable.
• Funding: The loan will be financed using the Group’s general working capital.
• Borrower Profile: Customer GH is a PRC individual engaged in the engineering industry, newly introduced to the Group with no prior relationship. The borrower is deemed an Independent Third Party.
• Listing Rules Implications: The transaction’s size triggers disclosure requirements under Chapter 14 of the Listing Rules. The relevant percentage ratios exceed 5% but are below 25%, making this a discloseable transaction.
• Commercial Rationale: The transaction is in the ordinary and usual course of the Group’s business, with terms negotiated on an arm’s length basis and considered fair and reasonable by the Directors, expecting stable interest income.

Details for Shareholders

• Potential Price Sensitivity: This is a significant transaction given the size of the loan and its impact on the Group’s asset base and revenue stream. The use of prime Shenzhen property as collateral reduces credit risk and enhances confidence in the recoverability of the loan.
• Revenue Impact: With a 12% annual interest rate, the loan could generate substantial interest income over six months, contributing positively to the Company’s earnings.
• Risk Factors: Despite the strong collateral, shareholders should be aware of the credit risks inherent in lending to a new customer, especially as the borrower is a PRC individual previously unknown to the Group.
• Strategic Implication: The transaction demonstrates the Group’s ongoing expansion and active participation in the PRC financial services market, showing its ability to secure quality lending opportunities and manage associated risks.
• Regulatory Compliance: Full compliance with Hong Kong Stock Exchange Listing Rules provides additional transparency and governance, which may be viewed positively by investors.

Summary of Loan Terms

Board Statement

The Directors believe the loan agreement was entered into on normal commercial terms, is fair and reasonable, and is in the interests of the Company and its shareholders as a whole. The transaction is expected to provide stable cash flow and revenue from interest income while being adequately secured.

Directors as of Announcement Date

• Executive Director: Mr. Zhang Min (Chief Executive Officer)
• Non-executive Director: Dr. Cheung Chai Hong (Chairman)
• Independent Non-executive Directors: Mr. Chan Chun Keung, Mr. Cheung Pak To, Mr. Lee Ka Wai, Mr. Zhang Kun

Conclusion

This transaction, while routine in nature for the Group, is significant due to its size and the quality of its collateral. It strengthens the Group’s revenue base and demonstrates prudent risk management. Investors should monitor the performance of this loan and its impact on the Company’s upcoming financial results.

Disclaimer

This article is for informational purposes only and does not constitute investment advice. Investors are advised to conduct their own research or consult a professional advisor before making investment decisions. The Company and the author do not accept liability for any losses arising from reliance on the information provided herein.

中國金融服務控股有限公司公佈須披露交易：提供財務資助

重點摘要

• 貸款協議簽署： 於2026年7月24日，深圳市領達小額貸款有限公司（SZCG，為公司全資附屬公司）與借款人GH（余宇佳先生）簽訂貸款協議，提供本金人民幣8,900,000元，為期六個月，年利率12%的一筆抵押貸款。
• 抵押與保障： 貸款由位於深圳福田區的優質住宅物業作為首順位法律抵押，該物業經獨立估值於2026年7月15日市值約為人民幣10,670,000元。
• 信貸評估： 公司考慮到抵押品的高價值及優越地段、借款人雄厚的資產淨值及貸款的短期性質，認為相關風險可控。
• 資金來源： 本貸款將以集團的一般營運資金提供。
• 借款人資料： GH為中國工程行業個人，首次與集團交易，屬獨立第三方。
• 上市規則披露： 該交易金額觸發《上市規則》第14章披露規定，有關百分比比率超過5%但少於25%，屬須披露交易。
• 商業理由： 該貸款屬集團日常及一般業務，條款經公平磋商，董事認為合理，有望帶來穩定利息收入。

股東需留意事項

• 潛在股價敏感信息： 該筆貸款規模對集團資產及收入貢獻具實質影響；以深圳優質物業作抵押，有助降低信貸風險，增強資金安全性。
• 收益影響： 12%年利率為六個月期貸款帶來可觀利息收入，將利好集團財務表現。
• 風險因素： 雖然抵押品充足，但借款人為新客戶，屬首次交易，股東仍需注意相關信貸風險。
• 戰略意義： 交易反映集團積極拓展中國金融服務市場，善於把握優質放貸機會及妥善管理風險。
• 規管合規： 全面依循香港上市規則披露，提升透明度及公司管治，對投資者屬正面訊號。

貸款條款摘要

董事會聲明

董事認為貸款協議屬正常商業條款，公平合理，符合公司及全體股東整體利益。預期將帶來穩定現金流及利息收入，並有充足抵押保障。

董事名單（公告日）

• 執行董事：張敏（行政總裁）
• 非執行董事：張齊康博士（主席）
• 獨立非執行董事：陳振強、張百滔、李家偉、張琨

總結

雖屬集團日常業務，但該筆貸款金額及質素俱佳的抵押品，對集團收入與風險管控有正面影響。投資者應關注該貸款表現及其對公司未來業績的貢獻。

免責聲明

本文僅供參考，並不構成任何投資建議。投資者請自行研究或諮詢專業顧問後再作出投資決定。本公司及作者對任何依據本文內容作出之投資行為所造成之損失不承擔任何責任。

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