５１信用卡：2019年中期報告.pdf

1、151信用卡有限公司 中期報告 2019Contents目錄 Management Discussion and Analysis管理層討論及分析2Report on Review of Interim Financial Information中期財務資料的審閱報告21Condensed Consolidated Interim Statement of Comprehensive Income簡明綜合中期全面收益表23Condensed Consolidated Interim Statement of Financial Position簡明綜合中期財務狀況表25Condensed Co

2、nsolidated Interim Statement of Changes in Equity/(Deficit)簡明綜合中期權益（虧絀）變動表27Condensed Consolidated Interim Statement of Cash Flows簡明綜合中期現金流量表29Notes to the Condensed Consolidated Interim Financial Information簡明綜合中期財務資料附註31Other Information其他資料57251 CREDIT CARD INC.2019 Interim ReportManagement Discu

3、ssion and Analysis管理層討論及分析 業務回顧51信用卡有限公司（51信用卡 或 本公司）及其附屬公司（統稱 本集團 或 我們）基於廣泛使用的信用卡管理平台51信用卡管家應用（51信用卡管家應用）建立起全面的生態系統。2019年上半年以來，我們的業務規模及用戶基礎繼續保持穩定的增長。51信用卡管家應用註冊用戶數由截至2018年6月30日止的約68.9百萬名增長21.0%至截至2019年6月30日止的約83.4百萬名，而我們累計管理的信用卡數量亦由截至2018年6月30日止的約118.6百萬張增長16.9%至截至2019年6月30日止的約138.7百萬張。中華人民共和國（中國）居

4、民總體消費水平一直保持穩步增長，具有更加超前消費觀念的年輕一代日益成為消費群體的主流。近年來，移動支付的普及也使信用卡使用更方便、使用場景更豐富。因此，中國的信用卡行業在近十年獲得快速發展，信用卡持有量不斷增加。BUSINESS REVIEW51 Credit Card Inc.(“51 Credit Card”or the“Company”)together with its subsidiaries(collectively,the“Group”,“we”,“our”or“us”)have created a comprehensive ecosystem built upon a wid

5、ely-used credit card management platform,51 Credit Card Manager App(“51 Credit Card Manager App”).During the first half of 2019,we continued to maintain a steady growth in business scale and user base.The number of registered users of 51 Credit Card Manager App grew 21.0%to approximately 83.4 millio

6、n as of 30 June 2019 from approximately 68.9 million as of 30 June 2018,and the number of credit cards we have managed cumulatively also grew 16.9%to approximately 138.7 million as of 30 June 2019 from approximately 118.6 million as of 30 June 2018.As of 30 June 2019As of 30 June 2018 Period on peri