萬隆控股集團有限公司(原名:佳訊(控股)有限公司)是(shi)一家主要從事(shi)金融及采礦業務(wu)的香港投資控股公司。
業務涉(she)及商業領域、放債(zhai)分部(bu)、交(jiao)易(yi)板塊。
商(shang)業(ye)領域:集團的業(ye)務(wu)分(fen)(fen)為三個可識別業(ye)務(wu)分(fen)(fen)部(bu)(bu),即放(fang)債分(fen)(fen)部(bu)(bu)、貿(mao)(mao)(mao)易(yi)(yi)分(fen)(fen)部(bu)(bu)及(ji)(ji)采礦分(fen)(fen)部(bu)(bu)。放(fang)債分(fen)(fen)部(bu)(bu)指公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)全(quan)(quan)資(zi)(zi)附屬(shu)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)萬(wan)隆(long)財務(wu)有(you)限公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(「萬(wan)隆(long)財務(wu)」)在(zai)香(xiang)港從事的放(fang)債業(ye)務(wu),公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)為香(xiang)港持牌放(fang)債人。貿(mao)(mao)(mao)易(yi)(yi)分(fen)(fen)部(bu)(bu)是(shi)指 (i) 萬(wan)隆(long)興業(ye)商(shang)貿(mao)(mao)(mao)(深圳)有(you)限公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(“萬(wan)隆(long)興業(ye)”)在(zai)中國進行的貨(huo)物(wu)和商(shang)品貿(mao)(mao)(mao)易(yi)(yi),該公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)是(shi)一家全(quan)(quan)資(zi)(zi)企(qi)業(ye)——公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)的全(quan)(quan)資(zi)(zi)附屬(shu)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)及(ji)(ji) (ii) 萬(wan)隆(long)興業(ye)商(shang)業(ye)貿(mao)(mao)(mao)易(yi)(yi)(香(xiang)港)有(you)限公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(「萬(wan)隆(long)興業(ye)香(xiang)港」)在(zai)香(xiang)港的貨(huo)物(wu)及(ji)(ji)商(shang)品貿(mao)(mao)(mao)易(yi)(yi),公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)的全(quan)(quan)資(zi)(zi)附屬(shu)公(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)。
放債分部:萬(wan)隆(long)金融為(wei)獲(huo)準(zhun)在香港開(kai)展(zhan)放債業(ye)務(wu)的放債人。其業(ye)務(wu)主要(yao)集(ji)中在短期(qi)個人和公(gong)司貸款(kuan)(kuan)(kuan)領域。為(wei)保(bao)持信(xin)(xin)貸控制(zhi)效率,萬(wan)隆(long)金融目前并未在零售層(ceng)面開(kai)展(zhan)業(ye)務(wu)。從管理(li)和營銷團隊的社(she)交和商業(ye)網絡中尋找潛在借款(kuan)(kuan)(kuan)人。為(wei)保(bao)障集(ji)團的資產(chan),管理(li)及信(xin)(xin)貸控制(zhi)團隊將仔細審閱及評(ping)估每筆貸款(kuan)(kuan)(kuan)申請的信(xin)(xin)貸風險,以(yi)保(bao)障每筆貸款(kuan)(kuan)(kuan)的可(ke)收回性(xing)。管理(li)層(ceng)隨后將對借款(kuan)(kuan)(kuan)人進行背景調查,包括在需要(yao)時獲(huo)取獨立信(xin)(xin)用評(ping)級機構(gou)出具的信(xin)(xin)用報告(gao)以(yi)及檢(jian)查借款(kuan)(kuan)(kuan)人的資產(chan)支(zhi)持情況。根據成本(ben)和(he)收益分析的結果,萬隆金融可能(neng)會(hui)要求部分借(jie)款(kuan)(kuan)人提供擔(dan)保和(he)/或擔(dan)保以強化其貸款(kuan)(kuan)。一(yi)般而言,借(jie)款(kuan)(kuan)人會(hui)被要求按月支付利息,以方(fang)便管理(li)層(ceng)持續監察借(jie)款(kuan)(kuan)人的財務(wu)穩定(ding)性。
交易板塊:萬隆興業在中國開展商品貿易業務。萬隆興業香港在香港開展貨品貿易業務。截至(zhi) 2019 年(nian) 3 月 31 日止(zhi)年(nian)度,集(ji)團(tuan)(tuan)貿(mao)(mao)易(yi)分(fen)部成(cheng)功(gong)地將其貿(mao)(mao)易(yi)商品(pin)類別從精煉食用油和化妝(zhuang)品(pin)擴展到(dao)糖和個人護(hu)理產品(pin)。如公(gong)司日期(qi)為 2019 年(nian) 5 月 10 日的公(gong)告所披(pi)露,萬隆興(xing)業(ye)香港與云(yun)(yun)南(nan)白藥集(ji)團(tuan)(tuan)云(yun)(yun)峰進出口集(ji)團(tuan)(tuan)有限公(gong)司(云(yun)(yun)南(nan)白藥集(ji)團(tuan)(tuan)有限公(gong)司的間接全(quan)資附屬公(gong)司)訂立供應(ying)協(xie)議關(guan)于植物(wu)提(ti)取物(wu)的供應(ying)以及輔(fu)助(zhu)測試、物(wu)流、進出口及相關(guan)服務的提(ti)供,作(zuo)為集(ji)團(tuan)(tuan)日常業(ye)務的一部分(fen)。