承信科技，递交招股书，拟美国纳斯达克 IPO上市

Original Ryanben Capital 瑞恩资本RyanbenCapital 2024-02-17

2023年3月30日，来自江苏苏州的苏州承信信息科技有限公司的控股公司GoodFaith Technology Inc.(以下简称：承信科技)在美国证监会(SEC)公开披露招股书，拟在美国纳斯达克上市，其股票代码为“GFCX”。其于2022年7月13日在SEC秘密递交招股书。

承信科技，拟以每股4至6美元发行300万股普通股，募资或达1800万美元。

承信科技招股书链接：

https://www.sec.gov/Archives/edgar/data/1937692/000192998023000027/goodfaith_f1.htm

主要业务

承信科技，主要为商业银行和非银行金融机构提供与信用贷款相关的定制化前置风险管理和贷后拖欠催收产品和服务。

承信科技在中国逾11个城市拥有16个运营中心和3个行政办事处的全国网络，在逾75家商业银行和非银行金融机构中建立了广泛的客户群。

承信科技的业务由两个部分组成：(i)信用贷款前置审批阶段，提供风险评估和偿付能力评估服务；(ii)信用贷款贷后阶段，提供拖欠债务催收服务。目前，公司专注于向中国的商业银行、电子商务平台附属财务公司、持牌消费金融公司和其他从事消费信贷业务的金融机构提供服务。

股东架构

招股书显示，承信科技在上市前的股东架构中，

Qearl’s Holdings Limited，持有946万股、持股占比47.3%；

(Qearl’s Holdings Limited，分别由费小凤 Xiaofeng Fei的Wonder Phoenix Holdings Limite持有10%、由周凯 Kai Zhou控制的Wonder Phoenix Family Limited持有90%）

戴旭 Xu Dai，通过Cloud Light Holdings Limited持股6.0%；

王晓伟 Xiaowei Wang，通过Gread Cause Holdings Limited持股29.2%。

公司架构

招股书显示，承信科技的公司架构如下：

管理层

招股书显示，承信科技的管理层如下：

Mr. Xu Dai is our Chairman of the board of directors and director. Mr. Dai has extensive experience in the financial industry and has served in a variety of financial intuitions, including multiple state-owned banks and joint-stock banks in China. Mr. Dai has served as the chief executive officer at Shanghai Zhongchuang Asset Management Co., Ltd. since April 2018, where he is responsible for the management of day-to-day operations and high-level strategy making and business planning. He is also a core member of the IC Card Engineering Project (Hainan) Research and Development Team of the Modern Payment System of the People’s Bank of China. Mr. Dai also served as a branch director at the Shanghai branch of China Everbright Bank from May 2014 to April 2018. He received his bachelor’s degree in Economic Law from Hainan University in 2001. Mr. Dai has been chosen as our Chairman because of his knowledge and extensive experience in the financial industry and our business.

Mr. Xiaowei Wang has been our Chief Executive Officer since May 2021. He has 13 years of experience in the post-loan management industry. Mr. Wang has served as a general manager at Shenzhen Xindesheng since October 2018, where he plays a leading role in planning and implementing operation and sale strategies. Prior to joining Shenzhen Xindesheng, Mr. Wang served as a general manager in charge of the credit card collection business at the Shenzhen branch of Ping An Bank from May 2011 to October 2018. From May 2008 to May 2011, Mr. Wang also served as a manager of the credit card debt collection department at Shenzhen Development Bank, where he was responsible for tasks including strategy formulation, personnel management, and performance assessment. Mr. Wang received his bachelor’s degree in Business Management from Jiangxi Vocational College of Finance and Economics in 2007. Mr. Wang’s extensive experience in post-loan management and proven track record in business management make him a valuable asset to our Company.

Mr. Yulin Dong has been our Chief Financial Officer since September 2021, and he oversees the Company's tax compliance, accounting, and financial management. He is a seasoned accountant with years of experience working for multiple domestic listed companies. From August 2020 to August 2021, Mr. Dong served as a director secretary at Shanghai Zhongchuang Asset Management Co., Ltd., where he assisted the chairman of the board of directors with the daily operations and management of the company. Mr. Dong is well versed in corporate financing and has extensive experience in mergers and acquisitions. He also served as a financial director at Shanghai Luca Trail Education Technology Co., Ltd. from May 2019 to July 2020, and as a deputy director of the investment M&A department at Shanghai Jiafu Asset Management Co., Ltd. from July 2016 to April 2019. Mr. Dong was a senior accountant at Ernst & Young from August 2013 to June 2016. He obtained his bachelor’s degree in Accounting from Jiangxi University of Finance and Economics in 2011, and his master’s degree in Accounting & Finance from the University of Exeter, England in 2013. Mr. Dong is a member of the Association of Chartered Certified Accountants. Mr. Dong is well qualified to serve as our Chief Financial Officer due to his expertise in accounting, corporate financing, and mergers and acquisitions.

Ms. Ting Kong has been our director since May 2021, and she has extensive knowledge and experience in the financial industry and our business. Ms. Kong has served as a general manager at Beiming Technology since May 2018, where she is responsible for implementing business plans, optimizing resource allocations, and providing guidance to the company’s daily operations. From May 2013 to May 2018, she served as a director of the marketing department at Shanghai Longtuan Information Technology Co., Ltd. Ms. Kong received her bachelor’s degree in Accounting from Hebei University of Technology in China in 2009. Ms. Kong’s experience in the financial industry and knowledge of our business made her a valuable addition to our board of directors.

公司业绩

招股书显示，在过去的2020年、2021年和2022年前六个月，承信科技的收入分别为1,599.79万、2,065.32万和2,456.05万美元，相应的净利润分别为127.41万、40.31万和316.58万美元。

中介机构

承信科技是次IPO的的中介团队主要有：AGP 为其承销商；UHY LLP 为其审计师；锦天城、Hunter Taubman Fischer & Li LLC分别为其公司中国律师、公司美国律师；Loeb & Loeb LLP 为其承销商美国律师。

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