Commitment to Financial Inclusion

Universal Medical is committed to creating innovative, high-quality, and efficient financial service models. We have formulated inclusive finance policies and made public commitments. Based on market research and customer feedback, we innovate and expand the types and scope of financial services provided to vulnerable groups. Moreover, we establish specialized complaint channels tailored to the needs and preferences of our target groups and flexibly adjust our service delivery methods. For instance, in dealing with supply chain finance for small and medium-sized enterprises and inclusive finance leasing services, we adopt electronic seals for contract signing to improve the efficiency of review processes.

The Group provides non-financial support to underserved groups, such as offering free training on financial literacy and health management, organizing community health lectures and free medical services, and hosting vocational skills improvement workshops, to enhance their sustainable development capabilities and quality of life. The Group has established effective procedures to prevent target customers from incurring excessive debt risks due to accessing financial services, ensuring the sustainability and stability of its operations.

Additionally, we have implemented a customer-friendly complaint and feedback mechanism for inclusive finance clients, promptly addressing and resolving client issues. Through employee training, we prevent aggressive sales tactics, misleading marketing, and disrespectful behavior toward clients, thereby safeguarding client rights and maintaining corporate reputation. We also actively collaborate with industry organizations and external partners to expand the coverage of inclusive finance services and enhance service quality and efficiency.

-Expand Inclusive Financial Services

The Group provides financial literacy training and high-quality healthcare services to the target groups of inclusive finance, aiming to broadly promote financial well-being and inclusivity. To sustainably develop inclusive finance business, we maintain close ties with external partners, jointly exploring new opportunities for market expansion and product innovation.

-Strengthen Inclusive Finance Supervision

The Strategy and ESG Committee, established by Universal Medical as a dedicated committee responsible for matters related to sustainable development, oversees the formulation and implementation of policies and procedures related to inclusive finance.

-Conduct Inclusive Finance Training

The Group regularly hosts financial and industrial seminars to enhance employees' professional competence and service capabilities in the medical service and manufacturing industries, ensuring that we provide high-quality inclusive financial services to small and micro-enterprises/institutions with respect and professionalism.

Inclusive Finance Products and Services

The Group actively provides financial leasing services to target customers such as small, medium, and micro-medical institutions, as well as small and medium-sized enterprises, aiming to meet their financing needs. In 2024, Universal Medical signed 10 inclusive finance leasing contracts, with an aggregate contract value exceeding RMB 27 million, and engaged with more than 50 inclusive finance customers over the year.

1.Poor/Low-Income Groups:

The Group provides financial leasing services for equipment to Shangqiu Maternal and Child Health Hospital, improving medical conditions for women and children;

2.Rural/Remote Area Groups:

We offer financial leasing services to Yinan Funong Photovoltaic Power Generation Co., Ltd. (poverty alleviation photovoltaic project) in Linyi, Shandong Province, supporting their efforts;

3.Groups with Health Conditions or Disabilities:

The Group provides financial leasing services for equipment to Wulian County Rehabilitation Hospital, specifically to county-level rehabilitation hospitals, improving medical conditions for those with health conditions or disabilities;

By offering flexible and diverse financial leasing solutions, we assist these small, medium, and micro-clients in obtaining liquidity support, alleviating financial pressure, and promoting the healthy development of both enterprises and individuals.