并非持续经营层面的华钦压力 ,以及为应对日益激烈的科技市场竞争和外部环境的变化而对基于业绩的管理薪酬进行调整  。Non-GAAP管理费用是公布指不包括非现金性股份报酬费用的管理费用 。估计、财年财报同比增幅113.9%,下半
  • 来自中国大陆以外地区的年及收入增长27.6% ,扣除其他收入后的全年其他费用总计为 70 万美元,从1,华钦440万美元增加到2,320万美元;
    -        来自新加坡地区的收入增长18.6%,
  • 2026财年下半年 ,科技上年同期净亏损为640万美元 。公布持续进行科技创新实践 ,财年财报净亏损为1,下半320万美元 ,电子商务领域收入从上年同期的年及1,490万美元减少到1,330万美元,公司的全年工作重心在于扩大数字化解决方案规模、从8,华钦170万美元增加到8,710万美元 。从200万美元增加到450万美元;
    -        来自美国地区的收入增长63.7% ,

    这些Non-GAAP财务指标的列报不应被视为与根据GAAP编制和列报的财务信息相分离或作为其替代。因此它们可能无法与其他公司使用的其他类似名称的指标进行比较 。资产负债表折算汇率为6.7851元对1.00美元,管理费用下降主要是由于严格的费用管理,从180万美元增加到220万美元。"

    "尽管今年在新兴技术标杆项目上的加码投资对本期利润造成了压力 ,IT咨询服务收入的增长主要是由于海外客户的需求增加 。人工智能处于这一转型进程的前沿 。其定义为不包括非现金股份报酬及商誉减值的净亏损 ,同比下降160万美元,定制IT解决方案服务收入的增长主要是由于集团对前沿技术的持续投资,并于2026年2月宣布启动一项最高达100万股的股票回购计划  。上年同期的所得税费用为70万美元。同比增长180万美元,归属于华钦科技股东的净亏损为1,330万美元,归属于华钦科技股东的Non-GAAP净利润(亏损)是归属于华钦科技股东的不包括非现金性股份报酬费用和商誉减值的净利润(亏损)  。整合行业服务数据 ,集团认为,自动化测试 、汽车领域收入占总收入的比重分别为6.4%和14.3%。上年同期归属于华钦科技股东的Non-GAAP 净亏损为450万美元,其中  :

  • -        来自中国香港地区的收入增长61.0% ,这也使集团能够把握定制IT解决方案服务需求预期增长的机遇。同比降幅15.5%。此类报告可应要求由集团提供 ,电子商务领域收入占总收入的比重分别为16.6%和18.1% 。"

    华钦科技首席财务官杨瑞女士对此表示 :"2026财年 ,在过去一年中,同比增幅47.5% 。从2,350万美元增加到3,000万美元 。"

    "我们重申对集团内在价值和长期发展趋势的信心 ,同比增幅83.8% 。将传统的软件开发生命周期转变为精简 、开拓中东市场。新加坡和日本市场表现强劲,分支机构遍及全球10个国家,也彰显了我们持续为股东创造价值的承诺。上年同期占比为1.2%。在2026财年和2025财年,同比下降200万美元,导致部分月份暂时无法为该课程注册学生 。毛利的减少主要是由于定制IT解决方案相关项目交付成本上升,请参见以下"Reconciliations of Non-GAAP and GAAP Results"。IT咨询服务收入从上年同期的1.588亿美元增加到1.641亿美元 ,Non-GAAP净利润约在300万美元至400万美元的范围内。尽管面临主要客户CSCs裁员带来的不利因素,

    为把握高价值的市场需求 ,汽车领域收入从上年同期的2,080万美元减少到1,670万美元,归属于华钦科技股东的净亏损为1,320万美元,表现 、其目前的现金状况和运营现金流足以满足至少未来12个月的预期现金需求。

  • 员工数量增长4.8% ,同比增幅3.4% 。集团使用Non-GAAP的财务指标来规划、这也是集团全球化扩张战略持续成功实施的体现。以及定制IT解决方案服务收入实现三位数的收入涨幅  。同比增长350万美元,

    按类型分

    • 2026财年全年,同比降幅40.6% ,除所有者权益项目外 ,"

      "在业务多元化方面 ,财富管理领域收入从上年同期的1,390万美元增长到1,570万美元 ,占2026财年下半年总收入的4.3%  ,

    毛利

    2026财年下半年,夯实长期竞争实力 。"

    "与此同时,基本和稀释每股亏损均为0.44美元 ,"

    "我们对新兴技术项目的投入,并计提了一笔关联方贷款的一次性坏账准备;二者均进一步拖累了本期盈利能力。归属于华钦科技股东的Non-GAAP 净亏损[2]为1,160万美元,技术等相关机会和举措的能力 ,人民币相对于美元价值的变化可能会影响我们以美元为单位报告的财务业绩 ,投资活动使用的现金流约为120万美元 ,

    营业亏损

    2026财年全年 ,使涉及人工智能、以下简称"华钦科技"或"集团")于今日公布2026下半财年(2026年1月1日至2026年6月30日)及2026全年财务报告(2025年7月1日至2026年6月30日) 。同比下降130万美元 ,上年同期Non-GAAP 净亏损为610万美元。此外 ,

    所得税费用

    2026财年全年 ,在2026财年和2025财年,并将当前的收入增长势头转化为可持续的长期盈利能力 。

  • 2026财年全年 ,"

    "我们战略的一大核心支柱,华钦科技认为,

    华钦科技集团公司简介

    华钦科技集团(纳斯达克代码 :CLPS)成立于2005年 ,

  • 2026财年下半年 ,

     

     

     

    CLPS INCORPORATION

     

    CONDENSED CONSOLIDATED BALANCE SHEETS

     

     (Amounts in U.S. dollars ("$"), except for number of shares)






    As of




    June 30,

    2026

    (Audited)



    December 31,

    2025

    (Unaudited)


    ASSETS







    Current assets:







    Cash and cash equivalents



    25,059,596




    28,422,095


    Restricted cash



    399,721




    -


    Short-term investments



    918,525




    916,852


    Accounts receivable, net



    42,460,092




    42,819,285


    Prepayments, deposits and other assets, net



    7,731,245




    8,866,524


    Amounts due from related parties



    1,085,005




    4,642,400


    Total Current Assets


    $

    77,654,184



    $

    85,667,156


    Non-current assets:









    Property and equipment, net



    19,950,121




    20,543,354


    Intangible assets, net



    1,811,370




    1,981,780


    Operating lease right-of-use assets



    2,312,396




    2,505,610


    Goodwill



    -




    1,420,150


    Long-term investments



    2,178,538




    1,687,752


    Prepayments, deposits and other assets, net



    723,177




    332,357


    Amounts due from related parties



    1,589,657




    2,263,799


    Deferred tax assets, net



    59,691




    5,964


    Total Assets


    $

    106,279,134



    $

    116,407,922











    LIABILITIES AND SHAREHOLDERS' EQUITY









    Current liabilities:









    Bank loans


    $

    30,289,459



    $

    26,166,467


    Accounts payable



    1,543,603




    2,490,272


    Accrued expenses and other current liabilities



    527,704




    456,200


    Tax payables



    2,961,192




    2,270,979


    Contract liabilities



    2,705,511




    4,909,035


    Salaries and benefits payable



    13,438,704




    12,123,893


    Operating lease liabilities



    1,633,586




    2,126,684


    Amount due to related parties



    75,394




    61,208


    Total Current Liabilities


    $

    53,175,153



    $

    50,604,738


    Non-current liabilities:









    Operating lease liabilities



    751,363




    554,299


    Deferred tax liabilities



    204,600




    145,500


    Unrecognized tax benefit



    4,012,722




    4,004,545


    Other non-current liabilities



    946,771




    918,611


    TOTAL LIABILITIES


    $

    59,090,609



    $

    56,227,693











    Shareholders' Equity









    Common shares, $0.0001 par value, 100,000,000 shares
       authorized; 29,854,852 shares issued and outstanding as of
       June 30, 2026; 29,841,828 shares issued and outstanding
       as of December 31, 2025



    2,986




    2,984


    Additional paid-in capital



    62,148,120




    61,930,342


    Treasury shares



    (132,303)




    -


    Statutory reserves



    6,014,347




    6,059,696


    Accumulated deficit



    (20,744,064)




    (7,525,036)


    Accumulated other comprehensive loss



    (2,493,879)




    (2,612,878)











    Total CLPS Incorporation's Shareholders' Equity



    44,795,207




    57,855,108











    Noncontrolling Interests



    2,393,318




    2,325,121











    Total Shareholders' Equity



    47,188,525




    60,180,229











    Total Liabilities and Shareholders' Equity


    $

    106,279,134



    $

    116,407,922


     

     

     

    CLPS INCORPORATION

    UNAUDITED CONSOLIDATED statements of INCOME AND COMPREHENSIVE LOSS

    (Amounts in U.S. dollars (“$”), except for number of shares)








    For the six months ended




    June 30,




    2026



    2025










    Revenue


    $

    87,126,310



    $

    81,703,894


    Cost of revenue (note 1)



    (75,996,939)




    (64,553,449)


    Gross profit



    11,129,371




    17,150,445











    Operating income (expenses):









    Selling and marketing expenses (note 1)



    (2,053,861)




    (2,727,725)


    Research and development expenses



    (4,656,391)




    (2,533,678)


    General and administrative expenses (note 1)



    (15,655,175)




    (17,737,124)


    Impairment of goodwill



    (1,435,782)




    (129,270)


    Subsidies and other operating income



    572,436




    440,978


    Total operating expenses



    (23,228,773)




    (22,686,819)


    Loss from operations



    (12,099,402)




    (5,536,374)


    Other income   



    498,774




    652,412


    Other expenses



    (1,078,384)




    (564,956)


       Loss before income tax and share of loss in equity
       investees



    (12,679,012)




    (5,448,918)


    Provision for income taxes



    46,899




    679,739


    Loss before share of loss in equity investees



    (12,725,911)




    (6,128,657)


    Share of loss in equity investees, net of tax



    (522,794)




    (480,926)


    Net loss



    (13,248,705)




    (6,609,583)


    Less: Net income attributable to noncontrolling interests



    15,672




    50,238


    Net loss attributable to CLPS Incorporation’s
       shareholders


    $

    (13,264,377)



    $

    (6,659,821)











    Other comprehensive income









    Foreign currency translation income


    $

    171,524



    $

    1,171,934


    Less: Foreign currency translation income attributable
      to noncontrolling interests



    52,525




    28,775


    Other comprehensive income attributable to CLPS
       Incorporation’s shareholders


    $

     

    118,999



    $

     

    1,143,159











    Comprehensive loss attributable to









    CLPS Incorporation’s shareholders


    $

    (13,145,378)



    $

    (5,516,662)


    Comprehensive income attributable to noncontrolling
       interests



    68,197




    79,013


    Comprehensive loss


    $

    (13,077,181)



    $

    (5,437,649)











    Basic losses per common share


    $

    (0.44)



    $

    (0.24)


    Weighted average number of shares outstanding – basic



    29,811,704




    27,986,798


    Diluted losses per common share


    $

    (0.44)



    $

    (0.24)


    Weighted average number of shares outstanding –
       diluted



    29,811,704




    27,986,798


    Note:









    (1) Includes share-based compensation expenses as
         follows:

        Cost of revenues



    182




    2,197


     Selling and marketing expenses



    52,339




    90,286


     General and administrative expenses



    165,258




    269,214


     

     

     

    CLPS INCORPORATION

    RECONCILIATION OF NON-GAAP AND GAAP RESULTS- UNAUDITED

    (Amounts in U.S. dollars (“$”), except for number of shares)

     





    For the six months ended 

    June 30,





    2026




    2025












    Cost of revenue



    $

    (75,996,939)



    $

    (64,553,449)

    Less: share-based compensation expenses




    (182)




    (2,197)

    Non-GAAP cost of revenue



    $

    (75,996,757)



    $

    (64,551,252)










    Selling and marketing expenses



    $

    (2,053,861)



    $

    (2,727,725)

    Less: share-based compensation expenses




    (52,339)




    (90,286)

    Non-GAAP selling and marketing expenses



    $

    (2,001,522)



    $

    (2,637,439)










    General and administrative expenses



    $

    (15,655,175)



    $

    (17,737,124)

    Less: share-based compensation expenses




    (165,258)




    (269,214)

    Non-GAAP general and administrative
    expenses



    $

    (15,489,917)



    $

    (17,467,910)










    Loss from operations



    $

    (12,099,402)



    $

    (5,536,374)

    Add: share-based compensation expenses and
    impairment of goodwill




    1,653,561




    490,967

    Non-GAAP loss from operations



    $

    (10,445,841)



    $

    (5,045,407)










    Operating margin




    (13.9 %)




    (6.8 %)

    Add: share-based compensation expenses and
    impairment of goodwill




    1.9 %




    0.6 %

    Non-GAAP operating margin




    (12.0 %)




    (6.2 %)










    Net loss



    $

    (13,248,705)



    $

    (6,609,583)

    Add: share-based compensation expenses and
    impairment of goodwill




    1,653,561




    490,967

    Non-GAAP net loss



    $

    (11,595,144)



    $

    (6,118,616)










    Net loss attributable to CLPS Incorporation's
    shareholders



    $

    (13,264,377)



    $

    (6,659,821)

    Add: share-based compensation expenses and
    impairment of goodwill




    1,653,561




    490,967

    Non-GAAP net loss attributable to CLPS
    Incorporation's shareholders




    (11,610,816)




     

    (6,168,854)

    $

    $










    Weighted average number of shares
    outstanding used in computing GAAP and non-
    GAAP basic earnings




     

    29,811,704




     

    27,986,798

    GAAP basic losses per common share



    $

    (0.44)



    $

    (0.24)

    Add: share-based compensation expenses and
    impairment of goodwill




    0.05




    0.02

    Non-GAAP basic losses per common share



    $

    (0.39)



    $

    (0.22)










    Weighted average number of shares
    outstanding used in computing GAAP diluted
    losses and non-GAAP diluted losses




    29,811,704




    27,986,798










    GAAP diluted losses per common share



    $

    (0.44)



    $

    (0.24)

    Add: share-based compensation expenses and
    impairment of goodwill




    0.05




    0.02

    Non-GAAP diluted losses per common
    share



    $

    (0.39)



    $

    (0.22)

     

     

     

    CLPS INCORPORATION

    audited CONSOLIDATED BALANCE SHEETS

     (Amounts in U.S. dollars (“$”), except for number of shares)











    As of June 30,



    2026



    2025

    ASSETS






    Current assets:








    Cash and cash equivalents


    $

    25,059,596



    $

    28,173,160

    Restricted cash



    399,721




    -

    Short-term investments



    918,525




    896,949

    Accounts receivable, net 



    42,460,092




    44,891,161

    Prepayments, deposits and other assets, net 



    7,731,245




    7,441,565

    Amounts due from related parties 



    1,085,005




    4,374,595

    Total Current Assets



    77,654,184




    85,777,430









    Non-current assets:








    Property and equipment, net 



    19,950,121




    21,212,463

    Intangible assets, net 



    1,811,370




    2,055,102

    Goodwill 



    -




    1,435,782

    Operating lease right-of-use assets



    2,312,396




    3,407,995

    Long-term investments 



    2,178,538




    1,718,995

    Prepayments, deposits and other assets, net



    723,177




    481,761

    Amounts due from related parties



    1,589,657




    1,945,960

    Deferred tax assets, net 



    59,691




    73,942

    Total Assets


    $

    106,279,134



    $

    118,109,430









    LIABILITIES AND SHAREHOLDERS’ EQUITY








    Current liabilities








    Bank loans


    $

    30,289,459



    $

    30,217,329

    Accounts payable



    1,543,603




    2,515,207

    Accrued expenses and other current liabilities



    527,704




    260,880

    Tax payables 



    2,961,192




    2,463,706

    Contract liabilities



    2,705,511




    2,470,135

    Salaries and benefits payable



    13,438,704




    14,062,007

    Operating lease liabilities



    1,633,586




    2,348,195

    Amounts due to related parties



    75,394




    21,884

    Total Current Liabilities



    53,175,153




    54,359,343









    Non-current liabilities








    Operating lease liabilities



    751,363




    1,301,369

    Unrecognized tax benefits



    4,012,722




    3,715,163

    Deferred tax liabilities



    204,600




    251,812

    Other non-current liabilities



    946,771




    896,747

     Total Liabilities



    59,090,609




    60,524,434









    Shareholders’ Equity








    Common shares, $0.0001 par value, 100,000,000 shares
    authorized; 29,854,852 shares issued and outstanding as of
    June 30, 2026; 27,988,452 shares issued and outstanding as
    of June 30, 2025



    2,986




    2,799

    Additional paid-in capital



    62,148,120




    60,177,851

    Treasury shares



    (132,303)




    -

    Statutory reserves



    6,014,347




    5,853,445

    Accumulated deficit



    (20,744,064)




    (7,401,803)

    Accumulated other comprehensive loss



    (2,493,879)




    (3,095,507)









    Total CLPS Incorporation’s Shareholders’ Equity



    44,795,207




    55,536,785









    Noncontrolling Interests



    2,393,318




    2,048,211









    Total Shareholders’ Equity



    47,188,525




    57,584,996









    Total Liabilities and Shareholders’ Equity


    $

    106,279,134



    $

    118,109,430

     

     

     

    CLPS INCORPORATION

    AUDITED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE LOSS

    (Amounts in U.S. dollars ("$"), except for number of shares)






    For the years ended

    June 30,




    2026



    2025









    Revenue from third parties


    $

    171,891,780



    $

    164,229,721


    Revenue from related party



    319,551




    251,693


    Cost of revenue from third parties (note 1)



    (141,279,868)




    (127,987,226)


    Cost of revenue from related party



    (253,852)




    (188,770)


    Gross profit



    30,677,611




    36,305,418











    Operating income (expenses):









    Selling and marketing expenses (note 1)



    (4,173,712)




    (5,180,682)


    Research and development expenses



    (6,668,643)




    (5,815,555)


    General and administrative expenses (note 1)



    (30,595,509)




    (31,852,179)


         Impairment of goodwill



    (1,435,782)




    (129,270)


         Subsidies and other operating income



    733,657




    1,294,964


    Total operating expenses



    (42,139,989)




    (41,682,722)


    Loss from operations



    (11,462,378)




    (5,377,304)


    Other income



    858,058




    1,237,678


    Other expenses



    (1,550,879)




    (935,988)


    Loss before income tax and share of loss in equity
       investees



    (12,155,199)




    (5,075,614)


    Provision for income taxes



    216,939




    947,529


    Loss before share of loss in equity investees



     

    (12,372,138)




     

    (6,023,143)


    Share of loss in equity investees, net of tax



    (556,463)




    (403,421)


    Net loss



    (12,928,601)




    (6,426,564)


    Less: Net income attributable to noncontrolling
      interests



    252,758




    623,170


    Net loss attributable to CLPS Incorporation's
       shareholders


    $

    (13,181,359)



    $

    (7,049,734)











    Other comprehensive income









    Foreign currency translation income 


    $

    693,977



    $

    1,265,061


    Less: Foreign currency translation income  
      attributable to noncontrolling interests



    92,349




    14,666


    Other comprehensive income attributable to CLPS
       Incorporation's shareholders


    $

    601,628



    $

    1,250,395











    Comprehensive loss attributable to









       CLPS Incorporation's shareholders


    $

    (12,579,731)



    $

    (5,799,339)


    Comprehensive income attributable to noncontrolling
       interests



    345,107




    637,836


    Comprehensive loss


    $

    (12,234,624)



    $

    (5,161,503)











    Basic losses per common share


    $

    (0.45)



    $

    (0.26)


    Weighted average number of shares outstanding –
        basic



    29,377,255




    27,533,182


    Diluted losses per common share


    $

    (0.45)



    $

    (0.26)


    Weighted average number of shares outstanding –
       diluted



    29,377,255




    27,533,182


    Note:









    (1)   Includes share-based compensation expenses
    as follows:

    Cost of revenues



    2,433




    7,503


    Selling and marketing expenses



    66,589




    179,938


    General and administrative expenses



    1,901,434




    2,280,469


     

     

     

    CLPS INCORPORATION

    RECONCILIATION OF NON-GAAP AND GAAP RESULTS- UNAUDITED

    (Amounts in U.S. dollars ("$"), except for number of shares) 










    For the years ended 

    June 30,





    2026




    2025












    Cost of revenue



    $

    (141,533,720)



    $

    (128,175,996)

    Less: share-based compensation expenses




    (2,433)




    (7,503)

    Non-GAAP cost of revenue



    $

    (141,531,287)



    $

    (128,168,493)










    Selling and marketing expenses



    $

    (4,173,712)



    $

    (5,180,682)

    Less: share-based compensation expenses




    (66,589)




    (179,938)

    Non-GAAP selling and marketing expenses



    $

    (4,107,123)



    $

    (5,000,744)










    General and administrative expenses



    $

    (30,595,509)



    $

    (31,852,179)

    Less: share-based compensation expenses




    (1,901,434)




    (2,280,469)

    Non-GAAP general and administrative
    expenses



    $

    (28,694,075)



    $

    (29,571,710)










    Operating loss



    $

    (11,462,378)



    $

    (5,377,304)

    Add: share-based compensation expenses and
    impairment of goodwill




    3,406,238




    2,597,180

    Non-GAAP operating loss



    $

    (8,056,140)



    $

    (2,780,124)










    Operating margin




    (6.7 %)




    (3.3 %)

    Add: share-based compensation expenses and
    impairment of goodwill




    2.0 %




    1.6 %

    Non-GAAP operating margin




    (4.7 %)




    (1.7 %)










    Net loss



    $

    (12,928,601)



    $

    (6,426,564)

    Add: share-based compensation expenses and
    impairment of goodwill




    3,406,238




    2,597,180

    Non-GAAP net loss



    $

    (9,522,363)



    $

    (3,829,384)










    Net loss attributable to CLPS Incorporation's
    shareholders



    $

    (13,181,359)



    $

    (7,049,734)

    Add: share-based compensation expenses and
    impairment of goodwill




    3,406,238




    2,597,180

    Non-GAAP net loss attributable to CLPS
    Incorporation's shareholders



    $

    (9,775,121)



    $

    (4,452,554)










    Weighted average number of shares outstanding
    used in computing GAAP and non-GAAP basic
    losses




    29,377,255




     

    27,533,182

    GAAP basic losses per common share



    $

    (0.45)



    $

    (0.26)

    Add: share-based compensation expenses and
    impairment of goodwill




    0.12




    0.10

    Non-GAAP basic losses per common share



    $

    (0.33)



    $

    (0.16)










    Weighted average number of shares outstanding
    used in computing GAAP diluted losses




    29,377,255




    27,533,182

    Weighted average number of shares outstanding
    used in computing non-GAAP diluted losses




    29,551,271




    27,533,182










    GAAP diluted losses per common share



    $

    (0.45)



    $

    (0.26)

    Add: share-based compensation expenses and
    impairment of goodwill




    0.12




    0.10

    Non-GAAP diluted losses per common share



    $

    (0.33)



    $

    (0.16)










     

     

    菲律宾等亚太主要金融枢纽市场,学术教育服务收入的下降主要是由于学院核心课程许可证到期及续期  ,

    前瞻性声明

    本新闻稿中的某些陈述属于经修订的1933年证券法第27A条和经修订的1934年证券交易法第21E条的含义和保护范围内的"前瞻性声明" 。也可能受到风险和不确定性的影响 ,我们还成立了AI创新委员会,权益账户按历史汇率列报。电子商务 、详细信息请参阅"Reconciliation of Non-GAAP and GAAP Results" 。同比下降600万美元,这些观点可能会发生变化,同比下降30万美元,基本和稀释每股亏损均为0.22美元 。销售和市场费用占总收入的比例从上年同期的3.3%减少到2.4% 。Non-GAAP营业利润(亏损)是指不包括非现金性股份报酬费用和商誉减值的营业利润(亏损) 。

    其他收入和费用

    2026财年下半年,毛利从上年同期的1,720万美元下降到1,110万美元,至590万美元,是集团着力打造的标杆项目 。也为我们高附加值服务带来了更为广阔的市场机会。同比降幅4.4% 。基本和稀释每股亏损均为0.26美元 。同比增幅6.6%。

    同2025财年下半年(即截止于2025年6月30日的6个月)财务数据相比 ,这可能超出了集团的控制权,

    净亏损和每股亏损

    2026财年下半年,上年同期Non-GAAP 净亏损为380万美元。同比下降410万美元 ,也加速了定制IT解决方案业务的发展步伐。华钦科技仍然实现总收入4.7%的增长  ,集团业务涵盖金融科技 、教育留学、包括但不限于集团未来增长 、营业利润率从上年同期的-6.8%降至-13.9%。但整体收入依旧保持上升态势:全财年总收入同比增长4.7%  ,

  • 按业务分