【正文】 ....................................................................................20三、公司管理 .......................................................21（一）公司組織結(jié)構(gòu) ......................................................................................................21（二）公司治理結(jié)構(gòu)與管理運(yùn)作 ....................................................................................21（三）董事、監(jiān)事、高級(jí)管理人員、職能部門介紹 .......................................................22董事會(huì) ..................................................................................................................22監(jiān)事會(huì) ..................................................................................................................22公司董事、監(jiān)事、核心人員介紹 ...........................................................................22公司職能部門介紹 ................................................................................................29（四）公司團(tuán)隊(duì)建設(shè) ......................................................................................................35（五）員工隊(duì)伍概況 ......................................................................................................35四、產(chǎn)品與服務(wù) .....................................................37（一）產(chǎn)品應(yīng)用范圍 ......................................................................................................37（二）主要產(chǎn)品和服務(wù) ..................................................................................................38（三）無(wú)形資產(chǎn) .............................................................................................................39（四）研究與開發(fā) .........................................................................................................43公司資金管理產(chǎn)品研發(fā)的總體目標(biāo) .......................................................................44軟件特性的研發(fā)方向 .............................................................................................44公司防止核心技術(shù)外泄的保證措施 .......................................................................45五、市場(chǎng)與競(jìng)爭(zhēng)分析 .................................................46（一）目標(biāo)市場(chǎng)概況 ......................................................................................................46公司目前已進(jìn)入的市場(chǎng) .........................................................................................46計(jì)劃進(jìn)入的目標(biāo)市場(chǎng) .............................................................................................48 北京九恒星科技股份有限公司商業(yè)計(jì)劃書3（二）競(jìng)爭(zhēng)及競(jìng)爭(zhēng)伙伴分析 ...........................................................................................52競(jìng)爭(zhēng)產(chǎn)品分析 .......................................................................................................52競(jìng)爭(zhēng)伙伴分析 .......................................................................................................52（三）公司的競(jìng)爭(zhēng)優(yōu)勢(shì) ..................................................................................................54團(tuán)隊(duì)專業(yè)程度高 ....................................................................................................54市場(chǎng)地位突出 .......................................................................................................55產(chǎn)品適用性廣 .......................................................................................................55具有自主知識(shí)產(chǎn)權(quán) ................................................................................................55客戶優(yōu)勢(shì)強(qiáng)大 .......................................................................................................55人員默契，經(jīng)驗(yàn)豐富 .............................................................................................56六、產(chǎn)品銷售 .......................................................57（一）銷售模式 .............................................................................................................57（二）合作伙伴 .............................................................................................................57商業(yè)銀行 ...............................................................................................................57技術(shù)伙伴（安全認(rèn)證機(jī)構(gòu)、安全軟件、設(shè)備供應(yīng)商） ..........................................58（三）客戶群體 .............................................................................................................58大型集團(tuán)企業(yè)類 ....................................................................................................58金融企業(yè)類 ...........................................................................................................59公用事業(yè)類 ...........................................................................................................60七、財(cái)務(wù)狀況與財(cái)務(wù)預(yù)測(cè) .............................................61（一）公司近三年財(cái)務(wù)狀況 ...........................................................................................61（二）公司納稅情況 ......................................................................................................62（三）公司 2022 年財(cái)務(wù)情況預(yù)測(cè) .................................................................................63八、公司業(yè)務(wù)發(fā)展主要風(fēng)險(xiǎn)分析及對(duì)策 .................................65（一）行業(yè)風(fēng)險(xiǎn) .............................................................................................................65（二）客戶流失風(fēng)險(xiǎn) ......................................................................................................65（三）人才流失風(fēng)險(xiǎn) ......................................................................................................65（四）市場(chǎng)風(fēng)險(xiǎn) .............................................................................................................66（五）技術(shù)風(fēng)險(xiǎn) .............................................................................................................67（六）管理風(fēng)險(xiǎn) .............................................................................................................67九、本次融資計(jì)劃 ...................................................70（一）總體安排 .............................................................................................................70（二）本次股份發(fā)行價(jià)格的確定 ....................................................................................70（三）本次發(fā)行的對(duì)象 ...............................