| 证券代码：688590 | 证券简称：新致软件 | 公告编号：2024-040 | | --- | --- | --- | | 转债代码：118021 | 转债简称：新致转债 | | 上海新致软件股份有限公司 关于"新致转债"付息公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性 陈述或者重大遗漏，并对其内容的真实性、准确性和完整性依法承担法律责 任。 重要内容提示： 上海新致软件股份有限公司（以下简称"新致软件"或"公司"）于 2022 年 9 月 27 日向不特定对象发行可转换公司债券（以下简称"新致转债"或"可转债"），并 将于 2024 年 9 月 27 日开始支付自 2023 年 9 月 27 日至 2024 年 9 月 26 日期间 的利息。根据《上海新致软件股份有限公司向不特定对象发行可转换公司债券募 集说明书》（以下简称"《募集说明书》"）有关条款的规定，现将有关事项公告如 下 一、可转债发行上市概况 （一）可转债发行情况 经中国证券监督管理委员会证监许可[2022]1632 号文核准，公司于 2022 年 9 月 27 日向不特定对象发行了 4,848,100 张可转换 ...

一、本次现场检查的基本情况 （一）保荐机构：长江证券承销保荐有限公司 （二）保荐代表人：赵雨、黄力 （三）现场检查时间：2024 年 8 月 28 日至 2024 年 9 月 4 日 （四）现场检查人员：赵雨、顾潇 长江证券承销保荐有限公司 关于上海新致软件股份有限公司 2024 年半年度持续督导工作现场检查报告 根据《证券发行上市保荐业务管理办法》《上海证券交易所科创板股票上市 规则》《上海证券交易所上市公司自律监管指引第 11 号——持续督导》等有关法 律、法规的规定，长江证券承销保荐有限公司（以下简称"长江保荐"、"保荐机 构"）作为正在履行上海新致软件股份有限公司（以下简称"新致软件"、"上市 公司"、"公司"）持续督导工作的保荐机构，本着审慎和勤勉尽责的原则，于 2024 年 8 月 28 日至 2024 年 9 月 4 日对公司 2024 年 1 月 1 日至 2024 年 6 月 30 日期 间（以下简称"本持续督导期间"）进行了现场检查，现就现场检查有关情况报 告如下： （五）现场检查内容：公司治理及内部控制、信息披露、独立性、与关联方 的资金往来、募集资金使用情况、关联交易、对外担保、重大对 ...

长江证券承销保荐有限公司 关于上海新致软件股份有限公司 2024 年半年度持续督导跟踪报告 长江证券承销保荐有限公司（以下简称"长江保荐"、"保荐机构"）作为上海 新致软件股份有限公司（以下简称"新致软件"、"公司"）持续督导的保荐机构， 根据《证券发行上市保荐业务管理办法》《上海证券交易所科创板股票上市规则》 《上海证券交易所上市公司自律监管指引第 11 号——持续督导》等有关法律、 法规的规定，负责新致软件的持续督导工作，并出具本持续督导跟踪报告。 1 序号 工作内容 持续督导情况 1 建立健全并有效执行持续督导工作制度，并针 对具体的持续督导工作制定相应的工作计划 保荐机构已建立健全并有效执行 了持续督导制度，并制定了相应的 工作计划 2 根据中国证监会相关规定，在持续督导工作开 始前，与上市公司或相关当事人签署持续督导 协议，明确双方在持续督导期间的权利义务，并 报上海证券交易所备案 保荐机构已与新致软件签订《保荐 协议》，该协议明确了双方在持续 督导期间的权利和义务，并报上海 证券交易所备案 3 通过日常沟通、定期回访、现场检查、尽职调查 等方式开展持续督导工作 保荐机构通过日常沟通、定期及不 定期 ...

| 证券代码：688590 | 证券简称：新致软件 | 公告编号：2024-038 | | --- | --- | --- | | 转债代码：118021 | 转债简称：新致转债 | | 上海新致软件股份有限公司 关于以集中竞价交易方式回购股份比例达到 2%暨 回购进展公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： | 回购方案首次披露日 | 2024/2/1 | | --- | --- | | 回购方案实施期限 | 2024/1/31~2025/1/30 | | 预计回购金额 | 万元 5,000 万元~10,000 | | 回购用途 | √减少注册资本 √用于员工持股计划或股权激励 | | | □用于转换公司可转债 | | | □为维护公司价值及股东权益 | | 累计已回购股数 | 522.3181 万股 | | 累计已回购股数占总股本比例 | 2.0033% | | 累计已回购金额 | 6171.379981 万元 | | 实际回购价格区间 | 9.81 元/股~14.39 元/股 | 一、 回购股 ...

Financial Performance - Revenue for the first half of 2024 reached $500 million, representing a 15% year-over-year growth[1] - Net profit for the first half of 2024 was $50 million, a 10% increase compared to the same period last year[1] - Revenue for the reporting period reached 928.67 million yuan, a year-on-year increase of 31.37%[13] - Net profit attributable to shareholders of the listed company was 21.25 million yuan, a year-on-year decrease of 21.85%[13] - Net profit attributable to shareholders after deducting non-recurring gains and losses was 19.06 million yuan, a year-on-year decrease of 4.75%[13] - Total revenue for the first half of 2024 increased to 928,670,160.81, up 31.4% compared to 706,893,740.16 in the same period of 2023[135] - Operating profit for the first half of 2024 decreased to 15,622,449.71, down 40.6% from 26,296,528.05 in the first half of 2023[136] - Net profit attributable to parent company shareholders for the first half of 2024 was 21,249,133.54, a decrease of 21.8% compared to 27,189,223.94 in the same period of 2023[136] - Net profit for the first half of 2024 was RMB 24,623,794.63, a decrease of 5.7% compared to RMB 26,107,980.80 in the same period last year[139] - Basic earnings per share for the first half of 2024 decreased to 0.08, down 27.3% from 0.11 in the same period of 2023[137] - Basic earnings per share for the first half of 2024 remained stable at RMB 0.10, the same as in the first half of 2023[139] Market Expansion and Customer Growth - The company's customer base grew by 20% in the first half of 2024, reaching 1,000 major clients[7] - The company expanded its market presence by entering two new regions, contributing to a 5% increase in market share[7] - The company's SaaS platform saw a 30% increase in active users, reaching 500,000 by the end of the reporting period[7] - The company has a high market share in the insurance industry IT solutions market, serving core clients such as China Pacific Insurance, People's Insurance Company of China, China Life Insurance, and New China Life Insurance[22] - The company's banking IT solutions are applied to over 40 joint-stock banks, with high customer coverage in large commercial banks, joint-stock commercial banks, and Postal Savings Bank of China[22] R&D and Innovation - New product development accounted for 25% of total R&D expenditure, amounting to $30 million[7] - The company plans to invest $100 million in new technology development over the next year[7] - R&D investment accounted for 11.03% of revenue, a decrease of 0.67 percentage points year-on-year[14] - The company's total R&D investment in the first half of 2024 was RMB 102.41 million, an increase of 23.81% year-on-year, with the capitalization ratio of R&D investment increasing by 1.84 percentage points to 18.75%[51] - R&D expenses grew by 21.06% to RMB 83.21 million, reflecting increased investment in AIGC-related solutions[79][80] - The company's AI-driven "Newtouch Xinzhi AI Platform" serves as the core foundation for industry applications[65] - The company's AI programming assistants based on large models will significantly improve programming efficiency, and AI+low-code integration will allow more non-software professionals to participate in software development[26] Strategic Acquisitions and Investments - The company completed one strategic acquisition, enhancing its cloud computing capabilities[7] - The company invested RMB 4,000,000 in Shanghai Minhang Technology Achievement Transfer Venture Capital Partnership, with a cumulative profit impact of RMB 399,240[88] - The company invested RMB 4,000,000 in Shanghai Financial Technology Equity Investment Fund, with a cumulative profit impact of RMB 18,000[88] - The total investment in private equity funds was RMB 8,000,000, with a cumulative profit impact of RMB 401,040[88] - The company used 164 million yuan of idle raised funds to temporarily supplement working capital, with a usage period not exceeding 12 months[114] - The company invested 100 million yuan of idle raised funds in cash management, generating an investment income and deposit interest of 491,246.54 yuan[116] Financial Position and Assets - Total assets as of June 30, 2024, stood at $1.2 billion, a 12% increase from the previous year[1] - Total assets increased by 14.87% to 3.10 billion yuan compared to the end of the previous year[13] - Total assets as of the reporting period increased to 2,987,204,873.29, up 15.5% compared to 2,586,332,423.71 in the previous period[134] - Total assets increased to 3,101,120,781.77 RMB, up from 2,699,689,831.86 RMB in the previous period[130] - Intangible assets grew to 46,680,150.51 RMB, compared to 57,946,919.38 RMB previously[130] - Development expenditure rose to 54,668,538.81 RMB, up from 35,464,740.24 RMB[130] - Total liabilities increased to 1,500,568,283.45 RMB, compared to 1,105,007,201.94 RMB in the prior period[131] - Owner's equity (or shareholders' equity) totaled 1,600,552,498.32 RMB, slightly up from 1,594,682,629.92 RMB[131] - Monetary funds decreased to 216,858,298.26 RMB, down from 463,694,434.80 RMB[132] - Accounts receivable increased to 984,218,123.90 RMB, up from 829,037,639.13 RMB[132] - Inventory rose to 428,171,531.28 RMB, compared to 268,563,017.64 RMB previously[132] - Short-term borrowings increased to 654,000,000.00 RMB, up from 537,000,000.00 RMB[133] - Contract liabilities grew to 41,072,511.30 RMB, compared to 7,968,328.18 RMB in the prior period[133] Cash Flow and Liquidity - Net cash flow from operating activities was -282.12 million yuan, a decrease of 127.32 million yuan compared to the same period last year[15] - Net cash flow from operating activities in the first half of 2024 was negative RMB 282,121,834.38, compared to negative RMB 154,799,665.10 in the same period last year[141] - Net cash flow from investing activities in the first half of 2024 was negative RMB 341,004,361.48, compared to negative RMB 20,037,538.36 in the same period last year[141] - Net cash flow from financing activities in the first half of 2024 was positive RMB 350,270,975.75, compared to negative RMB 99,205,549.41 in the same period last year[141] - The company's cash and cash equivalents balance at the end of the first half of 2024 was RMB 274,714,547.85, a decrease of 20.3% from RMB 344,675,795.62 at the end of the same period last year[142] - Operating cash flow decreased to -200.32 million yuan in the first half of 2024, compared to -173.89 million yuan in the same period of 2023[143] - Investment cash flow turned negative at -351.61 million yuan in H1 2024, compared to a positive 29.98 million yuan in H1 2023[143] - Financing cash flow improved significantly to 304.47 million yuan in H1 2024 from -81.76 million yuan in H1 2023[143] - Total cash and cash equivalents decreased to 215.70 million yuan at the end of H1 2024, down from 284.89 million yuan at the end of H1 2023[144] Industry Trends and Market Outlook - The software and information technology service industry in China grew by 11.5% in revenue and 15.7% in profit during the first half of 2024[18] - China's AI core industry scale reached 578.7 billion yuan in 2023, with over 4,400 AI enterprises, ranking second globally[25] - The global AI market size is expected to reach $615.8 billion by the end of 2024, with China's market size projected to exceed 799.3 billion yuan[25] - China's industrial software product revenue in 2023 was 282.4 billion yuan, a year-on-year increase of 12.30%[27] - Industrial software demand will experience rapid growth in 2024, with supply and demand becoming more aligned, and its proportion in the entire software industry will further increase[27] - Data flow volume increasing by 10% can drive GDP growth by 0.2 percentage points, indicating exponential growth potential[29] - The establishment of the National Data Bureau signifies the gradual improvement of China's digital economy development top-level design[29] - China's data element market is expected to become more active in 2024, with data products becoming more abundant and the value of data elements being more fully released[29] Employee and Organizational Growth - Employee headcount increased by 10% to 2,000 employees, supporting the company's growth initiatives[7] - The total number of R&D personnel increased to 817, accounting for 12.80% of the total workforce, with a total R&D salary of 1.004453 billion yuan[57] - The company has accumulated rich industry experience and practical cases through years of service in insurance, banking, telecommunications, and automotive industries[59] - The company has established a strict project management system based on CMMI5, ISO9001, and ISO27001 standards, ensuring effective management of project life cycles[60] Risks and Challenges - The company incurred 1.04 million yuan in severance costs due to project reductions by core bank customers[15] - The company's profit was impacted by 2.76 million yuan in stock-based compensation and convertible bond interest expenses[14] - The company incurred 10.3943 million yuan in severance fees due to project cuts by core banking clients[67] - Accounts receivable net balance at the end of the reporting period was RMB 1,267.5634 million, with potential risks of bad debt losses due to macroeconomic or customer financial conditions[74] - The company's goodwill balance was RMB 77.4318 million, mainly from acquisitions, with potential impairment risks due to macroeconomic or market changes[75] - The company's revenue heavily relies on financial institutions, with risks from fluctuations in their profitability or reduced IT budgets[76] - The company's solutions are highly concentrated in financial sectors, with risks from declining demand or reduced competitiveness in these areas[77] - The company faces risks from macroeconomic fluctuations, as its main clients are in insurance and banking, which are sensitive to economic changes[78] - The company faces risks from rising labor costs, particularly in Shanghai, where its headquarters is located, which could impact profitability if wage growth outpaces productivity[73] Corporate Governance and Commitments - The company's actual controller, shareholders, and related parties have committed to not reducing their shares in violation of regulations, with the commitment effective from December 20, 2019[99] - The company's controlling shareholder and actual controller have committed to avoiding同业竞争 with the company and its subsidiaries, effective from December 20, 2019[99] - The company's actual controller, controlling shareholder, and major shareholders have committed to minimizing关联交易 with the company and its subsidiaries, effective from December 20, 2019[99] - The company's actual controllers, directors (excluding independent directors), and senior management will increase their holdings of the company's stock by no less than 10% and no more than 50% of their after-tax salary from the previous year to stabilize the stock price[102] - If the company's prospectus contains false statements that materially affect the judgment of the company's compliance with legal issuance conditions, the company will repurchase all newly issued shares at market price[102] - The company's controlling shareholder, Qianzhi Communication, and actual controller Guo Wei will repurchase shares at market price if the company's stock is suspended, with the repurchase price not lower than the average trading price of the previous trading day[103] - The company's directors, supervisors, and senior management will bear individual and joint liability for compensation obligations arising from false statements in the prospectus[103] - The company and its controlling shareholder, Qianzhi Communication, will initiate a stock repurchase program within 5 working days if the company is found to have obtained listing approval through fraudulent means[103] - The company plans to distribute a minimum of 20% to 80% of its distributable profits as cash dividends, with a minimum of 40% for mature companies with significant capital expenditures[104] - The company will prioritize cash dividends for profit distribution if conditions are met, and may use stock dividends if additional profits remain[104] - The company commits to compensating investors if any false statements or omissions are found in its IPO prospectus, as determined by regulatory authorities[104] - The company's controlling shareholder and actual controller pledge not to interfere with management and to compensate for any losses caused by violations of commitments[105] - The company and its directors, supervisors, and senior management ensure the accuracy and completeness of the 2022 convertible bond issuance prospectus[105] - Major shareholders commit to subscribing to the convertible bonds and agree to restrictions on selling shares or bonds within specified periods[105] - Certain major shareholders have opted not to participate in the convertible bond subscription and will not delegate others to do so[105] - The company's actual controller and chairman, Guo Wei, plans to indirectly participate in the issuance of convertible bonds through Shanghai Front Communication Technology Co., Ltd. and Shanghai Zhongjian Management Consulting Co., Ltd. [106] - Directors, supervisors, and senior management, including Liu Hongliang, Wang Gang, and Jiang Li, have committed not to subscribe to the convertible bonds issued to unspecified objects [107] - The company has committed to using the purchased property entirely for research and development, testing, operation, and maintenance, and related software development activities, with no plans for leasing or selling the property [107] - The company has pledged not to provide any form of financial assistance, including loans or guarantees, for the acquisition of restricted shares under the equity incentive plan [107] Legal and Compliance - There were no significant litigation or arbitration matters during the reporting period [109] - No major violations or penalties were reported for the company, its directors, supervisors, senior management, controlling shareholders, or actual controllers during the reporting period [109] - No significant related-party transactions related to daily operations, asset or equity acquisitions, or joint external investments were reported during the period [109][110] - No significant related-party debt or financial transactions with related financial companies were reported [110] - No significant contracts related to trusteeship, contracting, or leasing were reported during the period [110] Environmental and Social Responsibility - The company did not incur any environmental protection costs during the reporting period[93] - The company is not involved in any environmentally polluting activities and has not received any environmental penalties[94][95] - The company has not taken any carbon reduction measures, resulting in a reduction of 0 tons of CO2 equivalent emissions[97] - The company has implemented internal energy-saving measures to reduce costs and improve energy utilization[96] Shareholder and Equity Information - The total number of shares increased by 3,861,500, reaching 260,699,714 shares, all of which are unrestricted tradable shares[118] - The cumulative amount of "Xinzhi Convertible Bonds" converted into company shares is RMB 234,706,000, with a total of 21,975,950 shares converted[119] - The total number of ordinary shareholders at the end of the reporting period is 10,550[120] - Shanghai Front Communication Technology Co., Ltd. holds 62,567,856 shares, accounting for 24.00% of the total shares[120] - Shanghai Zhongjian Management Consulting Co., Ltd. holds 13,309,088 shares, accounting for 5.11% of the total shares[120] - Dezhou Yangyue Venture Capital Partnership holds 7,637,525 shares, accounting for 2.93% of the total shares[120] - Shanghai Dianju Investment Consulting Partnership holds 7,531,423 shares, accounting for 2.89% of the total shares[120] - Changchunteng (Kunshan) Industrial Investment Center holds 6,370,182 shares, accounting for 2.44% of the total shares[120] - CENTRAL ERA LIMITED holds 6,115,824 shares, accounting for 2.35% of the total shares[120] - OASIS COVE INVESTMENTS LIMITED holds 6,115,824 shares, accounting for 2.35% of the total shares[120] - As of August 27, 2024, the company's repurchase account holds 4,863,181 shares, accounting for 1.8653% of the total shares[121] - The company issued 4,848,100 convertible bonds (新致转债) with a total value of 484.81 million yuan in 2022, each with a face value of 100 yuan[124] - As of the reporting period, there were 6,537 holders of the convertible bonds (新致转债)[125] - The top 10 holders of the convertible bonds include China Minsheng Bank, China Construction Bank, and China Everbright Bank, with the largest holder holding 8.08% of the total bonds[125] - During the reporting period, 41.242 million yuan of convertible bonds were converted into shares, resulting in 3,861,500 shares issued[126] - The cumulative number of shares converted from convertible bonds reached 21,975,950 shares, accounting for 9.2056% of the total shares before conversion[127] - The remaining unconverted bonds amount to 250.104 million yuan, representing 51.588% of the total issued bonds[127] - The conversion price of the bonds was adjusted to 10.68 yuan per share on January 17, 2023, due to an increase in

2024 年半年度募集资金存放与使用情况专项报告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性依法承担法律责任。 一、募集资金基本情况 （一）实际募集资金金额、资金到账时间 | 证券代码：688590 | 证券简称：新致软件 | 公告编号：2024-037 | | --- | --- | --- | | 转债代码：118021 | 转债简称：新致转债 | | 上海新致软件股份有限公司 根据中国证券监督管理委员会出具的《关于同意上海新致软件股份有限公司 向不特定对象发行可转换公司债券注册的批复》（证监许可〔2022〕1632 号）， 公司获准向不特定对象发行可转换公司债券。公司本次发行面值总额 484,810,000.00 元的可转换公司债券，每张可转债面值为人民币 100.00 元，按面 值发行，期限 6 年。截至 2022 年 10 月 27 日止，本次向不特定对象发行可转换 公司债券募集资金共计人民币 484,810,000.00 元。上述募集资金在扣除保荐及承 销费用（不含增值税）人民币 8,250,758.00 元后，本次可转换公 ...

| 证券代码：688590 | 证券简称：新致软件 | 公告编号：2024-035 | | --- | --- | --- | | 转债代码：118021 | 转债简称：新致转债 | | 上海新致软件股份有限公司 经审核，董事会认为公司 2024 年半年度报告的编制和审议程序符合《公开 发行证券的公司信息披露内容与格式准则第 3 号—半年度报告的内容与格式》 《上海证券交易所科创板股票上市规则》和《公司章程》等法律、行政法规，客 观地反映了公司 2024 年半年度的经营状况、财务状况等事项。半年度报告编制 过程中，未发现公司参与半年度报告编制和审议的人员有违反保密规定的行为； 2024 年半年度报告披露的信息真实、准确、完整，不存在任何虚假记载、误导性 陈述或重大遗漏。 此议案提交董事会审议前已经过审计委员会审议通过。 第四届董事会第十三次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性依法承担法律责任。 一、董事会会议召开情况 上海新致软件股份有限公司（以下简称"公司"）于 2024 年 8 月 27 日以现场 结合通讯方式召 ...

| 证券代码：688590 | 证券简称：新致软件 | 公告编号：2024-034 | | --- | --- | --- | | 转债代码：118021 | 转债简称：新致转债 | | 上海新致软件股份有限公司 关于股份回购进展公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： | 回购方案首次披露日 | 2024/2/1 | | --- | --- | | 回购方案实施期限 | 2024/1/31~2025/1/30 | | 预计回购金额 | 5,000 万元~10,000 万元 | | 回购用途 | √减少注册资本 √用于员工持股计划或股权激励 □用于转换公司可转债 | | | □为维护公司价值及股东权益 | | 累计已回购股数 | 万股 443.3181 | | 累计已回购股数占总股本比 | 1.7003% | | 例 | | | 累计已回购金额 | 5,356.435436 万元 | | 实际回购价格区间 | 10.62 元/股~14.39 元/股 | 一、 回购股份的基本情况 特此公告。 上海新致 ...

| 证券代码：688590 | 证券简称：新致软件 公告编号：2024-033 | | --- | --- | | 转债代码：118021 | 转债简称：新致转债 | 关于注销公司部分回购股份并减少注册资本暨通知 债权人的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈 述或者重大遗漏，并对其内容的真实性、准确性和完整性依法承担法律责任。 一、通知债权人的原因 上海新致软件股份有限公司（以下简称"公司"）于 2024 年 4 月 29 日召开 第四届董事会第十一次会议、于 2024 年 6 月 3 日召开 2023 年年度股东大会审议 通过了《关于变更回购股份方案的议案》。回购股份资金总额不低于 5,000 万元， 不超过 1 亿元，回购价格上限拟不超过 20 元/股，计划回购股份中 50%的股份由 "用于实施股权激励计划"调整为"用于注销并相应减少注册资本"。具体内容 详见公司于 2024 年 4 月 30 日在上海证券交易所网站（www.sse.com.cn）上披露 的《关于变更回购股份方案的公告》（公告编号：2024-019）。因公司进行 2023 年度权益分派，回购价格上限于 2 ...

证券简称：新致软件 证券代码：688590 债券简称：新致转债 债券代码：118021 上海新致软件股份有限公司 Shanghai Newtouch Software Co., Ltd. （上海市浦东新区康衫路 308 号） 向不特定对象发行可转换公司债券 第一次临时受托管理事务报告 （2024年度） 债券受托管理人 （中国（上海）自由贸易试验区世纪大道 1198 号 28 层） 二〇二四年七月 1-1 一、核准文件及核准规模 经中国证券监督管理委员会《关于同意上海新致软件股份有限公司向不特定 对象发行可转债注册的批复》（证监许可［2022］1632 号）同意注册，公司向 不特定对象共计发行 4,848,100 张可转换公司债券，每张面值为人民币 100 元， 按面值发行。本次发行可转债募集资金总额为人民币 48,481.00 万元。 经上海证券交易所自律监管决定书［2022］292 号文同意，公司 48,481.00 万元可转换公司债券已于 2022 年 11 月 2 日起在上海证券交易所挂牌交易，债券 简称"新致转债"，债券代码"118021"。债券期限为 2022 年 9 月 27 日至 2028 年 ...