（一）领导小组统一领导存贷款风险的应急处置工作，全面负责 存贷款风险的防范和处置工作。 （二）财务部、审计部、法律合规部及相关部门按照职责分工， 积极落实各项防范化解风险的措施，相互协调，共同防范和化解风险。 瑞泰科技股份有限公司关于在中国建材集团财务有限公司 开展金融业务的风险处置预案 为有效防范、及时控制和化解瑞泰科技股份有限公司（以下称"公 司"或"甲方"）及下属子公司在中国建材集团财务有限公司（以下 简称"财务公司"或"乙方"）存贷款业务的资金风险，维护资金安 全，公司特制定本风险处置预案。 第一章 风险处置机构及职责 第一条 公司成立存贷款风险处置领导小组，由公司总经理任组 长，为领导小组风险预防处置的第一责任人，由公司财务总监任副组 长，领导小组成员包括财务部、审计部、法律合规部等相关部门人员。 领导小组负责组织开展存贷款风险的防范和处置工作，领导小组下设 工作小组，办公地点设在财务部，由财务总监任工作小组组长，具体 负责日常的监督与管理工作，严控财务公司存贷款风险。 第二条 存贷款风险处置机构职责： （三）工作小组实时关注财务公司经营情况，一旦发现问题，及 时向领导小组报告，并采取果断措施，防止 ...

Financial Performance - The company's operating revenue for Q3 2025 was ¥880,074,098.05, a decrease of 20.37% compared to the same period last year[5]. - The net profit attributable to shareholders was a loss of ¥20,502,835.46, representing a decline of 682.14% year-on-year[5]. - The basic earnings per share were -¥0.0873, down 670.59% from the previous year[5]. - For the period from January to September 2025, operating profit decreased by 43.99%, total profit decreased by 52.22%, and net profit decreased by 62.69%, primarily due to a decline in downstream market demand, leading to a decrease in revenue and gross margin[13]. - The company's net profit attributable to shareholders decreased to CNY 223,489,879.55, compared to CNY 255,986,949.45 in the previous period, reflecting a decline of 12.7%[21]. - The company's operating profit decreased to ¥57,971,524.36 from ¥103,507,924.82, representing a decline of approximately 44% year-over-year[24]. - Net profit for the period was ¥33,363,127.84, down from ¥89,425,271.38, indicating a decrease of about 63% compared to the previous year[24]. - The total comprehensive income amounted to ¥30,028,668.14, a significant drop from ¥85,758,829.32, reflecting a decline of approximately 65% year-over-year[24]. Cash Flow and Liquidity - The net cash flow from operating activities was -¥128,642,553.08, a decrease of 651.17% compared to the same period last year[5]. - For the period from January to September 2025, net cash flow from operating activities decreased by 651.17%, mainly due to an increase in cash for bill maturity payments[13]. - Cash flow from operating activities showed a net outflow of ¥128,642,553.08, contrasting with a net inflow of ¥23,339,913.43 in the previous period[26]. - Cash and cash equivalents decreased by 31.32% compared to the beginning of the year, primarily due to reduced net cash flow from operating activities[11]. - The company’s cash and cash equivalents decreased to CNY 311,009,699.93 from CNY 452,844,931.15, a decline of 31.2%[20]. - Cash inflow from financing activities was ¥894,333,775.24, compared to ¥957,752,422.32 in the previous period, showing a decrease of about 7%[27]. Assets and Liabilities - Total assets at the end of the reporting period were ¥4,917,146,226.83, down 3.60% from the end of the previous year[5]. - Current assets totaled CNY 3,504,121,261.35, a decrease from CNY 3,680,874,884.43 at the beginning of the period[20]. - Total liabilities decreased to CNY 3,439,140,062.25 from CNY 3,605,714,068.23, indicating a reduction of 4.6%[22]. - As of September 30, 2025, current non-current liabilities due within one year decreased by 41.77% compared to the beginning of the year, primarily due to a reduction in long-term borrowings due within one year[12]. - As of September 30, 2025, other current liabilities decreased by 53.99% compared to the beginning of the year, mainly due to a decrease in endorsed but not yet due acceptance bills[12]. - As of September 30, 2025, long-term borrowings decreased by 30.77% compared to the beginning of the year, mainly due to debt structure adjustments[12]. - The company reported a significant increase in short-term borrowings, rising to CNY 750,550,531.99 from CNY 370,300,899.79, an increase of 102.4%[21]. Operational Efficiency - The company incurred operating expenses of ¥1,922,416,518.44, which is an increase from ¥1,752,560,384.52, representing an increase of approximately 10% year-over-year[26]. - For the period from January to September 2025, sales expenses decreased by 31.27% year-on-year, mainly due to optimized sales channels and strengthened expense control[12]. - The company reported a significant increase in prepayments by 38.86%, driven by increased raw material purchases and construction project prepayments[11]. - The company experienced a 60.73% increase in accounts receivable financing, primarily due to an increase in received bank acceptance bills[11]. - Credit impairment losses decreased by 34.10% year-on-year, primarily due to a reduction in bad debt provisions for accounts receivable[12]. Strategic Initiatives - The company plans to extend the validity period for issuing convertible bonds, indicating ongoing financing strategies[20]. - The company has approved a stock incentive plan for 2024, aimed at enhancing employee motivation and retention[20].

Core Viewpoint - The renovation and building materials sector experienced a slight increase, closing at 15,571.95 points with a gain of 0.43% on October 22, indicating a positive trend in the market [1] Group 1: Stock Performance - Several stocks in the renovation and building materials sector saw price increases, with瑞泰科技 closing at 16.39 CNY per share, up 5.13%, leading the sector [1] - 梦百合 closed at 10.10 CNY per share, with a gain of 4.88%, ranking second in the sector [1] - 濮耐股份 closed at 5.92 CNY per share, up 3.86%, ranking third [1] - Conversely, 东鹏控股 led the declines, closing at 7.34 CNY per share, down 3.29% [1] - 德尔未来 closed at 5.51 CNY per share, down 1.96%, ranking second in declines [1] - 凯伦股份 closed at 12.61 CNY per share, down 1.87%, ranking third in declines [1] Group 2: Market Analysis - 东吴证券 reported that the clearing of the real estate chain is nearing completion, leading to a significant improvement in the supply structure [1] - The report highlighted that the clearing is more evident in fragmented sectors, with many retail companies accelerating their channel expansion [1] - Despite downward adjustments in performance forecasts, valuations have become overly pessimistic, and stock prices are no longer declining [1] - The improvement in market conditions is expected to become more pronounced due to favorable housing policies and urban renewal initiatives impacting both supply and demand [1]

Market Performance - The renovation and building materials sector rose by 1.11% on October 15, with Youbang Ceiling leading the gains [1] - The Shanghai Composite Index closed at 3912.21, up 1.22%, while the Shenzhen Component Index closed at 13118.75, up 1.73% [1] Top Gainers in the Sector - Youbang Ceiling (002718) closed at 24.18, up 6.01% with a trading volume of 33,200 lots and a transaction value of approximately 77.50 million yuan [1] - Jianlang Hardware (002791) closed at 22.71, up 5.14% with a trading volume of 193,400 lots [1] - Fashilong (605318) closed at 52.86, up 4.32% with a trading volume of 59,900 lots and a transaction value of approximately 299 million yuan [1] Sector Fund Flow - The renovation and building materials sector saw a net inflow of 92.69 million yuan from institutional investors, while retail investors experienced a net outflow of 129 million yuan [2] - The sector's main funds showed a mixed trend, with some companies attracting significant net inflows while others faced outflows [3] Notable Stocks with Fund Flow - Beixin Building Materials (000786) had a net inflow of approximately 36.81 million yuan from main funds, but a net outflow of 45.10 million yuan from retail investors [3] - Jianlang Hardware (002791) attracted a net inflow of about 30.89 million yuan from main funds, with a net outflow of 33.69 million yuan from retail investors [3] - San Ke Tree (603737) saw a net inflow of 12.85 million yuan from main funds, but also faced a net outflow of 11.04 million yuan from retail investors [3]

Investment Rating - The investment rating for the building materials industry is "Overweight" [70] Core Insights - The overall ESG scores for the 11 central enterprises in the building materials sector are good, with strengths in climate change response and social responsibility, while governance performance varies among companies [10][58] - The importance assessment shows that 10 companies have completed dual importance assessments, but third-party verification is lacking, with only one company introducing third-party validation [13][15] - Environmental and climate issues are prioritized, with scores ranging from 24 to 34 out of 35, indicating a strong focus on compliance and green transformation [17][18] - Social responsibility is highlighted through initiatives in rural revitalization and public welfare, with all companies demonstrating a strong commitment to social responsibility [44][47] - Governance structures are generally well-established, with most companies scoring high in governance mechanisms, although there is room for improvement in ESG information supervision [58][65] Summary by Sections Overall Performance - The ESG scores for the 11 central enterprises are generally above 70, with 2 companies scoring above 90, 5 between 80-89, 3 between 70-79, and 1 between 60-69 [10][12] Importance Assessment - 10 companies disclosed importance assessments, with a focus on financial performance-related issues, but only one company provided third-party verification [13][15] Environmental & Climate - The total scores for environmental and climate issues range from 24 to 34, with 7 companies scoring between 30-34, indicating a strong emphasis on both environmental compliance and climate disclosure [17][18] - All companies disclosed their waste management practices, with a 100% disclosure rate for waste treatment [20] Social Responsibility - All 11 companies disclosed their social responsibility initiatives, particularly in rural revitalization and public welfare, demonstrating a strong commitment to social issues [44][47] Governance - Governance scores are concentrated in the mid to high range, with 9 out of 11 companies achieving high scores in governance structure [58][65] - Most companies have established effective governance mechanisms, but there is a need for improved transparency in ESG information supervision [58][65]

Investment Rating - The report rates the central state-owned enterprises in the building materials industry as "Positive" [2] Core Insights - The overall ESG scores of the 11 central state-owned enterprises in the building materials sector are good, with strengths in climate change response and social responsibility, while governance performance varies among companies [4][12] - The scoring results show that 2 companies scored above 90, 5 companies scored between 80-89, 3 companies scored between 70-79, and 1 company scored between 60-69, with no companies scoring below 60 [12] - The report emphasizes the importance of ESG performance in the context of increasing regulatory requirements and market expectations [4] Summary by Sections 1. Overall Scores and Areas for Improvement - The ESG scores of the 11 central state-owned enterprises are generally good, with climate change and social responsibility being strong points, while governance disclosures need improvement [12] 2. Importance Assessment - 10 out of 11 companies disclosed importance assessments, indicating a high level of awareness regarding issues related to their financial performance [15][17] - Only 1 company included third-party verification in their ESG report, highlighting a gap in external validation [15][17] 3. Environmental & Climate Focus - The total scores for "environment + climate change" range from 24 to 34 (out of 35), with 7 companies scoring between 30-34, indicating a strong focus on these issues [20] - All companies disclosed their waste management practices, with a 100% disclosure rate for "three wastes" [24] 4. Social Responsibility - All 11 companies disclosed their contributions to rural revitalization and social welfare, reflecting a strong commitment to social responsibility [53][56] - Most companies provided detailed accounts of their funding, project execution, and social impact [53] 5. Governance Structure - The governance scores are primarily in the mid to high range, with 9 out of 11 companies achieving full marks in three governance areas [68] - Most companies have established robust governance mechanisms, but disclosures regarding ESG information supervision are still lacking [68][71] 6. Climate Management - 8 companies have established climate management frameworks, but there is a need for improved transparency and quantification in risk management [49] - All companies disclosed their climate-related targets, focusing on carbon reduction and energy efficiency [50]

Core Viewpoint - 瑞泰科技 announced that neither the company nor its subsidiaries have any overdue external guarantees or are involved in any lawsuits related to external guarantees, nor are they liable for any losses due to judgments against such guarantees [2] Summary by Categories - **Company Status** - 瑞泰科技 confirmed the absence of overdue external guarantees [2] - The company and its subsidiaries are not involved in any lawsuits related to external guarantees [2] - There are no liabilities for losses due to judgments against external guarantees [2]

Market Overview - The renovation and building materials sector increased by 1.64% on October 10, with Fa Shilong leading the gains [1] - The Shanghai Composite Index closed at 3897.03, down 0.94%, while the Shenzhen Component Index closed at 13355.42, down 2.7% [1] Stock Performance - Fa Shilong (605318) closed at 45.98, up 7.23% with a trading volume of 32,000 hands and a transaction value of 142 million yuan [1] - Other notable performers included: - Tu Baobao (002043) at 11.28, up 4.83% with a trading volume of 261,300 hands [1] - Dongfang Yuhong (002271) at 12.86, up 3.71% with a trading volume of 675,500 hands [1] - Ruitai Technology (002066) at 16.04, up 3.48% with a trading volume of 121,400 hands [1] Capital Flow - The renovation and building materials sector saw a net inflow of 77.56 million yuan from institutional investors, while retail investors contributed a net inflow of 13.87 million yuan [2] - Notable capital flows included: - Dongfang Yuhong (002271) with a net outflow of 32.07 million yuan from institutional investors [3] - Beixin Building Materials (000786) with a net inflow of 27.00 million yuan from institutional investors [3] - Huali Co., Ltd. (603038) with a net inflow of 26.18 million yuan from institutional investors [3]

证券代码：002066 证券简称：瑞泰科技 公告编号：2025-048 瑞泰科技股份有限公司 关于下属公司的担保进展公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假 记载、误导性陈述或重大遗漏。 一、 担保情况概述 瑞泰科技股份有限公司（以下简称"公司"）于 2025 年 4 月 28 日召开第八届 董事会第十三次会议，审议通过了《关于公司 2025 年为下属公司向金融机构申 请综合授信提供担保的议案》，同意公司 2025 年为控股子安徽瑞泰新材料科技 有限公司（以下简称"安徽瑞泰"）向金融机构申请综合授信提供担保。前述议 案已经公司于 2025 年 5 月 19 日召开的 2025 年第一次临时股东会审议通过。具 体情况详见公司于 2025 年 4 月 30 日在《中国证券报》、《证券日报》和巨潮资 讯网（www.cninfo.com.cn）上披露的《瑞泰科技股份有限公司对外担保公告》 （公告编号：2025-019）。 二、担保进展情况 近日，安徽瑞泰与中国农业银行股份有限公司宁国市支行（以下简称"农行 宁国支行"）签订了《流动资金借款合同》（合同编号：340101202500060 ...

Core Viewpoint - The renovation and building materials sector experienced a slight increase, closing at 15,153.32 points with a growth rate of 0.02% on October 9, 2023, driven by several stocks in the sector showing positive performance [1] Group 1: Stock Performance - Wanli Stone led the sector with a closing price of 37.47 CNY per share, marking a growth of 10.01% [1] - Filinger achieved a closing price of 40.66 CNY per share, with a growth of 5.31%, ranking second in the sector [1] - Ruitai Technology closed at 15.15 CNY per share, reflecting a growth of 2.85%, placing it third among renovation and building materials stocks [1] - ST Sitong led the decline with a closing price of 7.81 CNY per share, down by 3.46% [1] - Mengbaihe closed at 8.68 CNY per share, with a decline of 3.45%, ranking second in losses [1] - Senying Windows closed at 41.79 CNY per share, down by 2.84%, placing it third in the decline [1] Group 2: Market Outlook - According to China Galaxy Securities, the retail sales of building and decoration materials are expected to grow by 1.8% year-on-year from January to August 2025 [1] - The demand in the home decoration market is anticipated to improve gradually due to favorable weather and the ongoing implementation of the old-for-new policy [1] - Urban renewal initiatives are expected to further stimulate demand for renovation and repair, boosting consumption in the building materials market [1]