精智达: 对外担保管理制度

Core Viewpoint - The article outlines the external guarantee management system of Shenzhen Jingzhida Technology Co., Ltd, emphasizing the need for risk control and compliance with relevant laws and regulations [1][2]. Group 1: General Principles - The company aims to standardize external guarantee behavior and protect asset safety based on various legal frameworks [1]. - External guarantees must adhere to principles of legality, prudence, mutual benefit, and safety [2]. - The company has the right to refuse any coercive requests for guarantees [2]. Group 2: Approval and Review Process - External guarantees require approval from the shareholders' meeting or board of directors [2][3]. - The company can provide guarantees to certain entities based on specific conditions, such as mutual guarantee needs or important business relationships [3]. - The company must not provide guarantees to applicants with poor financial conditions or legal issues [4][5]. Group 3: Risk Management and Execution - The finance department is responsible for daily management of external guarantees and must conduct feasibility studies and risk assessments [5][6]. - The board of directors must thoroughly investigate the financial and operational status of the guaranteed party before making decisions [5][6]. - Contracts for guarantees must be in writing and comply with legal requirements, detailing all necessary terms [10][11]. Group 4: Information Disclosure - The company must disclose approved guarantees on the Shanghai Stock Exchange and other media, including total guarantee amounts and relevant details [42][43]. - Timely disclosure is required if the guaranteed party fails to meet repayment obligations or faces severe financial difficulties [44]. Group 5: Penalties and Responsibilities - All directors must exercise caution and control over the risks associated with external guarantees, bearing joint liability for any losses incurred [45][46]. - The company must take protective measures against losses caused by the failure of related parties to repay guaranteed debts [46][47].