晶华微: 晶华微融资与对外担保制度

Core Viewpoint - The document outlines the financing and external guarantee system of Hangzhou Jinghua Microelectronics Co., Ltd, aiming to standardize financing and guarantee behaviors, control risks, and protect financial security and investors' rights [1]. Financing Management System - Financing refers to indirect financing from financial institutions, including various forms such as credit loans and bank guarantees [1][2]. - The company’s financing and external guarantees are managed uniformly, requiring approval from authorized entities before any agreements are signed [2][3]. - The finance department is responsible for managing financing applications and must conduct preliminary reviews before submitting to authorized entities for approval [6][7]. - Specific procedures are established for financing approval based on the amount and type of financing, with different thresholds for board and shareholder approval [8][9]. External Guarantee Management System - External guarantees involve providing guarantees using the company's assets or credit for other entities, including subsidiaries [2][3]. - Guarantees must comply with relevant laws and regulations, and the board must carefully assess the risks associated with providing guarantees [17][18]. - The company must evaluate the creditworthiness of the entities receiving guarantees and ensure that proper collateral is provided [19][20]. - Approval for guarantees must be obtained from the board or shareholders, especially for significant amounts exceeding specified thresholds [22][23]. Risk Management - The finance department must monitor the financial health of guaranteed entities and report any issues promptly [36][38]. - Measures must be taken to recover debts if the company fulfills its guarantee obligations [41]. - The audit committee is responsible for overseeing guarantee-related internal controls and must communicate any anomalies to the board [37]. Responsibilities of Personnel - All directors must adhere to the established financing and guarantee procedures and are liable for any losses resulting from violations [42][43]. - Management personnel who exceed their authority in approving financing or guarantees may face legal consequences [43][44]. General Provisions - The total amount of external guarantees includes those provided to subsidiaries and must be disclosed in annual reports [44]. - The document is effective upon approval by the shareholders' meeting and can be modified as necessary [48].