莱斯信息: 莱斯信息融资与对外担保管理办法

Core Points - The document outlines the financing and external guarantee management measures of Nanjing Lais Information Technology Co., Ltd, aiming to regulate financing activities and control associated risks to protect financial security and investors' rights [1][2] Group 1: Financing Management - Financing refers to indirect financing activities primarily from banks, including various forms such as credit, loans, and guarantees [1] - The finance department is responsible for managing financing applications, conducting preliminary reviews, and submitting them for approval [5][6] - Financing applications must include details such as the financial institution's name, financing amount, purpose, repayment source, and a feasibility report for specific loans [6][8] Group 2: External Guarantee Management - External guarantees must be based on a thorough credit assessment of the guaranteed party, which should have independent legal status and strong repayment capability [9] - The finance department also manages external guarantee applications, requiring comprehensive documentation for approval [4][5] - Guarantees exceeding 10% of the latest audited net assets or involving high debt ratios require board or shareholder approval [5][6] Group 3: Risk Management and Execution - After approval, contracts must be signed within seven days, and any delays require re-approval [7][8] - The finance department is tasked with ongoing monitoring of the guaranteed party's financial status and must report any significant adverse changes to the board [8][9] - In case of default by the guaranteed party, the company must take necessary remedial actions and pursue recovery of any liabilities incurred [9][10] Group 4: Information Disclosure and Responsibilities - The company must fulfill information disclosure obligations regarding financing and guarantees as per relevant laws and regulations [9][10] - All directors are responsible for reviewing financing and guarantee matters in accordance with the established procedures and may face liability for any violations [10][10]