周大生珠宝股份有限公司 对外担保公告

Core Viewpoint - The company plans to provide a guarantee for its franchisees in Heilongjiang Province to help them reduce financing costs and meet their operational procurement needs, thereby enhancing channel stability and sales capabilities [2][7][10]. Summary by Sections 1. Overview of Guarantee Situation - The company intends to sign a cooperation agreement with Guangfa Bank to recommend franchisee clients for loans, with a total loan limit not exceeding RMB 30 million [2]. - The loan proceeds will be specifically used for purchasing goods from Heilongjiang Hengrun Jewelry Co., Ltd., the company's designated supplier in the region [2]. 2. Guarantee Agreement Main Content - The maximum guarantee amount will be 10% of the total loan amount, capped at RMB 3 million [6]. - The guarantee period is set from December 1, 2025, to November 30, 2028 [6]. 3. Board of Directors' Opinion - The board believes that providing this guarantee aligns with the company's business development strategy and will positively impact the growth of the franchise business [7][10]. - The company has established a three-tier review mechanism to ensure the quality of clients eligible for loans, thereby reducing default risks [8]. 4. Risk Assessment and Mitigation Measures - The company will sign a counter-guarantee agreement with Hengrun Jewelry and its actual controllers to mitigate risks associated with the guarantee [9]. - A monitoring mechanism will be established to track the operational data of borrowing franchisees, allowing for timely risk alerts and adjustments to credit limits if necessary [9]. 5. Cumulative External Guarantee Amount - After this guarantee, the total external guarantee amount will account for 1.78% of the company's latest audited net assets, with no overdue guarantees or litigation issues reported [12].