瑞财经 严明会 近期，成都莱普科技股份有限公司（以下简称：莱普科技）科创板IPO获受理，保荐机构为中信建投，保荐代表人为王志伟、陈忱，会计师 事务所为致同会计师事务所。 莱普科技的前身莱普有限成立于2003年12月，初始注册资本500万元，由东骏激光有限、曾滔勇分别持股90%、10%。 穿透可知，莱普科技实际上是由东莞市东骏集团有限公司（下称"东骏集团"）着手建立。 曾滔勇是东骏集团的实际控制人，该公司主营钢材、金属材料、五金交电等黑色金属及矿石批发业务。截至目前，东骏集团对外投资10家公司并控制6家关 联企业，涉及房地产开发、物业管理、实业投资等领域，东骏激光有限就是其中之一。 莱普科技董事会成员名单为：叶向明、毛冬、傅建伟、黄永忠、王晓峰、王晓礼、曹昱、蔡芸、黎明。 其中，东骏投资由叶向明、毛冬分别持股50%，两人为莱普科技共同实际控制人，也均出身于东骏集团，叶向明曾担任东骏集团副经理，毛冬曾为东骏集团 经理、执行董事。目前，叶向明还担任东骏激光董事、东骏投资总经理；毛冬为东骏投资执行董事。 此外，东莞聚慧由叶向明的弟弟叶向忠以及另外一名叶姓成员叶玉冰分别持有31.3%、24.98%份额。 自2022年以 ...

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证券日报网讯 华光新材11月20日在互动平台回答投资者提问时表示，公司资产负债率为60%左右，公 司综合考量实际经营情况，多渠道选择债权融资和股权融资相结合的融资方式。 ...

Core Viewpoint - The People's Bank of China and 12 departments have issued a plan to enhance financial support for consumption in Beijing, focusing on developing equity financing to address funding challenges across different stages of consumption enterprises [1][2]. Group 1: Financial Support and Equity Financing - The plan aims to facilitate equity financing for quality enterprises in the consumption industry through methods such as public listings and "New Third Board" listings [2][3]. - As of November 19, 18 consumer companies have gone public this year, raising a total of 19.8 billion yuan, with a significant number from the automotive sector, indicating a trend of consumption structure upgrading and technological innovation [2][6]. Group 2: Long-term Capital and Investment - The plan emphasizes the need for long-term and patient capital to support long-cycle consumption industries like cultural tourism and health care, which require stable funding over extended periods [4][5]. - Long-term capital is characterized by a higher risk tolerance and a long-term outlook on returns, which can help companies navigate transformation and development phases [5][6]. Group 3: Comprehensive Financing Support System - The plan establishes a comprehensive equity financing support system for consumer enterprises, covering all stages from seed to maturity, enabling production, channel, and terminal enterprises to expand capacity and enhance brand influence [6][7]. - This system aims to resolve financing bottlenecks and create a positive feedback loop between capital and the consumption market, ultimately strengthening the foundational role of consumption in the economy [7].

Core Viewpoint - The People's Bank of China and 12 other departments have issued a plan to enhance financial support for consumption in Beijing, focusing on developing equity financing to address funding challenges across different stages of consumption enterprises [1][2]. Group 1: Financial Support for Consumption - The plan aims to facilitate equity financing for quality enterprises in the consumption industry through methods such as public listings and "New Third Board" listings [2][4]. - As of November 19, 18 consumer companies have gone public this year, raising a total of 19.8 billion yuan, with a significant number from the automotive sector, indicating a shift towards consumption structure upgrades and technological innovation [2][5]. Group 2: Long-term Capital Support - The plan emphasizes the need for long-term and patient capital to support long-cycle consumption industries like cultural tourism and health care, which require stable funding over extended periods [4][5]. - Experts suggest that optimizing exit channels and improving assessment mechanisms are crucial for attracting long-term investments from insurance funds and pension funds [4][5]. Group 3: Comprehensive Financing System - The initiative establishes a comprehensive equity financing support system for consumer enterprises, covering all stages from seed to maturity, enabling production, channel, and terminal enterprises to enhance their capabilities [5][6]. - This system is expected to stimulate market vitality by increasing the number of quality consumer companies listed, thereby attracting more investors and fostering a positive interaction between capital and the consumption market [5][6].

Core Viewpoint - The company, Yachuang Electronics, indicated that its accounts receivable have increased alongside the expansion of its business scale, while maintaining a moderate to high level of asset-liability ratio compared to industry peers [1] Group 1 - The company's accounts receivable has increased due to business expansion [1] - The asset-liability ratio is at a moderate to high level within the industry [1] - The company has sufficient cash on hand to support daily operations without adverse effects [1] Group 2 - The company maintains good relationships with banks and financial institutions, ensuring smooth financing channels [1] - The company can obtain funding support through diversified means [1] - The issuance of shares for asset acquisition will help further reduce the company's asset-liability ratio [1]

Core Viewpoint - The article outlines a comprehensive plan by the People's Bank of China and 12 other departments to enhance financial support for consumption in Beijing, aiming for significant improvements in financial services by 2030, particularly in sectors like accommodation, dining, cultural tourism, education, and elder care [5][6]. Summary by Sections Overall Goals - The plan aims to elevate the financial service level in Beijing's consumption sector by 2030, focusing on increasing loan balances and credit support in key areas such as accommodation, dining, cultural tourism, education, and elder care [6]. Key Areas of Financial Support - **Consumer Credit Support**: Emphasis on increasing auto loans, optimizing financial products for various purchasing scenarios, and promoting green consumption through financial incentives [7]. - **Cultural and Sports Consumption**: Financial institutions are encouraged to innovate financing models and increase credit for cultural and sports events, leveraging Beijing's status as a cultural center [8]. - **Accommodation and Dining Services**: Support for creating unique dining and cultural experiences, with financial incentives for businesses to enhance consumer engagement [9]. - **Elder Care and Domestic Services**: Financial institutions are urged to collaborate with service providers to offer tailored financial services for domestic workers and elder care facilities [9]. - **Infrastructure and Trade Systems**: Financial support for upgrading commercial infrastructure and optimizing loan conditions for businesses in the consumption sector [10]. Supporting Consumer Demand - **Employment and Income Support**: Initiatives to lower financing costs for small and micro enterprises, enhancing their capacity to create jobs [10]. - **Services for the Elderly**: Financial institutions are encouraged to develop services tailored to the elderly population, including payment solutions and dedicated financial products [11]. - **Foreign Consumer Services**: Enhancements in payment services for foreign visitors, including expanding the use of foreign cards and optimizing payment processes [11]. Enhancing Financial Institution Services - **Credit Support**: Financial institutions are urged to provide differentiated and convenient financial services, focusing on the consumption sector's diverse needs [12]. - **Bond Market Financing**: Encouragement for companies in cultural, tourism, and education sectors to issue bonds to raise funds [12]. - **Equity Financing**: Support for quality enterprises in the consumption industry to raise funds through equity markets [12]. Policy Coordination - **Monetary Policy**: Implementation of supportive monetary policies to encourage lending in key consumption sectors [13]. - **Fiscal Policy**: Introduction of interest subsidy policies to lower financing costs for consumers and service providers [14]. - **Insurance System**: Development of insurance products tailored to the needs of the elderly and low-income groups [14]. Financial Environment Optimization - **Payment Environment**: Initiatives to enhance the payment experience for consumers, including the promotion of digital currency [15]. - **Consumer Rights Protection**: Establishment of mechanisms to protect consumer rights and enhance financial literacy [16]. Organizational Support - **Coordination and Evaluation**: Strengthening collaboration among financial departments and relevant authorities to ensure effective implementation of the plan [17]. - **Experience Sharing**: Financial institutions are encouraged to share best practices and promote awareness of financial support policies [17].

Core Insights - The People's Bank of China Beijing Branch, along with 12 other departments, issued an implementation plan to support the expansion of consumption in Beijing, aiming to enhance financial services in the consumption sector by 2030 [1][2] Group 1: Financial Support for Consumption - The implementation plan emphasizes the need for quality enterprises in the consumption industry to finance through public offerings and "New Third Board" listings [1] - It aims to increase the loan balance for sectors such as accommodation, catering, cultural tourism, education, and elderly services, while enhancing the quality and efficiency of personal consumption financial services [1] - The plan sets a goal to establish a diversified consumption financial service system to support Beijing's development as an international consumption center [1] Group 2: Credit Support and Financial Products - The plan calls for increased credit support for consumer goods, particularly in the automotive sector, by optimizing loan issuance ratios, terms, and interest rates [2] - Financial institutions are encouraged to innovate financial products tailored to various car purchasing scenarios, including first-time purchases and trade-ins, with a focus on electric vehicles [2] - There is a push for financial institutions to meet consumer demand in areas like home appliances, green smart home renovations, and electronics through various promotional activities [2] Group 3: Equity Financing and Investment - The plan supports equity financing for quality enterprises in the consumption industry through public listings and private equity investments [2] - It encourages social capital to invest in key service consumption areas, utilizing "long-term capital" and "patient capital" to meet the financing needs of long-cycle consumption industries [2] - The role of private equity and venture capital funds is highlighted to increase investments in seed and early-stage enterprises [2]

总体目标方面，实施方案提出，力争到2030年北京市消费领域金融服务水平进一步提升，北京市住宿餐 饮、文旅体育、教育、居民服务等服务消费和养老产业贷款余额持续增长、信贷投放力度不断加大，个 人消费金融服务质效不断提升，金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服 务体系基本建成。 实施方案明确，加大商品消费信贷支持力度。积极开展汽车贷款业务，合理确定贷款发放比例、期限和 利率，适当减免汽车以旧换新过程中提前结清贷款产生的违约金。引导金融机构针对首次购买、以旧换 新、二手车等不同购车场景优化创新金融产品，加大对汽车特别是新能源汽车消费的金融支持力度。鼓 励金融机构积极满足家电以旧换新、绿色智能家居家装、电子产品等领域消费金融需求，通过多种形式 参与商家促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 在扩大消费供给方面，实施方案提出，发挥信贷支持主渠道作用。辖内各银行、消费金融公司、汽车金 融公司等金融机构要找准自身功能定位，发挥自身优势，为消费领域提供差异化、特色化、便捷化的金 融服务。鼓励辖内银行加大对服务消费领域内部资金转移定价支持，创新优化服务消费领域信贷产品， ...

Core Viewpoint - The People's Bank of China and 12 other departments have issued a plan to enhance and expand consumption in Beijing, aiming for improved financial services in various sectors by 2030 [1] Financing Support - The plan emphasizes increasing bond market financing for qualified enterprises in cultural, tourism, and education sectors [3] - It encourages equity financing for quality enterprises in the consumption industry through public listings and other means [3] - Social capital is urged to invest more in key service consumption areas, with a focus on private equity and venture capital for early-stage companies [3] Consumer Services Enhancement - The plan aims to enrich financial services in the accommodation and dining sectors, promoting local brands and unique cultural experiences [4] - Financial institutions are encouraged to collaborate with service providers to offer diverse consumer discounts and incentives [4] Automotive and Electronics Financing - The plan proposes to enhance financial support for automotive loans, particularly for new energy vehicles, and to optimize financing products for various purchasing scenarios [5][6] - It also encourages financial institutions to meet consumer financing needs in home appliances and electronic products [6] Support for Small and Micro Enterprises - The plan highlights the importance of reducing financing costs for small and micro enterprises, with a focus on job creation and entrepreneurship [7] - It supports innovative financial services for sectors like domestic services and elderly care, aiming to lower entry costs for service workers [7] Insurance System Improvement - The plan seeks to enhance the insurance system by developing long-term care insurance and personal pension products tailored to the needs of the elderly [8] - It promotes the expansion of commercial health insurance and encourages innovative insurance products for low-income groups [8]