夏日的靖西市区，商贸街区人群熙攘。6月15日傍晚，新靖镇幸福大道幸福广场综合楼二楼的壮族 人餐饮店里，已是宾客满堂。然而，就在几个月前，这家餐饮企业遇到了大难题。 "和几家大供货商的合同都签了，新菜品研发、店面升级、宣传推广，样样都要钱，可账上的钱转 不动了。"董事长黄璟说。这家主打民族文化品牌的餐饮企业，曾以独特风味和优质服务赢得口碑。但 去年下半年，随着餐饮市场复苏，新面孔不断涌入，竞争陡然加剧。 想要突围，全面升级势在必行。可一边是迫在眉睫的投入需求，一边是采购合同带来的短期巨大资 金压力，公司现金流骤然吃紧，陷入经营困境。 转机出现在去年8月，在靖西市人社局举办的一场招聘会上，关于"广西创业担保贷款"政策的宣传 展板吸引了黄璟。工作人员详细解释：这项政策旨在为创业者和小微企业"雪中送炭"，通过政府性融资 担保机构分担风险、国家财政给予利息补贴，切实降低融资门槛和成本。 黄璟当场向人社部门工作人员表明了公司困境和融资需求，并提交了贷款申请。靖西市人社局迅速 响应，高效完成了对公司经营状况和资格的审核。紧接着，依托部门与金融机构建立的"双向推送"机 制，这份带着企业迫切期盼的申请， 第一时间被推送到了合作 ...

山东华鹏玻璃股份有限公司 证券代码：603021 证券简称：ST 华鹏 公告编号：临 2025-036 公司本次拟通过委托贷款的方式融资 9,000 万元，融资期限 1 年，利率不超 过 6%，该笔融资用于偿还贷款或补充流动资金。同时，公司将部分资产抵质押 给约定的权利人，以获得其资金支持。本次拟将公司持有的山东华鹏石岛玻璃制 品有限公司 100%股权、以及公司下属子公司山东华鹏石岛玻璃制品有限公司坐 落于荣成市石岛龙云路 479 号 1 号楼抵（质）押给约定的权利人，权利人尚未确 定，具体情况以签订的相关合同或协议为准。董事会授权管理层在不构成关联交 易的前提下办理本次委托贷款业务。 表决结果：9 票同意，0 票反对，0 票弃权。 具体内容详见 2025 年 6 月 21 日刊登在《中国证券报》 《上海证券报》 《证券 第八届董事会第二十三次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性 陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 一、董事会会议召开情况 山东华鹏玻璃股份有限公司（以下简称"公司"）第八届董事会第二十三次会 议于 2025 年 6 月 1 ...

Summary of Key Points Core Viewpoint - Jiangsu Farsen Co., Ltd. is providing a guarantee for its subsidiary, Dalian Guotaiyuan Environmental Technology Co., Ltd., to support its operational development by securing a bank credit line of up to 50 million RMB [1][2]. Group 1: Guarantee Details - The company approved a guarantee for Dalian Guotaiyuan's bank credit at CITIC Bank, with a total amount not exceeding 50 million RMB and a guarantee period lasting three years after the debt maturity [1][2]. - Dalian Guotaiyuan's minority shareholder, Yang Jiajun, is providing a counter-guarantee, and the subsidiary's property is being used as collateral [1][2]. Group 2: Financial Data - As of December 31, 2024, the total assets of Dalian Guotaiyuan were 44,565.33 million RMB, with total liabilities of 33,683.71 million RMB and net assets of 10,881.62 million RMB [3]. - For the first quarter of 2025, the company reported an operating income of 1,282.68 million RMB and a net loss of 892.29 million RMB [3]. Group 3: Board Approval and Impact - The board of directors has approved the loan extension and guarantee, stating that it aligns with the company's operational and business development needs, benefiting all shareholders [6][7]. - The total amount of external guarantees provided by the company and its subsidiaries is 190 million RMB, with the new guarantee bringing the total balance to 72.0675 million RMB, which is 418.45% of the latest audited net assets [7].

Group 1 - The company, Jinglan Technology Co., Ltd., is providing a guarantee for a loan of up to 10 million RMB to its wholly-owned subsidiary, Indium Target Technology (Yunnan) Co., Ltd., with a loan term of 36 months and an interest rate not exceeding 4.5% [1][3] - The board of directors approved the guarantee and pledge for the loan with a unanimous vote of 7 in favor, complying with relevant regulations and not requiring shareholder approval [2] - The total external guarantee balance after this loan will be 89 million RMB, which represents 13.39% of the company's latest audited net assets as of December 31, 2024 [4] Group 2 - Indium Target Technology engages in various activities including metal casting, recycling, and technology services, indicating a diverse operational scope [2] - The company reported total assets of approximately 43.56 million RMB and a net profit loss of about 541,935.67 RMB for the audited period [3] - The chairman of the company, Ma Liyang, is also providing a personal guarantee for the loan, further securing the financial arrangement [3][4]

Summary of Key Points Core Viewpoint - Anhui Jinchun Nonwoven Fabric Co., Ltd. plans to provide a entrusted loan of RMB 50 million to Chuzhou Langya District State Control Development Group Co., Ltd. to enhance the efficiency of its own capital utilization while ensuring liquidity and fund safety [1][2]. Group 1: Loan Details - The entrusted loan will have a term of no more than 1 year with an annual interest rate of 4.9%, with monthly interest payments and principal repayment at maturity [1]. - The loan will be funded entirely from the company's own funds and will not involve raised funds [1][2]. Group 2: Approval Process - The loan has been approved by the company's fourth board of directors and supervisory board meetings, and does not require shareholder approval [1][2]. Group 3: Borrower Information - Chuzhou Langya District State Control Development Group Co., Ltd. has total assets of RMB 694.51 million and liabilities of RMB 403.92 million as of March 31, 2025, with a net profit of RMB 776.10 million [2][4]. - The company is a wholly state-owned enterprise under the supervision of the Chuzhou Langya District Finance Bureau [2][3]. Group 4: Guarantor Information - Chuzhou Langya State-owned Assets Operation Co., Ltd. will provide joint liability guarantee for the entrusted loan [3][4]. - The guarantor has total assets of RMB 1.23 billion and net assets of RMB 460.51 million as of March 31, 2025 [4]. Group 5: Impact on the Company - The entrusted loan is expected to have no adverse impact on the company's future financial status and operating results, and is beneficial for improving the efficiency of capital utilization [1][5]. - The company has previously provided entrusted loans totaling RMB 4.7 million, which have been repaid [6]. Group 6: Risk Management - The borrower has the capacity to fulfill obligations, and the guarantor's strong asset position mitigates risks associated with the loan [5]. - The company will monitor the borrower's operational status and take necessary measures to control risks [5].

Core Viewpoint - The Loan Prime Rate (LPR) remains unchanged for June 2025, with the 1-year LPR at 3% and the 5-year LPR at 3.5%, reflecting market expectations and the stability of policy rates [1][4]. Group 1: LPR and Monetary Policy - The LPR was last adjusted in May 2025, where both the 1-year and 5-year LPRs were reduced by 10 basis points [4]. - Factors influencing the stability of the LPR include the expectation of steady policy rates and ongoing pressure on bank interest margins [4][5]. - The People's Bank of China (PBOC) emphasizes the importance of a smooth monetary policy transmission mechanism and aims to lower the overall financing costs in the economy [5][6]. Group 2: Banking Sector Performance - As of the end of Q1 2025, the net interest margin of commercial banks has decreased to a historical low of 1.43%, down 9 basis points from the previous quarter [4]. - The decline in net interest margins across various types of banks indicates a challenging environment for profitability and growth [5]. - The pressure on banks' interest margins is expected to limit the potential for further LPR reductions in the near term [5][6]. Group 3: Future Outlook - The potential for further LPR adjustments in the second half of 2025 remains, with expectations of additional monetary easing depending on domestic and international economic conditions [5][6]. - The focus of future monetary policy may shift towards reducing non-interest costs and enhancing the overall financing environment for businesses and households [6].

证券代码：600828 证券简称：茂业商业 编号：临 2025-027 号 茂业商业股份有限公司关于公司及关联方 为全资子公司贷款提供担保暨关联交易公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性 陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带 责任。 重要内容提示： ? 被担保人名称:茂业商业股份有限公司（以下简称"公司"、"本公司"） 全资子公司深圳茂业百货有限公司（以下简称"深圳茂业百货"）； ? 本次担保金额及已实际为其提供的担保余额：本次担保金额12,000万元 人民币, 累计已为其提供的担保金额为30,000元人民币（不含本次）； ? 本次担保是否有反担保:无； ? 对外逾期担保:无； ? 本公司控股股东之全资子公司深圳茂业投资控股有限公司（以下简称"茂 业投资"）、本公司实际控制人控制下的深圳茂业(集团)股份有限公司（以下简称 "茂业集团"）拟为深圳茂业百货本次贷款提供担保，构成本公司之关联交易。 根据《上海证券交易所股票上市规则》，上市公司无偿接受关联人提供担保，可 免于按照关联交易的方式审议和披露； ? 本事项无需提交公司股东大会审议。 一、担保情况概 ...

增量政策方面，最大的可能是落实前期提出的"设立新型政策性金融工具"，用作项目资本金，进而提振 投资。 6月20日，中国人民银行授权全国银行间同业拆借中心公布，2025年6月20日贷款市场报价利率（LPR） 为：1年期LPR为3.0%，5年期以上LPR为3.5%。在上月双双下调10bp之后，6月均维持不变。 多位业内人士分析称，6月LPR不变符合市场预期，短期内将进入政策观察期，LPR报价有可能继续保 持稳定。 6月LPR为何维持不变？ 6月LPR报价维持不变，主要源于两方面原因。一是近期政策利率持稳，二是银行息差继续承压，LPR 继续下调受限。 6月政策利率保持不变，影响LPR报价加点的因素也没有发生重大变化。中国民生银行首席经济学家温 彬分析，当前，国内外形势发生了一定变化，使得短期内国内货币政策再度加码的必要性不强，政策利 率预计持稳，LPR报价也会维持稳定。 伴随5月降准落地、存款挂牌利率再度下调，商业银行负债成本得以继续改善，但存款定期化、长期化 趋势日益加剧，约束了存款成本的下降幅度。数据显示，2025年4月，居民和企业定期存款的占比分别 达到74.3%和74%，呈不断上升态势。此外，前期对公存款和 ...

Group 1 - The company held its 15th meeting of the 9th Board of Directors on June 20, 2025, with all 7 directors present, confirming compliance with legal regulations and company bylaws [1] - The board approved an adjustment to the bank merger loan plan, allowing the company to pay at least 319 million RMB from its own funds and up to 1.277 billion RMB through bank loans, increasing the loan amount from the previous plan [2] - The company plans to apply for the merger loan from several banks, including Bohai Bank, Industrial Bank, and China Minsheng Bank, with the final terms subject to bank approval [2] Group 2 - The board's voting results showed unanimous support for the proposal, with 7 votes in favor and no opposition or abstentions [3]

欧盟同意将欧洲投资银行的贷款限额提高到1000亿欧元。 ...