证券代码：300051 证券简称：琏升科技 公告编号：2025-060 琏升科技股份有限公司 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假 记载、误导性陈述或重大遗漏。 特别风险提示： 截至目前，琏升科技股份有限公司（简称"公司"）及子公司实际提供担保 总余额已超过公司最近一期经审计净资产100%，对资产负债率超过70%的单位担 保金额已超过公司最近一期经审计净资产50%，请投资者充分关注担保风险。 一、担保情况概述 公司于2024年7月8日在巨潮资讯网上披露了《关于控股子公司为其下属子公司 提供担保的公告》（公告编号：2024-073），控股孙公司眉山琏升光伏科技有限公 司（简称"眉山琏升"）因生产经营需要，拟向公司分批采购原材料、辅料。为支 持眉山琏升业务发展，公司控股子公司、眉山琏升控股股东天津琏升科技有限公司 （简称"天津琏升"）拟为本次交易提供连带责任保证担保，担保总额不超过2,000 万元（该担保额度在有效期内可滚动循环使用，最终实际担保总额不超过本次审批 的担保总额），该担保额度有效期限为本次交易主合同项下债务履行期限届满之日 起三年。根据眉山琏升生产经营需要，拟调整上述担 ...

Group 1 - The Deputy Governor of the Bank of England, Jon Cunliffe, stated that climate risks are beginning to be incorporated into asset pricing [1] - This shift indicates a growing recognition of the financial implications of climate change within the financial sector [1] - The integration of climate risk into asset pricing could lead to significant changes in investment strategies and risk assessments [1]

近期，湖南多家农商行推出的"养老贷"产品引发关注。这些产品凭借"办贷快、利率低、免担保"等优势 受到一定关注，贷款年化利率多在3.1%~3.45%之间。其贷款对象为银行辖内年龄不超过65周岁的城乡 居民，且资金仅能用于缴纳养老保险。贷款额度综合考量养老对象年龄、缴费档次和客户信用等级等因 素确定；贷款期限则依据借款对象年龄、缴费档次等综合判定，最长不超过15年，原则上借款人年龄与 借款期限之和不超过75周岁，且贷款不得展期。贷款资金会直接划转至借款人的社保账户，完成养老保 险补缴后，借款人到就近社保站或人社局办理活体认证，满60周岁即可开始领取待遇。 据最新消息，当地已有农商行的"养老贷"放贷规模超3000万元。 （文章来源：每日经济新闻） 此外，笔者认为，银行面临的道德拷问更值得重视。比如，当借款人病重或财产遭遇重大损失，迫切需 要养老金保障基本生活时，银行若依据不得展期的规定强行划走部分养老金，虽符合合同要求，却未必 能得到道德上的认可。 "养老贷"的可行性在于其利率低于缴存养老金的回报率。经测算，若趸交9万元、领取15年，养老金的 静态测算年化回报率约为3.84%。但这种由国家社保体系福利带来的较高回报 ...

Group 1 - The Deputy Governor of the Bank of England, Breeden, stated that climate risks are "real and tangible" [1] - The impact of climate change on inflation is "not very obvious" [1]

Core Viewpoint - The Deputy Governor of the Bank of England, Jon Cunliffe, emphasized that climate risks are "real and present," indicating a growing recognition of the financial implications of climate change [1] Group 1: Climate Risk Awareness - The Bank of England is actively addressing the financial risks associated with climate change, highlighting the need for financial institutions to incorporate climate risk into their risk management frameworks [1] - Cunliffe pointed out that climate change could lead to significant economic disruptions, affecting various sectors and potentially leading to financial instability [1] Group 2: Regulatory Implications - The Deputy Governor mentioned that regulatory measures are being considered to ensure that financial institutions adequately disclose their exposure to climate risks [1] - There is an ongoing discussion about the role of central banks in mitigating climate-related financial risks, suggesting a shift in regulatory focus towards sustainability [1]

美联储穆萨莱姆：非银行金融风险需要得到很好的监控。 ...

Group 1 - The core viewpoint emphasizes the need to pay attention to the downside risks in the labor market, particularly concerning declines in working hours and wages [1]

▼点击阅读原 文，免费学习大额家庭资产配置课程 文 | 银行螺丝钉 （转载请注明出处） ...

Core Viewpoint - The article emphasizes the risks associated with misleading advertising that induces online loans, highlighting the need for consumers to be vigilant and aware of potential financial traps [2][4][7]. Summary by Sections Inducement Tactics in Online Lending - The article outlines three main tactics used by fraudulent institutions to mislead consumers into online loans: 1. Confusing concepts to mislead loans, such as using terms like "installment payment" instead of "installment loan," which can lead to consumers signing contracts without fully understanding the terms [4]. 2. False promises to induce loans, where institutions make exaggerated claims about outcomes, such as guaranteed job placements or government grants, often leading to unfavorable contract terms for consumers [4]. 3. Concealing actual loan costs, where institutions promote low surface interest rates while hiding higher actual rates and additional fees, resulting in consumers paying much more than expected [5]. Consumer Protection Measures - The article advises consumers to reject enticing but misleading sales pitches and to be cautious when providing personal information [6]. - It encourages consumers to verify the legitimacy of institutions by checking their qualifications through official channels and to protect their personal information to avoid potential misuse [7]. - The article also mentions recent warnings from various financial regulatory bodies regarding illegal lending practices targeting vulnerable groups, such as students, and the need for consumers to be aware of the risks associated with third-party loan applications [8].

今年以来，ST股整体走势强劲，近期这种强势格局仍在延续。数据显示，万得ST板块指数今年以来累 计已上涨约15%，年内已有包括*ST宇顺、ST信通、*ST亚振、ST华通、ST迪威迅、*ST华微在内的多 只ST股累计涨幅超过100%。 一方面，回到ST公司的本源来看，相关公司普遍是因出现财务状况异常情况或者其他异常情况，导致 其股票存在被强制终止上市的风险，或者投资者难以判断公司前景，投资者权益可能受到损害，存在其 他重大风险，交易所对相关公司股票实施风险警示，由此给股票简称打上"ST"或"*ST"标识，起到警示 投资风险的作用。这意味着，ST股群体相较于其他多数股票，一般在基本面上就存在更大风险，这种 相对较差的基本面随时可能传导到股价层面。比如，对于一些ST公司而言，一旦导致其被实施风险警 示的因素进一步恶化，相关公司就有可能触及强制退市标准，从而使得相关公司股价面临更大压力。 另一方面，历史上ST股群体的整体表现也几经沉浮，并非长久不衰。事实上，回溯历史数据可以发 现，在今年之前，万得ST板块指数曾连续三年下跌，这从一个侧面说明ST股整体表现具有一定的趋势 性和波段性特征。一旦相关影响因素发生趋势性变化，S ...