■■■ 关于对外担保进展的公告 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。 二、相关议事规则修订情况 公司《股东大会议事规则》《董事会议事规则》内容根据《公司章程》进行相应修订，《股东大会议事 规则》变更为《股东会议事规则》，修订后的《股东会议事规则》《董事会议事规则》全文详见上海证 券交易所网站（www.sse.com.cn）。 因删减、合并和新增部分条款，《公司章程》中原条款序号和引用条款序号按修订内容相应调整。除上 述条款修订及不影响条款含义的字词调整外，《公司章程》其他条款不变。该事项尚需提交公司股东大 会审议，并提请股东大会授权管理层负责办理《公司章程》备案等具体事宜。本次《公司章程》修订最 终以市场监督管理部门核准的内容为准。 特此公告。 浙江正泰电器股份有限公司董事会 2025年4月30日 证券代码：601877 证券简称：正泰电器 公告编号：临2025-023 浙江正泰电器股份有限公司 重要内容提示： ●被担保人：浙江正泰电器股份有限公司（以下简称"公司"或"正泰电器"）全资子公司浙江正泰新能源 开发有限公 ...

来源：各地金融监管官网及互联网公开信息 微信公众号【商业保理资讯】 归类整理 财经资讯 ●商务部：推动"三增三减" "真金白银"支持外贸企业 国务院新闻办公室4月28日举行新闻发布会。商务部副部长盛秋平在发布会上介绍，对外贸企业将加 大"真金白银"的支持力度，推动"三增三减"。"三增"就是政府增加财政资金的投入、金融机构增加信贷 支持、保险机构增加内贸险的支持。"三减"就是推动减免困难企业的房屋租金、展位费、流量费，降低 外贸企业内销成本。（新华社） ●1—3月全国发行地方政府债券超2.8万亿元 财政部今天发布2025年3月地方政府债券发行和债务余额情况。1—3月，全国发行地方政府债券28421亿 元。3月地方政府债券平均发行期限17.3年，其中一般债券8.9年，专项债券19.2年；平均发行利率 2.09%，其中一般债券1.91%，专项债券2.14%。截至3月末，地方政府债券剩余平均年限10.0年，其中一 般债券5.9年，专项债券12.2年；平均利率2.99%，其中一般债券3.08%，专项债券2.95%。（财政部） 行业资讯 ●全国首家商业保理行业商事调解组织成立 4月28日下午，上海市浦东新区商同商事调解中 ...

Group 1 - The core event is the establishment of strategic partnerships between Pinggu District and three banks, with a total credit of 10 billion yuan allocated to support agricultural high-tech, logistics, and leisure industries [1] - The "1+4" policy framework aims to create a comprehensive financial service network covering industrial chain upgrades, logistics hub construction, live e-commerce cultivation, and the integration of agriculture, culture, and tourism [1][2] - The event promotes new financial service models tailored to the characteristics of the capital and Pinggu, focusing on innovation in rural revitalization [1] Group 2 - The four special plans emphasize the integration of industrial chains, optimization of supply chains, digital breakthroughs, and scenario-based fusion [2] - Pinggu District will explore a "chain leader + fund empowerment" model to support 15 industrial chains, enhancing government financing guarantees and risk-sharing mechanisms [2] - A five-in-one supply chain financial service system will be established, including financial institutions, financing service providers, logistics service providers, digital warehouse receipt registration platforms, and government supply platforms [2] Group 3 - Pinggu District will provide multi-level, full-cycle financial support services through five models, including "four-in-one" industry-finance collaboration and "one industry, one policy" specialized credit [3]

Group 1 - The core initiative is to establish a financial service innovation demonstration zone for rural revitalization in Pinggu District, with an action plan for 2025-2027 [1][2] - By 2027, the agricultural loan scale in Pinggu is expected to reach 10 billion yuan, with a goal to cultivate at least two agricultural listed companies [2][3] - Strategic partnerships have been formed with three banks, each providing credit of 10 billion yuan focused on high-tech agriculture, logistics, and leisure industries [2][3] Group 2 - Financial support will be directed towards the high-quality development of supply chains, logistics, live e-commerce, and the integration of agriculture and culture [3] - Pinggu will implement a comprehensive supply chain financial service system, integrating financial institutions, service providers, and government platforms [3] - A digital service platform for "culture and tourism + finance" will be established, introducing innovative financial products such as loans for homestay clusters and tourism consumption vouchers [4]

4月23日，中国人民银行在新闻发布会上介绍了《上海国际金融中心进一步提升跨境金融服务便利化行 动方案》的相关情况。副行长陆磊指出，借由《行动方案》的发布，央行将不断充实和完善跨境金融服 务政策工具箱，以构建一个更加贴合外向型经济需求的金融体系。此举旨在进一步增强上海国际金融中 心的竞争力与影响力。 【金融监管总局完善银行业高管任职资格管理】 金融监管总局发布《银行业金融机构董事（理事）和高级管理人员任职资格管理办法》，将于2025年6 月1日实施。该办法详细规定了任职资格条件、核准程序、金融机构的责任、监管机构的监管职责及法 律责任等内容，并明确了取消相关责任人任职资格的具体情形。 【澳门推出《2025年中小企业银行贷款利息补贴计划》】 澳门特区政府推出了《2025年中小企业银行贷款利息补贴计划》，旨在提高中小企业的资金流动性并减 轻其资金压力。符合条件的企业可在指定期间内向澳门持牌银行申请用于企业运营的资金贷款，并享受 贷款利息补贴。该计划规定了贷款金额上限、补贴期限及年补贴率上限等具体条款。 【央行等部门：支持在沪银行通过供应链金融更好服务长三角等地区"走出去"企业】 【央行宣布将持续优化跨境金融服务政策 ...

Group 1: Financial Performance - In 2024, the bank maintained steady operational performance with revenue and net profit growth, and asset scale exceeded 200 billion yuan [1] - The non-performing loan ratio and amount both decreased, enhancing risk resistance capabilities [1] - By the end of 2024, the balance of green loans reached 3.415 billion yuan, with a growth rate higher than the average loan growth of the bank [2] Group 2: ESG and Sustainable Development - The bank has been improving its ESG information disclosure system, focusing on governance, high-quality financial services, and green low-carbon development [2] - Future plans include enhancing ESG governance transparency and communication with investors to boost market recognition and trust [2] Group 3: Key Strategic Initiatives - The bank has made breakthroughs in five key areas: technology finance, green finance, inclusive finance, elderly finance, and digital transformation [3] - Over 1,000 technology enterprises received loans exceeding 10 billion yuan, covering over 80% of high-tech enterprises [3] - The bank's supply chain loans increased by 110.35% year-to-date, with the number of clients growing by 88.2% [4] Group 4: Digital Transformation and User Experience - The bank is enhancing digital transformation by building a technology information center and optimizing online product processes [4] - An intelligent risk control system has been launched to improve user experience and risk management for online products [5] Group 5: Rural Revitalization and Financial Support - The bank is innovating financial services for rural revitalization, including tailored credit products and digital service platforms [5] - Future efforts will focus on increasing credit resources and enhancing the financial service system for rural industries [5]

Core Insights - Minsheng Bank has launched the "Minsheng E-Chain" forfaiting automatic disbursement service, significantly enhancing the efficiency and convenience of financing for enterprises [1][2] - The bank is a pioneer in the digitalization of domestic letter of credit products, allowing enterprises to complete the entire process online without leaving their premises [1][3] Digital Innovation in Products - The "Minsheng E-Chain" electronic letter of credit forfaiting feature allows enterprises to apply for domestic forfaiting business online, with automatic processing and intelligent approval, reducing processing time to as little as 10 minutes [2] - The bank's electronic letter of credit supports various operational scenarios, including "buyer pays interest," "agent submission," and "batch submission," enhancing service flexibility [1][3] Tailored End-to-End Service Solutions - Minsheng Bank is focused on providing customized electronic letter of credit solutions for various industries, including large commodity trading, construction, and utility payments, by collaborating with key enterprises like State Grid and Southern Power Grid [3] - The bank aims to standardize, customize, and streamline supply chain financial services, helping enterprises alleviate cash flow pressures and reduce financing costs [3] - The bank's transaction banking department emphasizes a customer-centric approach and plans to continue enhancing supply chain financial services through digital financial solutions [3]

每经记者 李玉雯 每经编辑 张益铭 记者从农行浙江分行获悉，截至3月末，该行普惠贷款余额在全国同业一级分行中首家突破5000亿元， 服务客户超31万户。 农行浙江分行相关负责人在媒体通气会上用"融得到""融得快""融得易""融得稳"四个词来阐述这5000亿 元的普惠贷款背后的驱动力。 记者了解到，该行对普惠客户单列信贷规模，下放信贷审批权限，简化审批流程，以提升贷款可得性。 自去年10月支持小微企业融资协调工作机制启动以来，该行加力开展"千企万户大走访"，确保普惠客 户"融得到"。截至3月末，农行浙江分行小微企业授信户数、授信金额、放款户数、放款金额均居省内 同业第一。 通过强化科技赋能，丰富外部数据来源，接入政府部门数据源，嵌入政务平台、电商平台，实现小微企 业线上申贷"一次都不跑"，确保客户"融得快"。同时，推动产品服务创新，以满足科创、民生等领域各 类经营主体多元金融需求，让更多企业"融得易"。 封面图片来源：视觉中国-VCG211390665395 近年来，为了鼓励银行更好地支持小微企业发展，监管允许银行机构在落实普惠信贷不良容忍度监管政 策的基础上合理确定不良容忍度。农行浙江分行工作人员告诉《每日经 ...

Core Insights - Digital finance is emerging as a new trend in supporting rural revitalization, with banks leveraging digital technologies to enhance service efficiency and reach [1] - The integration of digital financial services with agricultural needs is crucial for addressing long-standing challenges in rural finance [1] Group 1: Digital Financial Innovations - Banks are increasingly adopting digital solutions to support agriculture, with initiatives like the "Smart Animal Husbandry Loan" improving livestock management and financing options [2] - The Industrial and Commercial Bank of China has launched a "Digital Countryside" platform, collaborating with local agricultural departments to integrate financial services with rural digital services [3] - Innovative products such as online loans and biological asset digital supervision platforms are being developed to meet the financing needs of rural businesses [3] Group 2: Supply Chain Financial Solutions - Supply chain finance is becoming essential for agricultural enterprises facing financing difficulties due to lack of collateral [4] - The Bank of China has introduced an electronic warehouse receipt pledge model to facilitate financing for grain trade enterprises, utilizing technologies like IoT and blockchain [4] - This innovation addresses challenges in financing by streamlining processes and enhancing the efficiency of agricultural supply chain financial services [5] Group 3: Future Potential of Digital Finance - The "Digital Countryside Development Action Plan (2022-2025)" aims for significant progress in rural digitalization by 2025, including enhanced connectivity and digital governance [6] - Banks are encouraged to explore new digital financial models to improve service quality and efficiency for rural areas [6] - Digital financial products offer shorter loan approval times and better service experiences, catering to the unique financing needs of rural stakeholders [7]

Core Viewpoint - The article discusses the dramatic downfall of Hong Jiu Fruit, once a leading player in China's fruit industry, highlighting the criminal charges against its founder and executives for loan fraud and tax evasion, leading to a staggering decline in market value from 600 billion to 27.95 billion HKD, a drop of over 95% [1][2]. Group 1: Company Background - Hong Jiu Fruit was founded by Deng Hong Jiu in 2002, who initially started his career selling fruits after facing significant hardships in his childhood [4][7]. - The company expanded rapidly, capitalizing on market opportunities, including the introduction of seedless watermelons and imported fruits, achieving sales of 1.5 billion in its early years [9][10]. Group 2: Growth and Expansion - By 2017, Hong Jiu Fruit had established itself as a major player, with significant investments and partnerships, including a new fruit wholesale market in Chongqing and multiple rounds of financing totaling over 10 billion [14][15]. - The company reported a revenue increase from 20 billion in 2019 to 150 billion in 2022, marking a growth of over 7 times in four years [15]. Group 3: Financial and Operational Issues - Despite impressive growth figures, the company faced serious financial scrutiny, with allegations of financial fraud surfacing, particularly regarding a suspicious increase in prepayments to shadow suppliers [16][20]. - The company's operational model, which relied heavily on high turnover and leverage, became unsustainable, leading to a significant increase in prepayments that did not align with its revenue growth [20][21]. Group 4: Conclusion and Implications - The collapse of Hong Jiu Fruit serves as a cautionary tale about the risks of rapid expansion driven by capital without solid operational foundations, reflecting broader challenges in China's new consumption sector [21][22]. - The case illustrates the potential pitfalls of financial manipulation in industries characterized by high waste and low standardization, emphasizing the need for rigorous oversight and sustainable business practices [21].