人民银行宣布自5月8日起下调个人住房公积金贷款利率0.25个百分点后，存量公积金贷款利率如何调整 备受关注。据证券时报记者不完全统计，目前已有北京、上海、深圳、广州、长沙、西安、宁波、南 京、昆明、哈尔滨、银川、河南等多地发布通知落实下调公积金贷款利率新政，其中多地明确了存量房 贷利率调整政策。 5月8日，北京住房公积金管理中心发布公告，5月8日（含）之后新发放的贷款，5年以下（含5年）和5 年以上首套个人住房公积金贷款利率分别为2.1%和2.6%，5年以下（含5年）和5年以上第二套个人住房 公积金贷款利率分别为2.525%和3.075%。 对于存量公积金贷款利率，北京住房公积金管理中心表示，5月8日（不含）以前发放的，期限在一年 （含一年）以内的个人住房公积金贷款，5月8日后仍执行原利率，不分段计息；期限在一年以上的个人 住房公积金贷款，5月8日后仍执行原利率，自明年1月1日（含）开始，执行调整后的个人住房公积金贷 款利率。 记者注意到，大部分地方公告的存量公积金贷款利率调整政策为5月8日前发放的贷款统一到2026年1月1 日再执行调降后的利率，北京政策表述略有不同，做了"期限一年"以内和以上的区分。 "其 ...

Group 1 - In May, the social financing scale increased by 2.29 trillion yuan, with a year-on-year increase of 224.7 billion yuan, and new RMB loans amounted to 620 billion yuan [1] - The broad money supply (M2) grew by 7.9% year-on-year, which is 0.9 percentage points higher than the same period last year, indicating a strong financial growth relative to nominal economic growth [1] - The narrow money supply (M1) increased by 2.3% year-on-year, reflecting a significant acceleration in the growth of "liquid money," which is expected to boost market confidence and economic activities [1] Group 2 - The net financing of government bonds accelerated in May, reaching 1.46 trillion yuan, while local governments issued 443.2 billion yuan in new special bonds, marking a new high for the year [2] - The net financing of corporate bonds exceeded 140 billion yuan in May, with a decline in the average yield of AAA-rated corporate bonds, encouraging companies to increase bond financing [2] - Despite a lower scale of new RMB loans compared to the same period last year, the RMB loan balance grew by 7.1% year-on-year, indicating stable loan growth [2] Group 3 - In May, nearly 530 billion yuan in new RMB loans were issued to the corporate sector, supported by a recent interest rate cut that boosted loan demand [3] - The residential sector saw an increase of nearly 54 billion yuan in new RMB loans, reflecting a recovery in the local real estate market [3] - The increased financing through government and corporate bonds is expected to substitute for bank loans, as local governments prefer using special bonds for project funding [3]

7月2日，广州住房公积金管理中心（以下简称" 广州 公积金中心"）就《广州商业性个人住 房贷款转住房公积金个人住房贷款实施办法（暂行）》（征求意见稿）（以下简称《征求意 见稿》）向社会公开征求 意见，征求意见时间从7月2日至7月11日。 广州推动"商转公贷款"政策实施是为充分发挥住房公积金制度支持保障作用，减轻缴存人 住房贷款利息负担，促进社会消费。 广州拟明确，当住房公积金个人住房贷款率（以下简称"个贷率"）低于75%时启动商转公 贷款。 个贷率低于75%可启动"商转公" 《征求意见稿》显示，商业性个人住房贷款转住房公积金个人住房贷款（以下简称"商转公 贷款"），是指缴存人申请将其在广州市住房公积金贷款承办银行尚未结清的商业性个人住 房贷款（以下简称"商业贷款"）余额，全部转为住房公积金个人住房贷款（以下简称"公积 金贷款"）。 申请商转公贷款时，除符合广州市住房公积金贷款相关规定外，还应同时符合八个条件： 当个贷率低于75%时启动商转公贷款；当个贷率达到85%及以上时可采取防控措施，包括 但不限于实行商转公贷款额度管控、预约申请等措施；当个贷率达到90%及以上时暂停。 本办法实施过程中， 广州 公积金中心 ...

然而，由于该项目业主企业在海南成立时间较短，投建的PBST项目建设规模大、链条长，项目依 然存在超8000万元的资金缺口。 2024年8月，国开行海南分行组建内部风控专家与外部行业权威联合专家组，从技术、市场、财务 等多维度对项目进行全面"体检"，通过多维度的论证分析，最终制定出风险可控、契合企业需求的融资 方案。 国开行海南分行再贷款政策精准支持项目建设 引金融"活水"浇产业新花 海报集团全媒体中心记者 林师炜 今年4月，全球首套6万吨/年连续生产PBST生物可降解材料工业示范项目在儋州洋浦投料试车并成 功产出合格产品，实现了海南生物降解塑料产业链的新跨越。而其背后，离不开国家开发银行海南省分 行(以下简称国开行海南分行)依托国家科技创新和技术改造再贷款政策工具的精准支持。 2024年3月，国务院印发《推动大规模设备更新和消费品以旧换新行动方案》，国开行海南分行围 绕服务"两新"政策落地，参考政府部门推送的项目清单，对标国家科创技改再贷款项目重点支持领域， 设立科技创新和技术改造专项贷款攻坚小组，并组织团队深入多家企业开展"一对一"走访调研。 在多次摸排和梳理后，位于儋州洋浦的精细化工项目慢慢走进国开行海南 ...

今日导读 1. 在智谱开放平台产业生态大会上，智谱宣布浦东创投集团和张江集团对智谱总额10亿元的 战略投资，并于近期完成首笔交割。 3、记者7月2日从国家网信办获悉，近期，国家网信办组织开展"清朗·优化营商网络环境—整治涉企网 络'黑嘴'"专项行动，部署地方网信办积极受理处置涉企网络侵权不法行为，督促重点网站平台强化涉 企信息内容管理，从严从快处置一批涉企违法违规账号。国家网信办通报了部分典型案例，包括："柴 怼怼"等账号编造涉企虚假不实信息，恶意诋毁攻击企业；"孟栖笔谈"等账号发布涉企负面信息，谋取 非法利益；"车说道"等账号蹭炒涉企热点，发布虚假不实信息；"物联网咨询室"等账号散布企业商业 秘密，传播虚假不实信息；"兴德旺业"等账号冒用企业、企业家身份，开展市场营销等。 4、 7月2日，广州住房公积金管理中心（以下简称" 广州 公积金中心"）就《广州商业性个人住房贷款 转住房公积金个人住房贷款实施办法（暂行）》（征求意见稿）（以下简称《征求意见稿》）向社会 公开征求 意见，征求意见时间从7月2日至7月11日。 广州推动"商转公贷款"政策实施是为充分发挥住 房公积金制度支持保障作用，减轻缴存人住房贷款利息负 ...

智通财经7月3日早间新闻精选 1、外交部发言人7月2日宣布，国务院总理李强将应邀于7月5日至8日赴巴西里约热内卢出席金砖国家领 导人第十七次会晤。应埃及总理马德布利邀请，国务院总理李强将于7月9日至10日对埃及进行正式访 问。 2、证监会党委近日召开扩大会议，会议强调，始终把维护市场稳定作为监管工作首要任务，推动健全 常态化稳市机制安排，平稳有序防控债券违约、私募基金等领域风险，为资本市场高质量发展创造更加 良好的环境。 3、据智通财经获悉，2025年6月A股新开户165万户，同比增长53%，远超去年同期开户水平。上半年A 股累计新开1260万户。 4、广州拟出"商转公贷款"政策，当住房公积金个人住房贷款率低于75%时启动商转公贷款，当个贷率 达到85%及以上时可采取防控措施，当个贷率达到90%及以上时暂停。 5、据智通财经获悉，6月底国产盐湖钾肥60%氯化钾产品较上月上调100元/吨，叠加运费，已经逼近今 年2、3月份的年内高点。 10、瑞康医药公告，董事、董秘及副总裁李喆被采取留置措施。 11、海南高速公告拟购买交控石化51%股权，预计构成重大资产重组。 12、天赐材料公告，子公司向永太科技等提起商业秘密 ...

Summary of Key Points Core Viewpoint - The company, ChipLink Integrated Circuit Manufacturing Co., Ltd., is providing a guarantee for a loan application by its subsidiary, ChipLink Pioneer, to ensure its daily operational needs and reduce financing costs through cooperation with a policy bank [1][4]. Group 1: Guarantee Overview - ChipLink Pioneer plans to apply for a one-year working capital loan of RMB 400 million from the Zhejiang Branch of the National Development Bank, with the company providing a guarantee of up to RMB 400 million [1]. - The guarantee will cover all debts, including principal, interest, penalties, and reasonable expenses incurred to realize the creditor's rights [1]. Group 2: Internal Decision-Making Process - The company's board of directors approved the guarantee on July 1, 2025, and it does not require submission to the shareholders' meeting for approval [2]. Group 3: Financial Overview - As of March 31, 2025, the total assets of the company were approximately RMB 14.32 billion, with total liabilities of about RMB 5.50 billion, resulting in net assets of approximately RMB 8.82 billion [3]. - The company reported a revenue of approximately RMB 321.75 million and a net loss of approximately RMB 239.85 million for the same period [3]. Group 4: Necessity of the Guarantee - The guarantee is deemed necessary to support the daily operations of ChipLink Pioneer, which is a stable and continuously operating subsidiary of the company [4]. - The board believes that the risks associated with the guarantee are manageable and will not harm the interests of the company or its shareholders [4]. Group 5: Cumulative Guarantee Information - As of June 24, the company had a total external guarantee balance of approximately RMB 1.49 billion, which includes a joint liability guarantee of RMB 1.2 billion for ChipLink Pioneer [5]. - There are no overdue guarantees or litigation-related guarantees reported [5]. Group 6: Sponsor's Review Opinion - The sponsor, Guotai Junan Securities Co., Ltd., has reviewed the guarantee and found that the approval process complies with relevant regulations and does not harm the interests of the company or minority shareholders [5].

Core Viewpoint - The company announced a commission loan of 310 million yuan to its subsidiary, Luoyang Yian Mining Co., Ltd., with a one-year term and an interest rate of 6% [1][2]. Group 1: Commission Loan Overview - The commission loan amount is 310 million yuan, with a term of one year and an interest rate of 6% [1]. - The loan is guaranteed by the company's controlling shareholder, Yimai Coal Industry Group Co., Ltd., and Yian Mining's shareholder, Wanjiholding Group Co., Ltd., at a ratio of 50.5% and 49.5% respectively [1][2]. - The loan aims to meet the daily operational funding needs of Yian Mining, ensuring its normal production and operation [5]. Group 2: Approval Procedures - The loan proposal does not require approval from the company's shareholders' meeting according to the Shanghai Stock Exchange listing rules and the company's articles of association [2]. Group 3: Yian Mining Basic Information - Yian Mining was established on February 21, 2006, with a registered capital of 332.5985 million yuan [2]. - The company is primarily engaged in coal mining and related services, with a recent audited revenue of 501.938 million yuan for 2024 and a net profit of 2.8482 million yuan [2][4]. Group 4: Guaranteeing Entities - Yimai Coal Industry Group Co., Ltd. has a registered capital of 4.21758 billion yuan and reported a net loss of 1.5934738 billion yuan for 2024 [4][5]. - Wanjiholding Group Co., Ltd. has a registered capital of 619.4 million yuan, with a revenue of 2.003765 billion yuan for 2024 and a net profit of 191.66 million yuan [4][5]. Group 5: Impact on the Company - The commission loan will not affect the company's normal operations as it is funded by the company's own resources, and the overall risk is controllable [5]. - The company will monitor Yian Mining's operational and financial conditions closely to manage any potential risks associated with the loan [5]. Group 6: Loan History - As of the announcement date, the company has provided a total of 320 million yuan in commission loans to Yian Mining, with no overdue amounts reported [5].

7月2日，广州住房公积金管理中心发布征求意见稿，拟实施商业性个人住房贷款转住房公积金个人住房贷 款（以下简称"商转公贷款"）政策，当公积金个人住房贷款率（以下简称"个贷率"）低于75%时可启动商转 公贷款。 值得注意的是，只有纯商贷的自住房、唯一住房才能满足商转公贷款的条件，申请时原商业贷款已放款5年以 上可转为纯公积金贷款。 业内人士认为，广州此次拟实施商转公贷款政策，有明显的降成本、促消费的政策意图。 广州拟实施"商转公贷款"政策 7月2日，广州住房公积金管理中心发布公告，对《广州商业性个人住房贷款转住房公积金个人住房贷款实施办 法（暂行）》（征求意见稿）公开征求意见。 四是贷款房屋已取得房地产权属证书。 对于出台新政的原因，广州住房公积金管理中心表示，是为充分发挥住房公积金制度支持保障作用，减轻缴存 人住房贷款利息负担，促进社会消费。 实施办法提出，缴存人申请将其在广州市住房公积金贷款承办银行尚未结清的商业贷款余额，当个贷率低于 75%时启动商转公贷款；当个贷率达到85%及以上时可采取防控措施，包括但不限于实行商转公贷款额度管 控、预约申请等措施；当个贷率达到90%及以上时暂停。本办法实施过程中，广州住 ...

为何广州在下半年一开始就为重磅政策征求意见？广东省城规院住房政策研究中心首席研究员李宇嘉认 为出于以下考量：其一，此前国家提出"更大力度推动房地产市场止跌回稳"，广州作为重点城市需要储 备新的政策；在传统政策"应出尽出"的情况下，公积金池子水位仍在高位，使商转公成为地方政府的可 选工具。其二，近期广州楼市有转弱的迹象，近两个月广州二手房交易套数降至1万套以下，同比涨幅 收窄，新房成交同比下滑，去化周期拉长；房价环比跌幅有扩大的迹象，麟评大数据显示，6月广州二 手房价环比跌0.7%，同比跌4.9%。(21财经) ...