上海微创心脉医疗科技（集团） 股份有限公司 融资与对外担保制度 二零二五年八月 上海微创心脉医疗科技（集团）股份有限公司 融资与对外担保制度 第一章 总则 第一条 为了规范上海微创心脉医疗科技（集团）股份有限公司（以下简称 "公司"）的融资与对外担保行为，有效控制公司融资风险和担保风险，保护 公司财务安全和投资者的合法权益，根据《中华人民共和国公司法》（以下简 称"《公司法》"）、《中华人民共和国证券法》（以下简称"《证券法》"）、 《上海证券交易所科创板股票上市规则》、《上市公司监管指引第8号——上市 公司资金往来、对外担保的监管要求》等相关法律、法规的规定及《上海微创 心脉医疗科技（集团）股份有限公司章程》（以下简称"《公司章程》"）之 规定，并结合公司实际情况，特制订本管理制度。 第二条 本制度所称融资，是指公司向以银行为主的金融机构进行间接融资 的行为，主要包括综合授信、流动资金贷款、固定资产贷款、信用证融资、票 据融资和开具保函等形式。 公司直接股权融资行为不适用本制度。 第三条 本制度所称对外担保，是指公司为他人提供的担保，包括公司对控 股子公司的担保。 第四条 公司为自身债务提供担保不适用本制度 ...

Core Points - The document outlines the financing and external guarantee management system of Xiamen Yanjing New Materials Co., Ltd, aiming to regulate financing and guarantee activities, control risks, and protect financial security and investor rights [1][2] - The financing refers to indirect financing from financial institutions, while external guarantees include providing guarantees for others, including subsidiaries [1][2] - The system emphasizes principles of prudence, equality, mutual benefit, voluntariness, and integrity in financing and guarantees [2] Financing Approval Process - The finance department is responsible for managing financing applications, which must be reviewed and approved according to specified authority levels based on the company's audited financial status [7][8] - Approval limits are set based on the company's asset-liability ratio, with different thresholds for financing amounts requiring approval from the general manager, chairman, or board of directors [8][9] - Applications for financing must include comprehensive details such as the financial institution's name, amount, term, and intended use of funds [9][10] External Guarantee Conditions - Before providing guarantees, the company must assess the creditworthiness of the guaranteed party and analyze the associated risks and benefits [11][12] - Guarantees must be backed by counter-guarantees from parties with actual capacity to fulfill obligations [12][13] - Certain guarantees require board approval and may need shareholder approval if they exceed specified thresholds related to the company's net assets [14][15] Risk Management and Execution - The finance department is tasked with the daily management of financing and guarantees, ensuring compliance with approval processes and timely reporting of contracts [19][20] - The company must monitor the financial status of guaranteed parties and take necessary actions if repayment capabilities deteriorate [26][27] - Any changes to the main debt contracts must be decided by the board regarding the continuation of guarantee responsibilities [11] Information Disclosure - The company is required to disclose relevant information regarding financing and guarantees in accordance with legal and regulatory requirements [28][29] - The board secretary is responsible for ensuring timely submission of documents related to financing and guarantees [29] Responsibilities of Personnel - All directors must strictly review financing and guarantee matters according to the established system and bear joint liability for any losses due to violations [30][31] - Management personnel who exceed their authority in approving financing or guarantees may face legal consequences for any resulting losses [31][32]