11月25日晚，富森美（002818）(002818.SZ)公告披露，公司副总经理、董事会秘书张凤术被监察部门 立案调查并实施留置措施，此前，富森美董事长刘兵于2025年7月被监察部门留置。 富森美公告称，公司于近日收到四川崇州市监察委员会签发《立案通知书》和《留置通知书》，对公司 副总经理、董事会秘书张凤术立案调查并实施留置措施。因张凤术在留置期间不能履行董事会秘书职 责，根据相关规定，暂由副总经理、财务总监王鸿代行董事会秘书职责。目前，公司已对相关工作进行 了妥善安排。 富森美主营家居卖场业务，主要布局在四川省内，以自营模式为主，截至2024年年末，富森美自营卖场 规模超125万平方米，入驻商户数量3500余户。仅在成都就有富森美家居1、2、3馆，以及城西店等。此 外富森美位于成华区的城北建材城营业面积高达36万平方米。 据公开资料，现年57岁的刘兵从经营建材起家，1998年起先后创办成都市富森木业工贸有限公司、郫县 富森木业有限公司及富森美等企业。现任四川省家居品牌商会会长、四川省个体私营经济协会副会长、 全国工商联家具装饰业商会常务会长等职。 据上市公司披露，目前刘兵为富森美实控人、董事长，直接持有上 ...

Core Insights - The article discusses the convenience and features of microloans, specifically focusing on WeBank's microloan product, WeiliDai, which stands out due to its "no collateral, rapid approval" characteristics [1][2]. Summary by Sections WeiliDai Features - WeiliDai is a bank product that is safe and regulated, with transparent interest rates. Users can access it through WeChat and QQ, and it does not have a standalone app. The loan application process is entirely online, requiring no collateral or paper documents, with approval typically within 10 seconds and funds disbursed in as little as 1 minute [2]. WeiliDai Interest Rates - The interest for WeiliDai is calculated daily, using the formula "remaining unpaid principal × daily interest rate × number of borrowing days." The annual interest rate for 2025 ranges from 3% to 23.76%, translating to a daily interest rate between 0.0083% and 0.066%. The minimum interest rate is determined by the system based on a comprehensive assessment, and cannot be altered manually [4]. WeiliDai Repayment Methods - WeiliDai offers three repayment methods: - Automatic repayment, where the system deducts the owed amount on the due date, requiring sufficient balance in the bank account to avoid overdue payments. - Manual repayment, which can be done if automatic deduction fails. - Early repayment, which incurs no fees, with interest calculated only up to the day before the loan is settled. However, early repayment must be for the full amount, as partial early repayments are not allowed [5]. Strategies for Lower Interest Rates - To obtain the lowest interest rates, users are advised to: - Maintain a good credit reputation by repaying on time. - Pay attention to promotional activities announced through official WeiliDai channels. - Plan borrowing amounts and repayment terms carefully to avoid excessive borrowing that increases costs [5]. Important Reminders - WeiliDai operates on an official invitation basis, and any claims of "paid activation" or "forced credit increases" are scams. Loan funds can only be disbursed to the borrower's debit card, emphasizing the importance of account security. The minimum interest rate is based on a comprehensive credit assessment and cannot be manually adjusted [7].

Group 1 - Increasing interest from Chinese financial technology companies in Bangladesh as a potential market due to its large population and significant income disparity [1][2] - Chinese companies are shifting focus from saturated markets like Mexico to explore opportunities in smaller countries like Bangladesh [1] - The Grameen Bank model, founded by Muhammad Yunus, has established a strong foundation for microfinance in Bangladesh, making it familiar to local consumers [3][8] Group 2 - Bangladesh's financial regulatory framework includes a central bank and various regulatory bodies overseeing different financial sectors, including microfinance [10][12] - The Microcredit Regulatory Authority (MRA) oversees 599 microfinance institutions, ensuring transparency and accountability in microcredit activities [14][18] - The MRA has established regulations similar to those in China, including limits on interest rates and strict penalties for unlicensed operations [18] Group 3 - Bangladesh has a well-developed mobile financial services (MFS) infrastructure, which has seen rapid growth since its introduction in 2011 [20] - The bKash app, often referred to as "Bangladesh's Alipay," is a leading player in the MFS market and has partnered with Ant Group to offer unsecured microloans [22] - The presence of various e-commerce platforms in Bangladesh supports the integration of mobile payment solutions, enhancing the overall financial ecosystem [23] Group 4 - Bangladesh is open to foreign investment, allowing 100% foreign ownership in most sectors, with specific regulations for controlled industries [24] - The ICT/software sector is highlighted as a priority area for foreign investment, potentially offering opportunities for Chinese fintech companies [25] - Bangladesh's demographic profile, with a young population and a growing economy, presents a favorable environment for investment [26][27]