Core Points - The document outlines the financing and external guarantee system of Jiangsu Hanbang Technology Co., Ltd, aiming to regulate financing and guarantee behaviors, control risks, and protect financial safety and investors' rights [1][2][3] Group 1: General Principles - The financing referred to in the document includes indirect financing from financial institutions, such as comprehensive credit, working capital loans, fixed asset loans, and other forms [1][2] - External guarantees are defined as the company providing guarantees, pledges, or other forms of security for third parties, including its subsidiaries [2][3] - The company must follow approval and authorization procedures as per its articles of association and the established system for external guarantees [2][3] Group 2: Financing Management System - The finance department is responsible for managing financing applications from various departments and subsidiaries, conducting preliminary reviews, and submitting them for approval [3][4] - Financing amounts up to 10 million RMB require approval from the general manager's office, while amounts exceeding this threshold or 50% of the latest audited net assets require board approval [3][4][5] - Detailed reports must be submitted for financing applications, including the financial institution's name, amount, purpose, repayment plan, and asset-liability status [4][5] Group 3: External Guarantee Management - External guarantees must comply with relevant laws and regulations, and the company should seek counter-guarantees from the guaranteed party [6][7] - The company must conduct credit assessments of the guaranteed parties, ensuring they are legally established, have repayment capacity, and possess good profitability [6][7] - Guarantees exceeding 10% of the latest audited net assets or 50% of total assets require board and shareholder approval [8][9] Group 4: Risk Management and Responsibilities - The finance department must monitor the financial status of guaranteed parties and report any risks or defaults promptly [12][14] - All directors are responsible for reviewing financing and guarantee matters according to the established system and may face liability for violations [14][15] - The document emphasizes the need for written guarantee contracts and proper risk management procedures to protect the company's interests [10][11][12]

Core Viewpoint - The document outlines the financing and external guarantee system of Hangzhou Jinghua Microelectronics Co., Ltd, aiming to standardize financing and guarantee behaviors, control risks, and protect financial security and investors' rights [1]. Financing Management System - Financing refers to indirect financing from financial institutions, including various forms such as credit loans and bank guarantees [1][2]. - The company’s financing and external guarantees are managed uniformly, requiring approval from authorized entities before any agreements are signed [2][3]. - The finance department is responsible for managing financing applications and must conduct preliminary reviews before submitting to authorized entities for approval [6][7]. - Specific procedures are established for financing approval based on the amount and type of financing, with different thresholds for board and shareholder approval [8][9]. External Guarantee Management System - External guarantees involve providing guarantees using the company's assets or credit for other entities, including subsidiaries [2][3]. - Guarantees must comply with relevant laws and regulations, and the board must carefully assess the risks associated with providing guarantees [17][18]. - The company must evaluate the creditworthiness of the entities receiving guarantees and ensure that proper collateral is provided [19][20]. - Approval for guarantees must be obtained from the board or shareholders, especially for significant amounts exceeding specified thresholds [22][23]. Risk Management - The finance department must monitor the financial health of guaranteed entities and report any issues promptly [36][38]. - Measures must be taken to recover debts if the company fulfills its guarantee obligations [41]. - The audit committee is responsible for overseeing guarantee-related internal controls and must communicate any anomalies to the board [37]. Responsibilities of Personnel - All directors must adhere to the established financing and guarantee procedures and are liable for any losses resulting from violations [42][43]. - Management personnel who exceed their authority in approving financing or guarantees may face legal consequences [43][44]. General Provisions - The total amount of external guarantees includes those provided to subsidiaries and must be disclosed in annual reports [44]. - The document is effective upon approval by the shareholders' meeting and can be modified as necessary [48].

Core Viewpoint - The document outlines the financing and external guarantee management system of Sichuan Dawi Technology Co., Ltd, aiming to regulate financing activities, control risks, and protect the financial safety and legal rights of shareholders [1]. Financing Management - Financing refers to indirect financing activities primarily from banks, including various forms such as comprehensive credit, working capital loans, and bill financing [1]. - The financial department is responsible for managing financing applications and conducting preliminary reviews before submitting them for approval [2]. - The company can approve single financing amounts up to 5% of the latest audited net assets or cumulative amounts up to 10% if the asset-liability ratio does not exceed 70% [2][3]. - Financing applications must include detailed reports, including the financial institution's name, amount, term, purpose, repayment source, and asset-liability status [3][4]. External Guarantee Management - External guarantees involve providing guarantees, mortgages, or pledges for third parties, and must be approved by the board of directors or shareholders [1][5]. - The company must analyze the credit status of the guaranteed party and ensure that the guarantee is backed by sufficient collateral [5][6]. - Guarantees exceeding 10% of the latest audited net assets or total guarantees reaching 50% of the latest audited net assets require shareholder approval [6][7]. Risk Management and Execution - The financial department is responsible for daily management of financing and guarantees, ensuring compliance with approved contracts [9][10]. - If a guaranteed debt is not repaid, the company must pursue recovery from the guaranteed party after fulfilling its guarantee obligations [10][11]. - The company must disclose financing and guarantee activities in accordance with relevant laws and regulations [30][31]. Responsibilities and Amendments - All directors must strictly review financing and guarantee matters and bear joint liability for any losses due to violations [32][33]. - The board of directors is responsible for revising and interpreting the financing and guarantee management system, which takes effect upon approval by the shareholders [34][35].