登录新浪财经APP 搜索【信披】查看更多考评等级 来源：上海金融官微 各区小额贷款公司行业主管部门、本市各小额贷款公司： 为贯彻落实国家金融监督管理总局《小额贷款公司监督管理暂行办法》（金规〔2024〕26号），上海市 地方金融管理局制定了《上海市小额贷款公司消费者权益保护工作指引》《上海市小额贷款公司互联网 平台及产品信息报备工作指引》《上海市小额贷款公司金融产品投资工作指引》等三项配套制度。现予 以印发，请认真按照执行。 上海市地方金融管理局 2025年12月24日 各区承担小额贷款公司监督管理职责的部门按属地管理原则负责本辖区内小额贷款公司消费者权益保护 及相关投诉的具体办理工作，保护消费者合法权益。 上海市地方金融管理局、各区承担小额贷款公司监督管理职责的部门（以下统称地方金融管理部门）与 有关部门加强协同联动，探索合作开展小额贷款公司消费者权益保护监督检查、评估等具体工作。 第五条 上海小额贷款公司协会应当发挥行业自律作用，通过制定自律公约、推广合同示范文本、开展 培训宣传、健全非诉纠纷解决机制等方式，督促相关小额贷款公司规范消费者权益保护行为。 第二章 工作机制与管理要求 上海市小额贷款公司消费者 ...

Core Viewpoint - JOINN Laboratories (China) Co., Ltd. has announced the further subscription of structured deposit products from Jiangsu Bank, totaling RMB 440 million, which is expected to yield reasonable interest without adversely affecting the company's financial situation [1][5]. Summary by Sections Subscription of Financial Products - The company has subscribed to four structured deposit products from Jiangsu Bank, with the total investment amounting to RMB 440 million [1][4]. - The first product has an investment of RMB 150 million with an expected annual return rate of 0.1%–2.45%, maturing on May 22, 2025 [4]. - The second product involves an investment of RMB 60 million with an expected annual return rate of 1.60%–2.50%, maturing on December 27, 2025 [4]. - The third product has an investment of RMB 200 million with an expected annual return rate of 1.00%–2.56%, maturing on August 26, 2025 [4]. - The fourth product involves an investment of RMB 30 million with an expected annual return rate of 1.50% or 2.45%, maturing on November 23, 2025 [4]. Current Status - As of the announcement date, the company confirmed that all previously subscribed financial products have been redeemed according to their terms, except for the structured deposit products from Jiangsu Bank [5]. - The company believes that the structured deposit products will yield reasonable interest and will not negatively impact its financial condition [5]. Reasoning and Benefits for Subscription - The company aims to utilize excess cash in its capital account without affecting operational liquidity by subscribing to these structured deposit products, which offer higher interest rates compared to regular bank deposits [5]. - The structured deposit products are considered low-risk and are expected to provide better returns than typical commercial bank deposits in China [5].