11月7日，在武汉市委金融办指导下，武汉市融资担保联合体（"汉联担"）在武汉市正式成立。据了 解，作为武汉担保行业资源整合与机制创新的关键载体，武汉市融资担保联合体（"汉联担"）由武汉融 担公司牵头，携手湖北省科担、湖北省中小担、光谷科担、国创担保、创业担保、中喆担保六家骨干担 保机构组建而成，旨在整合政府、银行、担保、园区等多方资源，构建"政策协同、风险共担、资源共 享、产品共创"的融资服务新体系。 相关数据显示，试运行半年来，武汉市融资担保联合体（"汉联担"）已累计服务企业超1300家，担保金 额突破25亿元，实现了良好开局。 会上，武汉市委金融办负责人指出，以融资担保为代表的普惠金融，在破解中小企业融资难题、引导金 融活水精准滴灌方面发挥着重要作用，新型政银担业务规模近200亿元、同比增长30%。 中经记者 张家振 武汉报道 "今年前三季度，武汉市GDP同比增长5.6%，新登记经营主体47.9万户，存贷款总量达9.5万亿元。"这是 《中国经营报》记者在武汉市融资担保联合体（"汉联担"）发布会上了解到的最新数据。 （武汉市融资担保联合体发布会现场。受访者/图） 上述负责人表示，武汉市融资担保联合体（"汉联 ...

21世纪经济报道记者吴文汐 武汉报道11月7日，在武汉市委金融办的指导下，武汉市融资担保联合体 （下称"汉联担"）正式成立。21世纪经济报道记者从会上获悉，试运行半年来，"汉联担"已累计服务企 业超1300家，担保金额突破25亿元。 当前，武汉正着力建设金融协同生态。会上数据显示，今年前三季度，武汉市GDP同比增长5.6%，新 登记经营主体47.9万户，存贷款总量达9.5万亿元。其中，以融资担保为代表的普惠金融，在破解中小企 业融资难题、引导金融活水精准滴灌方面发挥着重要作用，武汉新型政银担业务规模近200亿元、同比 增长30%。 据了解，作为武汉担保行业资源整合与机制创新的关键载体，"汉联担"由武汉融担公司牵头，携手省科 担、省中小担、光谷科担、国创担保、创业担保、中喆担保等六家担保机构组建而成，旨在整合政府、 银行、担保、园区等多方资源，构建"政策协同、风险共担、资源共享、产品共创"的融资服务新体系。 据相关负责人介绍，未来，"汉联担"将完善产品矩阵、建设智慧担保体系，推动金融业务标准化、规模 化、数字化发展，助推科技创新与产业创新的深度融合，为打造"五个中心"、建设现代化大武汉提供坚 实金融支撑。 一直 ...

Core Points - Shenzhen Municipal Financial Management Bureau announced an increase in registered capital for Shenzhen Financing Guarantee Fund Co., Ltd. from approximately 1.942 billion to 2.142 billion yuan, marking an increase of 200 million yuan [1] - The company is a government-backed financing re-guarantee institution fully funded by the Shenzhen Municipal Finance Bureau [1] - The legal representative, chairman, and general manager position has changed from Li Lin to Cai Yasha, who has a long history in the Shenzhen financial system [1] - The company has abolished its supervisory board and removed five supervisors from their positions [1] Company Changes - Registered capital increased from approximately 1.942 billion yuan to 2.142 billion yuan, an increase of 200 million yuan [1] - Change in leadership with Cai Yasha appointed as the new legal representative, chairman, and general manager [1] - Abolishment of the supervisory board and removal of five supervisors [1]

极目新闻记者 刘闪 11月7日，在武汉市委金融办的指导下，武汉市融资担保联合体（"汉联担"）发布会成功举办。武汉市委金融办、市财政局、市科创局、市中小企业发展促 进中心、省再担保集团、武汉投控集团、联投资本、武汉农商行、工商银行武汉分行等相关政府部门、金融机构、产业园区、投资机构及企业客户代表约 150人，共同见证武汉金融协同生态建设的重要里程碑。 现场举行"汉联担"揭牌仪式，集中发布系列创新服务产品，并举行多轮签约仪式，进一步夯实合作根基，精准对接企业融资需求。 60汉联担 同心聚力共担新程 → 武汉市融资担保联合体成立宣言 一 湖北·武汉 2025年11月 1 脱胎于普惠担保体系 3级 国家-省-市县 2 规划于《海北省科技融资担保 （体系建设实施方案） 国担基金~省再担保~直担 机构~银行~地方政府 5方 (鄂政办发〔2022〕19号》 4222分险模式 资本金补充、风险补偿、 保费补助和业务奖补 名单推荐制 4补 创新担保模式 式认可感染用眼合做公 2022年5月5日 5亿元 5名 7个 50 案 省再担保出资 注册资本金 在职员工 高学历、年轻化、专业化 班子成员 提级管理 暂 @ 汉联担 普惠金融 ...

Core Insights - The establishment of "Han Lian Dan" marks a new phase of collaboration and innovation in the Wuhan guarantee industry, aiming to enhance financial services for small and micro enterprises [1][4] - During its six-month trial operation, "Han Lian Dan" has served over 1,300 enterprises with a total guarantee amount exceeding 2.5 billion yuan [5] Group 1: Industry Background - Historically, guarantee companies in the Wuhan region have faced challenges in collaboration, with low levels of information sharing and a lack of a unified communication platform [4] - The business models and product offerings of local guarantee companies have been relatively homogeneous, primarily focusing on traditional loan guarantees, leading to intense competition and limited innovation [4] Group 2: Economic Context - In the first three quarters of the year, Wuhan's economic output grew by 5.6%, with 479,000 new registered business entities and total deposits and loans reaching 9.5 trillion yuan [4] - The scale of new government-bank guarantee business approached 20 billion yuan, reflecting a 30% year-on-year growth [4] Group 3: Operational Mechanism - "Han Lian Dan" utilizes joint guarantees, mutual guarantees, and reinsurance to provide comprehensive financial services, including financing guarantees and non-financing guarantees [4] - The initiative leverages big data technology to enable real-time sharing and updating of enterprise credit information, project resources, and risk assessment data, thereby breaking down information silos and supporting cross-regional business cooperation [4]

Core Insights - The issuance of the "Hua'an-Xingtai Leasing-Data Asset Supporting Intellectual Property ABS" marks the first data asset-backed securities (ABS) product aimed at supporting innovation-driven enterprises in industrial parks, with a coupon rate of 1.86% [1] - The Shanghai Stock Exchange (SSE) has supported Xingtai Holdings in issuing a total of 5 ABS products, amounting to 1.783 billion yuan, targeting various enterprises including small and medium-sized enterprises (SMEs) and technology firms [1][2] - The "Xingtai Model" leverages data empowerment to create risk profiles for enterprises, enhancing the credibility of investments in ABS products [2][3] Group 1: ABS Product Development - The ABS products developed by Xingtai Holdings effectively activate diverse existing assets across financing leasing, commercial factoring, micro-loans, and financing guarantees [2] - The ABS products are designed to provide a comprehensive risk control model for debtors, utilizing a "Research Value Score" to help investors assess repayment capabilities [2][3] - The knowledge property ABS products have facilitated financing for nearly 100 technology firms, converting over 270 high-value patents into financial resources [4] Group 2: Market Impact and Future Prospects - The ABS "Xingtai Model" is seen as a significant tool for cultivating new productive forces in Hefei and serves as an effective channel for capital market support for local development [5] - The SSE's initiatives align with the broader financial strategy to enhance technology finance, green finance, and inclusive finance, contributing to high-quality economic development [6][7] - The ongoing evolution and replication of the ABS "Xingtai Model" are expected to enable more enterprises to utilize asset securitization tools to revitalize existing assets and attract low-cost capital for real economy development [7]

Group 1 - Hong Kong Stock Exchange data shows that on November 5, Zhongying Shengda Financing Guarantee (01543) shareholders transferred stocks from Jiejiao Securities to Manhao Securities, with a transfer market value of HKD 13.5 million, accounting for 9.02% [1] - Zhongying Shengda Financing Guarantee announced that on November 3, 2025, the board was informed by Foshan Financial Investment Holdings Co., Ltd. (the company's single largest and major shareholder) that it intends to transfer a total of 60 million shares of its equity in the company [1] - The transfer will be conducted publicly in the property market, and after the transfer, Foshan Financial Investment will remain the company's single largest and major shareholder, holding approximately 24.1558% of the company's issued share capital directly and indirectly as of the announcement date [1]

Group 1 - The core point of the article is the transfer of shares by a major shareholder of Zhongying Shengda Financing Guarantee, indicating a significant movement in the company's stock ownership structure [1] - On November 5, the stock of Zhongying Shengda Financing Guarantee was transferred from Jiejiao Securities to Manhao Securities, with a market value of HKD 13.5 million, representing 9.02% of the total shares [1] - The company announced that on November 3, 2025, its board was informed by Foshan Financial Investment Holdings, the largest single shareholder, about the intention to transfer a total of 60 million shares of its domestic shares in the company [1] Group 2 - Following the transfer, Foshan Financial Investment will remain the largest single shareholder, holding approximately 24.1558% of the company's issued share capital directly and indirectly as of the announcement date [1]

Core Insights - The article highlights the resurgence of high-interest short-term online loans, with annualized interest rates exceeding 2000% for some borrowers [3][7][19] - Borrowers are facing issues with "head-cutting interest" and excessive fees from multiple guarantee companies, raising concerns about the legality and transparency of these practices [1][19][22] Group 1: Loan Characteristics - Recent reports indicate that borrowers are encountering short-term loans with extremely high-interest rates, reminiscent of the "714 high-interest loans" previously exposed by media [3][19] - Specific cases show that borrowers received significantly less than the amount borrowed due to immediate deductions by guarantee companies, leading to annualized rates of 1132.65% and 2200.86% for different individuals [7][9] Group 2: Guarantee Companies' Role - The article discusses the involvement of licensed financing guarantee companies in these high-interest loan schemes, which are allegedly charging excessive fees under the guise of providing guarantees [2][19] - The financing guarantee companies are described as having a dual role in the loan process, acting as both guarantors and fee collectors, which raises questions about their compliance with regulations [12][19] Group 3: Regulatory Environment - The article references the "Assisted Loan New Regulations" that aim to regulate the fees charged by guarantee companies and set a cap on interest rates, indicating a shift towards stricter oversight in the industry [46][47] - Complaints against financing guarantee companies have surged, with issues such as unauthorized deductions and high-interest rates being frequently reported by borrowers [48] Group 4: Borrower Protections - The article suggests that borrowers should retain all documentation related to their loans and consider filing complaints with regulatory authorities to protect their rights [49] - Legal avenues are also recommended for borrowers facing excessive interest rates, emphasizing the importance of understanding their rights under the law [49]

Core Insights - Recent reports indicate that borrowers are facing exorbitant annualized interest rates exceeding 2000% through short-term online loans, with additional fees charged by multiple guarantee companies [1][2][3] - The phenomenon of "double guarantee" involving licensed financing guarantee companies has resurfaced, raising concerns about the legality and ethics of these lending practices [1][8] Group 1: Loan Characteristics - Borrowers are experiencing "high-interest" online loans with terms as short as 7 to 14 days, reminiscent of the previously exposed "714 high-interest loans" [2][12] - Specific cases reveal that borrowers like Zhao Ming and Qian Xiao received only a fraction of their loan amounts after immediate deductions by guarantee companies, leading to annualized interest rates of 1132.65% and 2200.86% respectively [3][5][12] Group 2: Guarantee Companies' Role - Financing guarantee companies such as Liaoning Guoxin Financing Guarantee Co. and Zhongrong Guoyuan Financing Guarantee Co. are involved in these transactions, often deducting significant amounts from the loan as "guarantee fees" [8][11] - These companies are licensed entities under local financial regulations, yet their practices raise questions about compliance with legal standards regarding loan interest and fees [11][12] Group 3: Regulatory Environment - The "Assisted Loan New Regulations" implemented in October 2025 aim to regulate the fees charged by guarantee companies, prohibiting disguised price increases and setting a cap on interest rates [30][31] - Complaints regarding financing guarantee companies have surged, with issues such as unauthorized deductions and high-interest rates being frequently reported [32][33] Group 4: Borrower Protections - Borrowers are advised to preserve evidence of their loan agreements and transaction records, and to report any irregularities to financial regulatory authorities [34] - Legal avenues are available for borrowers to challenge excessive interest rates, as stipulated by the Civil Code of the People's Republic of China [34][35]