中经记者 郑瑜 北京报道 随着监管进一步规范，互联网信贷业务的公开化、透明化不断提高。 自10月1日《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》（以下简称"助贷新 规"）施行以来，商业银行、消费金融公司等主体相继完成合作提供增信服务的融资担保公司名单披露 工作。 《中国经营报》记者注意到，近期有融资担保公司因违反信用信息采集、提供、查询及相关管理规定， 受到"双罚"（即机构及相关责任人均被处罚），为行业征信管理敲响警钟。 "此次处罚源于前端引流渠道的系统缺陷造成客户对授权签署行为感知低。"有知情人士向《中国经营 报》记者透露。 合规意识与技术能力不足 记者注意到，今年年中至今，多家担保公司"因违反信用信息采集、提供、查询及相关管理"等规定被处 罚。 一位行业头部融资担保公司从业者向记者透露，公司正在通过升级技术措施，引入先进的信息传输与控 制技术，加强个人信息授权核验。 在王蓬博看来，当前融资担保行业在用户信息保护方面最突出的共性问题是合规意识与技术能力都不 足。一方面，部分融资担保公司为追求风控效率，默许合作方过度索权；另一方面，数据分类分级、权 限管理、日志审计等基础能力建设滞后，导致内控 ...

Core Insights - The establishment of the Qingdao Technology Finance Alliance aims to enhance the quality and efficiency of technology finance services, supporting the development of the technology innovation industry in Qingdao [1][2] Group 1: Alliance Structure and Objectives - The alliance consists of 78 institutions, including banks, insurance companies, guarantee firms, and investment institutions, focusing on providing comprehensive financial services for technology enterprises [1][2] - The alliance seeks to integrate various resources from government, banks, investments, insurance, and guarantees to support technology enterprises in enhancing their R&D and innovation capabilities [2][3] Group 2: Collaboration and Information Sharing - Information sharing is crucial for achieving collaboration, innovation, and win-win outcomes among alliance members [3] - The alliance plans to strengthen connections with industry departments and enhance the existing financial service platforms in Qingdao to provide diverse and comprehensive information [3] Group 3: Financial Support Mechanisms - The Qingdao Financing Guarantee Group aims to act as a "credit enhancer" for technology enterprises, ensuring they understand and access policy benefits [4] - The alliance promotes a risk-sharing mechanism among financial institutions to alleviate financing difficulties faced by technology enterprises [4] Group 4: Investment Strategies - Guolian Securities focuses on binding equity investments with the growth resources of technology enterprises, supporting early-stage and growth-stage companies through tailored investment strategies [6][7] - The firm also emphasizes the importance of IPOs in unlocking the capital value of technology enterprises by clarifying asset ownership and enhancing financial reporting [7] Group 5: Insurance Products for Technology Enterprises - Customized insurance products are developed to provide risk protection for technology enterprises at various stages, including R&D, trial production, and market promotion [9][10] - The insurance offerings include trial insurance and major technology breakthrough insurance, which have successfully supported enterprises in securing financing [9][10] Group 6: Support for Key Technologies - The alliance prioritizes support for critical technology projects within key industries such as integrated circuits and artificial intelligence, providing tailored resources and guarantees [10] - In 2023, the insurance sector has provided risk protection amounting to 3.478 trillion yuan for 1,810 technology enterprises in Qingdao, particularly in the marine technology sector [10]

Core Points - The article discusses tax incentives aimed at supporting the development of small and micro enterprises and individual businesses, particularly through financing and credit guarantee institutions [2][3]. Group 1: Tax Deduction Policies - From January 1, 2016, qualified small and micro enterprise financing (credit) guarantee institutions can deduct certain reserves from their corporate income tax. This includes: 1. A guarantee compensation reserve not exceeding 1% of the year-end guarantee liability balance [2]. 2. An unexpired liability reserve not exceeding 50% of the guarantee fee income for the year [2]. 3. Actual compensation losses incurred by the guarantee institutions can be deducted according to tax laws [2]. Group 2: Eligibility Criteria - To qualify for these tax benefits, small and micro enterprise financing (credit) guarantee institutions must meet several conditions: 1. Compliance with the "Interim Measures for the Administration of Financing Guarantee Companies" and possess a valid operating license [3]. 2. At least 70% of their credit guarantee business must be focused on small and micro enterprises [4]. 3. The average annual guarantee fee rate for small enterprise financing must not exceed 50% of the bank's benchmark loan interest rate [4]. 4. Other conditions as specified by financial and tax authorities [4]. Group 3: Enjoyment of Benefits - The aforementioned tax policies can be enjoyed without the need for a formal application process [5]. Group 4: Policy References - The article references specific policy documents that outline the tax deduction policies for small and micro enterprise financing (credit) guarantee institutions [10].

Core Viewpoint - The company has entered into a shareholder change agreement, transferring all shares held by Guangdong Yuecai to Guangdong Re Guarantee, resulting in an increase in Guangdong Re Guarantee's stake in Guangdong Zhongying Shengda Financing Guarantee from 2.5% to 10% [1][2] Group 1: Shareholder Change Agreement - The agreement involves the transfer of shares from Guangdong Yuecai to Guangdong Re Guarantee, which will increase Guangdong Re Guarantee's ownership in the company [1] - Following the share transfer, Guangdong Yuecai will no longer be a shareholder of Guangdong Zhongying Shengda Financing Guarantee [1] Group 2: Rights and Obligations - The agreement includes granting Guangdong Re Guarantee a put option, allowing them to sell their shares back to the company if performance metrics are not met over five consecutive fiscal years [1] - If the annual profit allocated to Guangdong Re Guarantee falls below RMB 81.12 million, the company is obligated to provide guaranteed returns, subject to certain terms and conditions [1] Group 3: Business Outlook - The company anticipates that the performance of Guangdong Zhongying Shengda Financing Guarantee will meet the "excellent" level as defined by the Guangdong Provincial Department of Finance within one or more fiscal years [2] - The company expects to receive the guaranteed returns and profit distributions, which will maximize investment returns and align with the overall interests of the company and its shareholders [2]

Core Viewpoint - The company, Zhongying Shengda Financing Guarantee, has entered into a shareholder change agreement, resulting in Guangdong Yuetai transferring its entire stake in Guangdong Zhongying Shengda Financing Guarantee to Guangdong Re Guarantee, increasing the latter's shareholding from 2.5% to 10% [1] Group 1 - The shareholder change agreement includes granting Guangdong Re Guarantee a put option, allowing it to sell its entire stake if the performance of Guangdong Zhongying Shengda Financing Guarantee does not meet the "excellent" level as per the evaluation criteria set by the Guangdong Provincial Finance Department for five consecutive fiscal years [1] - If the annual profit allocated to Guangdong Re Guarantee falls below RMB 81.12 million, the company will provide a guaranteed return, subject to certain terms and conditions [1] - The company anticipates that the performance of Guangdong Zhongying Shengda Financing Guarantee will reach the "excellent" level within one or more fiscal years due to the strong encouragement from government authorities for financing guarantee businesses [2] Group 2 - The profit exceeding RMB 81.12 million will be distributed only between the company and Foshan High-tech, aligning with the company's and its shareholders' overall interests [2] - The arrangements for guaranteed returns and profit distribution are designed to maximize the investment returns for the company [2]

作为小微创业生态中不可或缺的力量，女性创业者一直是平安融易重点关注与服务的对象。自2017年 起，平安融易持续支持中国妇女发展基金会"@她创业计划——母亲创业循环金项目"开展，携手赋能女 性创业的探索之路。多年来，双方累计在黑龙江、甘肃等6个省区市发放循环金达4310万元，惠及众多 女性创业者。在黑龙江齐齐哈尔，平安融易联合中国妇女发展基金会扶持的赤松茸产业不仅为当地创造 了可观的经济效益，更激活了农村创业就业的新动能；在甘肃临洮，平安融易助力当地百合产业突破地 域限制，让这一特色农产品从黄土地走向全国市场，成为当地群众增收致富的重要支柱。 以本次创业赋能培训为起点，平安融易"小微背后的力量"系列公益行动正式启航，未来将通过金融支 持、产业赋能、渠道拓展等多元化方式，为各领域小微提供全方位支持，助力产业发展和乡村振兴。展 望未来，平安融易表示，公司将持续深化公益实践，在产业帮扶的道路上持续深耕，让金融的温度覆盖 产业发展全链条，切实推动地方经济高质量发展，既做小微创业者的同行者，也做乡村振兴战略落地的 践行者，让产业发展的成果真正惠及每个小微，为实现共同富裕的时代目标贡献平安融易的坚实力量。 同时，本次培训与 ...

Core Viewpoint - The financial system in the province is focused on implementing national financial policies to support the high-quality development of private enterprises, emphasizing service quality and efficiency Group 1: Credit Resource Investment - Continuous increase in credit resources to support the growth of the private economy, with 59 financial institutions and over 2,200 financial partner teams serving 80,000 private enterprises, providing financing exceeding 400 billion yuan for 18,000 private enterprises [2] - Support for weak links by extending financial services to individual businesses, resulting in 276,000 private enterprises having loans by the end of November, an increase of 19,000 since the beginning of the year [3] - Implementation of "Financial Direct to Grassroots Acceleration" action to address issues like slow approvals and difficult renewals, facilitating 1,303 projects with financing of 307.687 billion yuan [4] Group 2: Capital Market Utilization - Utilizing domestic and foreign capital markets to promote the development of listed companies, with 5 new listed companies this year, bringing the total to 309, of which 62% are private enterprises [5] - Expanding direct financing channels through financial increment policies, with 16 private enterprises entering the investment project library of a newly established private equity fund of 50 billion yuan [6] - Strengthening the role of regional equity markets, with 160 new private enterprises listed this year, raising a total of 690.86 million yuan [7] Group 3: Addressing Financing Challenges - Improving mechanisms for risk prevention and resolution, ensuring early identification and management of risks for private enterprises [8] - Providing inclusive guarantees to solve collateral issues, benefiting 234,900 small and micro private enterprises and farmers [9] - Implementing no-repayment renewal policies for all small and medium enterprises, with new no-repayment loans amounting to 280.103 billion yuan, a year-on-year increase of 13.49% [10] - Utilizing digital finance to enhance credit information, providing data support to over 3.3 million private economic entities [11]

近日，工行安庆宿松支行联合宿松县中小企业融资担保有限公司创新推出"绿色贷款+担保人才贷"综合 融资服务，成功为一家面临融资瓶颈的科技型企业提供500万元信贷支持，有效解决了企业发展燃眉之 急，是金融服务"精准滴灌"实体经济的生动实践。 该笔资金将主要用于企业购置关键研发设备、加大核心技术攻关投入。企业负责人表示，宿松支行和宿 松担保公司的服务高效务实，"绿色+人才"的创新融资模式直击科技型企业痛点，不仅解了资金之渴， 更体现了对科技创新与人才价值的高度认可，"这笔'金融活水'将有力推动我们的技术转化和业务发 展。" 此次联合行动是金融服务主动打破地域限制、深入支持实体经济的体现。"绿色贷款+担保人才贷"模式 有效融合国家政策导向与企业实际需求，为解决科技型企业"融资难、融资贵"问题提供了新思路，有力 提升了金融服务实体经济的质效。双方表示将继续深化合作，推广该创新模式，为更多科技创新企业注 入金融动能。（宿松支行） 该企业专注于电子元器件制造，拥有核心技术和良好市场前景，但因轻资产运营、缺乏传统抵押物，在 关键成长期遭遇融资难题。获悉企业困境后，宿松支行与宿松担保公司迅速组建联合服务团队，主动跨 省上门对接， ...

在宿迁泗阳县庄圩乡，空气中弥漫着瓜蒌的清香。从零星栽培到扶持发展，从大户带动到全民种植，从 单纯卖籽到卖"全身"，一株瓜蒌苗在庄圩乡越长越大。这里的故事，正是金融助力乡村振兴的生动写 照。 庄圩乡嘉绿园瓜蒌种植农民专业合作社的负责人王先生，是当地瓜蒌产业发展的见证者和推动者。他的 瓜蒌种植合作社从最初的300亩扩展至千亩规模，2020年又建立起2000多平方米的瓜蒌研发中心。但在 扩建育苗棚的过程中，资金缺口的问题常常让他苦恼不已。就在这时，平安融易的资金支持为他解了燃 眉之急。 (图为王先生的瓜蒌种植中心) 当王先生再次遇到资金短缺时，第一时间想到的仍是平安融易。平安融易宿迁分公司咨询顾问得知情况 后，为其快速办理30万元无抵押产品，半小时内资金到账，保障了80万株培苗的繁育与市场供应。平安 融易的专业和高效令王先生赞不绝口。 如今，庄圩乡已形成从育苗、种植发展到深加工的全产业链，瓜蒌成为了当地农民增收的"金蒌蒌"、致 富的"希望苗"。这不仅让当地农民的腰包鼓了起来，更让乡村振兴有了坚实的产业支撑。 花木经济添动能，小微商户焕发活力 在乡村振兴的大潮中，金融服务正在成为农村特色产业发展的强劲引擎。一个个看似 ...

Group 1 - The company, Meinian Health Industry Holdings Co., Ltd., will hold its second extraordinary general meeting of shareholders in 2025 on October 14, 2025, at 14:50 in Shanghai [2][4][10] - The meeting will combine on-site voting and online voting, with the online voting period set from 9:15 to 15:00 on the same day [5][6][7] - The record date for shareholders to attend the meeting is October 9, 2025 [8] Group 2 - The meeting will review proposals that have been approved by the company's board of directors during a meeting held on September 26, 2025 [11] - Proposals will be counted separately for small and medium investors, and certain proposals require a two-thirds majority to pass [12] Group 3 - The company has provided guarantees for its subsidiaries, with a total guarantee limit of up to RMB 4.9 billion for the year 2025 [27] - Recent agreements include a guarantee of RMB 100 million for Meinian Health Industry (Group) Co., Ltd. and various other guarantees ranging from RMB 600,000 to RMB 10 million for different subsidiaries [28][29][51][62] Group 4 - As of October 9, 2025, the total external guarantee balance provided by the company and its subsidiaries is RMB 3.696 billion, accounting for 46.72% of the company's audited net assets for 2024 [64]