智通财经APP获悉，总部位于香港的融资与企业咨询服务提供商，罗氏商务会计有限公司周一向美国证 券交易委员会(SEC)提交招股文件，计划通过首次公开募股(IPO)募集最高800万美元资金。 根据招股书，该公司拟发行150万股普通股，发行价区间为每股4至6美元。按区间中点计算，公司估值 约为1.21亿美元。罗氏商业集团计划在纳斯达克挂牌交易，股票代码为"LSBA"，国泰证券为此次发行 的独家账簿管理人。 罗氏商业集团成立于2021年，主营信贷与企业咨询两大业务板块。公司在截至2025年3月31日的财年内 共完成296宗客户项目，全年收入约为200万美元。 公司表示，此次募资将用于拓展信贷业务规模、提升会计与税务咨询系统，以及加强内部合规和技术基 础设施。罗氏商业集团于2025年7月23日首次以保密方式提交IPO申请。 在信贷服务方面，公司提供贷款资格评估、申请支持及融资咨询，覆盖住房贷款及中小企业融资领域； 企业服务方面则包括会计、财务报告编制及税务计算等综合咨询。 ...

未来，工商银行钦州分行将持续深化金融服务创新，聚焦西部陆海新通道建设的新需求、新机遇，不断 优化信贷流程、拓宽融资渠道，以更精准、更高效、更优质的金融服务，助力钦州强化陆海枢纽功能， 为区域经济高质量发展贡献更大金融力量。（何本莉、张琳） 转自：新华财经 编辑：赵鼎 作为扎根钦州、服务地方的金融力量，工商银行钦州分行始终紧跟钦州市"向海经济"发展步伐，深刻把 握从"出海通道"到"陆海枢纽"的战略转型机遇。立足钦州服务西南中南西北南向出海、构建面向东盟国 际大通道的核心定位，依托钦州在全国沿海临港产业布局及西南开放发展战略支点中的优势，以金融活 水激活"双循环"动能，全力投身西部陆海新通道的时代浪潮。 在产业园区发展支持方面，工商银行钦州分行重点支持中国（广西）自由贸易试验区钦州港钦州综合保 税区、中国—马来西亚钦州产业园区、钦州皇马产业工业园区等临海产业园区发展。今年以来，该行通 过信贷支持各产业园区发展，累计投放资金10.71亿元，各园区贷款余额31.90亿元，将信贷资金用于各 企业的厂房建设、设备采购等，助力园区企业扩大生产规模，通过西部陆海新通道，源源不断地将产品 运往国内其他地区以及东盟国家。同时，今 ...

Group 1 - The core viewpoint of the article is that Zhongyou Consumer Finance has officially joined the "My Changsha" government service platform, marking a significant breakthrough in the "Zhongyou Consumer Finance +" ecosystem [1] - This initiative allows over ten million citizens in Changsha to access credit services directly through the platform while handling government affairs, effectively meeting diverse consumer needs such as home appliance upgrades, renovations, and travel [1] - The move aligns with national policies aimed at expanding domestic demand and boosting consumption, as highlighted by the State Council's emphasis on consumption as a key annual focus [1] Group 2 - The People's Bank of China and six other departments have jointly issued guidelines to support the enhancement and expansion of consumption, encouraging financial institutions to broaden service scenarios [1] - Zhongyou Consumer Finance leverages its core business advantages through cross-industry cooperation and deepening customer engagement to continuously expand the coverage of financial services [1] - The company aims to improve the accessibility and convenience of inclusive financial services [1]

Core Insights - The platform economy in China has evolved from an "emerging phenomenon" to a "core driving force" over the past two decades, significantly impacting various industries and connecting millions of merchants, flexible workers, and a vast consumer base [1] - The "2025 China Inclusive Finance International Forum" highlighted the report titled "Platform Economy and Inclusive Finance," which emphasizes the role of digital technology in reshaping resource allocation efficiency [1][2] - The report indicates that platforms have become a valuable supplement to traditional financial institutions, particularly in the areas of digital payments, credit accessibility, and insurance [2] Summary by Sections Platform Economy Development - The platform economy has enabled a large-scale online transformation of economic activities such as shopping, transportation, and dining, leading to the emergence of new business models like digital marketing and smart logistics [1] - Platforms have created a vast ecosystem connecting hundreds of millions of consumers, millions of merchants, and flexible employment groups, playing a crucial role in empowering small businesses and promoting rural development [1] Financial Sector Impact - Platforms have driven a leap in digital payment adoption, with the percentage of adults using digital payments in China increasing from 49% to 89% over the past decade [2] - The proportion of adults obtaining credit from formal financial institutions has risen from 20% to 41% due to technological innovations in digital risk control and alternative data applications [2] - In the insurance and wealth management sectors, platforms have enhanced consumer access to a wider range of financial products through innovative channel strategies [2] Challenges and Solutions - The report identifies new challenges arising from the platform economy, advocating for a shift from a "zero-sum game" mindset to building a "win-win ecosystem" [3] - The evolution of the platform economy is characterized by structural changes that emphasize integration rather than disruption, fostering a complementary relationship between online platforms and offline stores [3] - The focus on "win-win" solutions includes addressing consumer concerns about data privacy and price discrimination, as well as recognizing the value of flexible workers and improving social security measures [3]

Core Insights - Consumer finance is playing an irreplaceable role in stimulating consumption and serving the real economy, especially in lower-tier markets, transitioning from "scale expansion" to "quality first" due to regulatory improvements and technological advancements [1] - The emphasis on consumer rights protection is becoming a critical aspect of business operations, necessitating a balance between innovation and regulation [1] Group 1: Differentiated Financial Services - Consumer finance companies are responsible for recommending suitable products to the right customers, which is essential for social responsibility and sustainable development [2] - The People's Bank of China and six other departments issued guidelines to provide diversified financial services, emphasizing the need for tailored product recommendations rather than a one-size-fits-all approach [2] - Companies are exploring innovative ideas to encourage consumers to transition from "wanting to consume" to "daring to consume," exemplified by Zhongyuan Consumer Finance's collaboration with a shopping mall to integrate credit services into consumer experiences [2] Group 2: Consumer Rights Protection - Several consumer finance companies faced penalties in the first half of 2025 due to post-loan management and credit compliance issues, highlighting the ongoing strict regulatory environment [4] - Consumer rights protection is crucial for maintaining market stability and promoting healthy industry development, especially for companies serving lower-tier markets [4] - The application of technologies like big data and artificial intelligence is enhancing consumer rights protection, with companies like Harbin Consumer Finance establishing independent complaint handling departments and 24-hour online complaint channels [4][5] Group 3: Future Strategies - Companies are focusing on strengthening their risk control capabilities through advanced technologies, aiming to create a comprehensive intelligent risk control system covering the entire loan lifecycle [5] - There are ongoing challenges in consumer rights protection, including proxy complaints and malicious debt evasion, necessitating collaborative efforts to foster a trustworthy social environment [5] - The industry is encouraged to utilize advanced data analysis models to improve credit assessment accuracy, thereby providing better, safer credit services while promoting sustainable market growth [5]

Core Viewpoint - The company intends to renew the Financial Service Agreement with Chengtong Finance Co., Ltd. for another three years, which includes deposit, settlement, credit, and other financial services [1][2][7] Summary by Sections Transaction Overview - The renewal of the Financial Service Agreement is based on principles of equality, voluntariness, and good faith, with no significant risks involved [1][2] - The transaction is classified as a related party transaction and has been approved by the independent directors and the board of directors, pending approval from the shareholders' meeting [1][2] Related Party Information - Chengtong Finance Co., Ltd. is controlled by China Chengtong Holdings Group, with the company holding a 10% stake in Chengtong Finance [2][3] - As of December 31, 2024, Chengtong Finance has total assets of 33.448 billion yuan, total equity of 6.747 billion yuan, and a net profit of 1.79 billion yuan for the year [3] Financial Service Agreement Details - Chengtong Finance will provide services including deposits, settlements, credit services, and other approved financial services [4][6] - The total credit limit for loans and interest is capped at 2 billion yuan, subject to adjustment based on the company's operational needs [4] - The pricing for services will align with the prevailing rates set by the People's Bank of China and major commercial banks [4] Purpose and Impact of Related Transactions - The agreement aims to enhance the company's capital utilization and improve funding efficiency, while also broadening financing channels and reducing costs and risks [7] - The transaction is not expected to harm the interests of the company or minority shareholders [7] Approval Process - The agreement has been reviewed and approved by the independent directors and will be submitted for approval at the shareholders' meeting, where related shareholders will abstain from voting [7]

中信建投证券股份有限公司 关于中节能铁汉生态环境股份有限公司 与中国节能环保（香港）财资管理有限公司 签署《金融服务协议》暨关联交易的核查意见 中信建投证券股份有限公司（以下简称"中信建投证券"或"保荐人"）作 为中节能铁汉生态环境股份有限公司（以下简称"节能铁汉"或"公司"）2022 年以简易程序向特定对象发行股票并在创业板上市的保荐人，根据《证券发行上 市保荐业务管理办法》《深圳证券交易所创业板股票上市规则》《深圳证券交易 所上市公司自律监管指引第 2 号——创业板上市公司规范运作》等相关法律、法 规和规范性文件的规定，对节能铁汉与中国节能环保（香港）财资管理有限公司 （以下简称"财资公司"）签署《金融服务协议》进行了审慎核查，发表核查意 见如下： 一、关联交易概述 公司 2025 年 5 月 30 日召开的第五届董事会第二十四次（临时）会议审议通 过了《关于与中国节能环保（香港）财资管理有限公司签署 <金融服务协议> 暨关 联交易的议案》。公司第五届独立董事第四次专门会议，审议通过了该事项。 财资公司系公司控股股东中国节能的三级子公司，本次交易构成关联交易。 何亮先生、杨凯华先生、莫夏泉先生、董学刚先生 ...

Core Insights - Lexin's Q1 2025 financial report shows a total revenue of 3.1 billion RMB, with a Non-GAAP EBIT of 580 million RMB, marking a year-on-year increase of 104.7% and a quarter-on-quarter increase of 25.3% [2][6] - The focus should be on the financial net income, which is derived from credit facilitation service income and tech-empowered service income, totaling 2.8157 billion RMB for Q1 2025 [2][3] - The core financial net income for Q1 2025 is 1.818 billion RMB, reflecting a quarter-on-quarter increase from 1.721 billion RMB in Q4 2024, indicating growth despite a decline in overall revenue [6] Revenue Breakdown - Credit facilitation service income for Q1 2025 is 2.648 billion RMB, while tech-empowerment service income is 361.5 million RMB [5] - Total operating costs for Q1 2025 amount to 2.045 billion RMB, with significant components including funding costs and various provisions [5][6] Asset Quality Improvement - The improvement in asset quality is evidenced by a 5% decrease in first payment default (FPD) rates and an 11% decrease in overall asset collection rates, contributing to a 9% reduction in the 90+ day delinquency rate [6] - The company's GAAP net profit reached 430 million RMB in Q1 2025, with a year-on-year growth of 113.4% and a quarter-on-quarter growth of 18.6% [6] Dividend Policy - Lexin plans to increase its dividend payout ratio from 25% to 30% of net profit starting in the second half of 2025, marking the second increase in dividend ratio within six months [7] Profitability Metrics - The take rate, defined as net profit over average loans, has increased from 0.66% in Q1 2024 to 1.58% in Q1 2025, with a quarterly profit margin growth of 21% [7]