? 现金管理投资类型：安全性高、流动性好、产品期限不超过 12 个月的保 本型产品（包括但不限于结构性存款、大额存单及协议存款等）。 证券代码：605167 证券简称：利柏特 公告编号：2025-033 债券代码：111023 债券简称：利柏转债 江苏利柏特股份有限公司 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 为规范募集资金存放、管理和使用，切实保护投资者权益，公司已对募集资 金进行了专户存储，并与保荐机构以及募集资金专户存储银行分别签订了《募集 资金专户存储三方监管协议》和《募集资金专户存储四方监管协议》。 二、募集资金投资项目情况 ? 现金管理金额：不超过人民币 24,700 万元。 ? 履行的审议程序：江苏利柏特股份有限公司（以下简称"公司"）于 2025 年 7 月 31 日召开第五届董事会第十六次会议，审议通过了《关于使用部分闲置 募集资金进行现金管理的议案》，本议案无需提交股东会审议。 一、募集资金基本情况 根据中国证券监督管理委员会出具的《关于同意江苏利柏特股份有限公司向 不特定对象发行可 ...

Group 1 - The article discusses the emergence of a new "black card" service in Alipay for users with an average asset of 1 million yuan over the past 30 days, offering various lifestyle privileges and high-end services [3] - The competition for high-end clients in the financial sector is intensifying, with banks and internet finance vying for affluent customers [3] - The article highlights the significant reduction in deposit interest rates, with major banks lowering three-year deposit rates by nearly 70% compared to three years ago, now at 1.25% [4][5] Group 2 - There are suggestions that large depositors can negotiate better interest rates with banks, but this practice is not widely applicable in Shenzhen's mainstream banks [5][6] - Current interest rates for large deposits in state-owned banks are below 2%, with some banks imposing restrictions on three- and five-year large deposit purchases [6] - The article notes that banks generally do not differentiate interest rates based on customer levels, and even high-value clients receive similar treatment as regular customers [6][8] Group 3 - Banks are focusing on providing additional services and privileges to high-value clients, such as access to VIP lounges, dedicated customer service, and exclusive events [8][10] - Various banks offer unique benefits, including personalized card numbers, fee waivers for certain services, and emergency cash services for clients traveling abroad [10][11] - The article emphasizes that while these services may not provide direct financial benefits, they enhance the overall customer experience for affluent clients [11][12] Group 4 - The article discusses the evolving mindset of high-net-worth individuals, highlighting a shift towards valuing health and wealth equally, with a focus on cash flow security [14][15] - It mentions that banks need to help clients transition from a focus on wealth preservation to a more comprehensive approach to asset management and long-term planning [16][17] - The article concludes by questioning the effectiveness of keeping large deposits in banks under the current low-interest environment and suggests that clients should consider alternative investment strategies [17]

Core Viewpoint - The company plans to utilize idle self-owned funds for cash management to enhance fund efficiency and returns for the company and its shareholders [1][5]. Group 1: Basic Situation of Cash Management - The investment purpose is to improve fund efficiency without affecting the company's main business operations [1]. - The company intends to use up to 1 billion RMB or equivalent foreign currency for cash management, with a rolling usage period until the 2025 annual general meeting [1][4]. - The investment types include low-risk financial products such as bank time deposits, structured deposits, and wealth management products [2]. Group 2: Funding Source and Implementation - The cash management will be funded by the company's idle self-owned funds, without involving raised funds or bank loans [2]. - The board of directors will seek authorization from the shareholders' meeting for cash management decisions, including investment product selection and contract signing [2]. Group 3: Impact on Daily Operations - The cash management will not affect the company's daily operations and will not harm the interests of shareholders, especially minority shareholders [3]. Group 4: Review Procedures and Opinions - The board of directors and the supervisory board have approved the cash management plan, confirming it aligns with the company's interests and complies with relevant regulations [4][5]. - The sponsor believes the cash management plan has undergone necessary approval procedures and does not harm the interests of shareholders [5].