南方黑芝麻集团股份有限公司（以下简称"公司"）于2026年1月26日以现场与通讯相结合的方式召开第 十一届董事会2026年第一次临时会议（以下简称"本次会议"），本次会议通知已于2026年1月23日以书 面送达或电子邮件方式发送至全体董事。本次董事会现场会议在广西南宁市凤翔路20号黑芝麻大厦20楼 公司会议室召开，由董事长李玉珺先生主持，应出席会议的董事9人，实际出席会议的董事9人，公司高 级管理人员列席了本次会议。 本次会议召集、召开、参会人数、表决程序符合《中华人民共和国公司法》和《公司章程》有关规定。 经对会议议案审议和表决形成会议决议，现公告如下： 审议并通过《关于向银行申请流动资金借款的议案》 董事会同意公司向中国工商银行股份有限公司容县支行申请总额度不超过人民币11,000万元、期限为一 年期的流动资金借款；董事会授权董事长在前述额度范围内确定具体的借款金额和借款时间，并与银行 签署相关借款文件。 登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：000716 证券简称：黑芝麻 公告编号：2026-003 南方黑芝麻集团股份有限公司 第十一届董事会2026年第一次临时会议 决议公告 本公 ...

公司本次申请流动资金借款，有利于开展经营业务，进一步促使公司持续健康发展，符合公司及全体股 东的整体利益，对公司不存在不利影响。截至目前，公司资产负债结构合理，经营情况正常，具备相应 的偿债能力，本次申请借款不会对公司带来重大财务风险。 格隆汇1月26日丨黑芝麻(000716.SZ)公布，公司根据经营业务发展的需要，拟向中国工商银行股份有限 公司容县支行申请总额度不超过1.1亿元人民币的流动资金借款。 ...

Core Viewpoint - The company has approved a new external guarantee plan for 2025, with a total expected guarantee amount of up to RMB 1.18 billion, including guarantees for subsidiaries with varying debt ratios [3]. Group 1: Guarantee Overview - The company plans to provide new financing guarantees not exceeding RMB 1.18 billion for 2025, with RMB 850 million allocated for subsidiaries with a debt ratio exceeding 70% and RMB 330 million for those below this threshold [3]. - The authorization for these guarantees is valid for twelve months from the date of approval at the 2024 annual general meeting [3]. Group 2: Specific Guarantee Details - The company's wholly-owned subsidiary, Shanghai Sanxiang Decoration Design Co., Ltd., signed a short-term loan agreement with Agricultural Bank of China for RMB 30 million, with a one-year term, secured by property owned by another subsidiary, Shanghai Chengguang Real Estate Co., Ltd. [4]. - After the loan repayment, the subsidiary entered into another loan agreement for the same amount and term, again secured by the same property [4]. Group 3: Financial Metrics and Risk Management - As of the announcement date, the debt ratio of Sanxiang Decoration exceeds 70%, with the company having provided a total guarantee balance of RMB 26.5 million for subsidiaries with high debt ratios prior to this new guarantee [5]. - Post-guarantee, the total guarantee balance for subsidiaries with high debt ratios will be RMB 295 million, with a remaining available guarantee amount of RMB 800 million [5]. - The company has no significant events affecting the repayment ability of Sanxiang Decoration [7]. Group 4: Impact on the Company - The board believes that the new guarantees are necessary to support the funding needs of the company and its subsidiaries for project development and daily operations in 2025 [8]. - The company will enhance management of operational risks and decision-making for Sanxiang Decoration to ensure that guarantee risks remain controllable and do not harm the interests of the company and its shareholders [8]. Group 5: Total Guarantee Amount and Status - After the new guarantees, the total guarantee amount for the company and its subsidiaries will be RMB 1.115 billion, with a total guarantee balance of RMB 735.295 million, representing 16.13% of the company's latest audited net assets [9]. - There are no overdue guarantees or guarantees involved in litigation, and no losses have been incurred due to guarantee-related judgments [9].

2024年1至12月份，新力金融的营业收入构成为：融资租赁占比57.66%，小额贷款占比21.69%，软件和 信息技术服务业占比9.38%，典当业务占比5.03%，融资担保占比4.59%。 截至发稿，新力金融市值为47亿元。 每经AI快讯，新力金融（SH 600318，收盘价：9.08元）12月29日晚间发布公告称，公司合并报表范围 内的控股子公司安徽德润融资租赁股份有限公司（简称"安徽德润"）因经营业务需要与恒丰银行股份有 限公司合肥分行（简称"恒丰银行"）签订了《流动资金借款合同》。公司与恒丰银行签订了《最高额保 证合同》，为安徽德润与恒丰银行签订的《流动资金借款合同》项下所形成的所有负债提供连带责任保 证担保，担保总金额为人民币7000万元，保证人承担保证责任的保证期间为三年。 截至本公告披露日，本次新增担保后公司及控股子公司对外担保总额约9.47亿元（其中控股子公司为其 下属公司对外担保总额约为1.16亿元），占公司最近一期经审计净资产的89.31%。 每经头条（nbdtoutiao）——直击茅台经销商大会：2000多人周末齐聚！重大变革公布：涉及茅台酒价 格、分销等，董事长陈华：经销商不能再"躺着赚 ...

Core Viewpoint - The article discusses the implementation of a "court + industry" multi-faceted dispute resolution mechanism to address loan overdue disputes involving small and micro enterprises, aiming to balance the sustainability of these businesses with creditor interests and facilitate effective repayment plans [1][4]. Group 1: Dispute Resolution Mechanism - The "court + industry" multi-faceted dispute resolution mechanism has been established to address financial disputes, particularly for small and micro enterprises facing operational difficulties [1][4]. - The Supreme People's Court and the National Financial Regulatory Administration have created an online mediation mechanism to facilitate communication and resolution between parties involved in financial disputes [2]. Group 2: Case Study - A notable case involved a small micro-enterprise that defaulted on loans totaling 6 million yuan due to rising operational costs and delayed receivables, resulting in overdue principal and interest of over 2.83 million yuan [1]. - The bank initially sought full repayment through litigation, but the enterprise proposed an 11-installment repayment plan, citing temporary operational challenges and stable revenue in recent years [2]. Group 3: Mediation Process - The mediation process included a thorough review of the enterprise's financial statements and asset evaluations, confirming that the value of receivables and collateral was sufficient to cover the debt [3]. - The mediator highlighted the risks of bankruptcy for the enterprise if forced to repay in full and proposed a structured repayment plan that included priority repayment terms based on receivables [3]. Group 4: Outcomes and Implications - The mediation resulted in a signed agreement that allowed the enterprise to repay the debt in installments while ensuring the bank's interests were protected through collateral arrangements [3][5]. - This case exemplifies the effectiveness of the "court + industry" mechanism in resolving similar disputes, contributing to a more favorable business environment for small and micro enterprises [5].

Core Viewpoint - The company, 瑞茂通, is facing a legal dispute involving its subsidiaries and 河南农村商业银行 regarding loan repayment obligations totaling approximately 5.98 billion RMB [1] Group 1: Legal Proceedings - The company's wholly-owned subsidiary, 河南瑞茂通粮油有限公司, received a lawsuit notification from the Zhengzhou Intermediate People's Court concerning financial loan contract disputes [1] - 河南农商行 has filed a lawsuit requesting repayment of principal and interest from the subsidiaries 郑州卓瑞 and 郑州嘉瑞, amounting to 2.89 billion RMB and 110 million RMB, and 2.09 billion RMB and 67.66 million RMB respectively [1] - The company has signed a guarantee contract with 河南农商行, and 河南粮油公司 has committed to a joint repayment agreement [1]

Summary of Key Points Core Viewpoint - The company, Hangzhou Hongquan Internet of Things Technology Co., Ltd., is providing a guarantee for its subsidiary, Dingdong Zhitu Information Technology Co., Ltd., to secure a loan of RMB 10 million from Ningbo Bank, which is aimed at supporting the subsidiary's business development needs [1][5]. Group 1: Guarantee Details - The company will provide a maximum joint liability guarantee for a loan of RMB 10 million to Dingdong Zhitu, with a guarantee period of two years from the maturity of the debtor's obligations [1][5]. - The guarantee is part of a broader authorization allowing the company to provide guarantees up to RMB 30 million for its subsidiaries, which includes various forms of guarantees such as pledges and mortgages [2]. Group 2: Decision-Making Process - The decision to provide the guarantee was approved during the board meeting on April 28, 2025, and subsequently ratified at the annual shareholders' meeting on May 20, 2025, with unanimous support from the board [2][6]. - The company holds an 81.28% controlling interest in Dingdong Zhitu, indicating that the risks associated with the guarantee are manageable and will not adversely affect the interests of the company and its shareholders [5][6]. Group 3: Financial Position and Risk Assessment - As of the announcement date, the total amount of guarantees provided by the company to its subsidiaries is RMB 0, indicating no prior guarantees have been issued, which reflects a strong financial position [7]. - There are no overdue guarantees or any guarantees involved in litigation, further supporting the company's stable financial standing [7].

Core Viewpoint - Huayang New Materials announced plans to apply for a working capital loan of 196 million yuan from Taiyuan Rural Commercial Bank, with a term of three years and an expected annual interest rate not exceeding 3.8% [1] Group 1 - The loan amount is set at 196 million yuan [1] - The loan will have a term of three years [1] - The expected annual interest rate for the loan is not to exceed 3.8% [1] Group 2 - The loan will be guaranteed by Taiyuan Chemical Industry Group Real Estate Development Co., Ltd. [1]

Core Viewpoint - Shanghai Pudong Development Bank Shenzhen Branch has signed an agreement with China Cinda Asset Management Shenzhen Branch for the transfer of non-performing assets, indicating a strategic move to manage and offload bad debts [1][3]. Summary by Sections Agreement Details - The agreement, numbered 【信深-A-2025-0055】, was signed on September 23, 2025, and involves the transfer of principal debts and related rights from Shanghai Pudong Development Bank to China Cinda Asset Management [1]. - Borrowers and guarantors are required to fulfill their repayment obligations to China Cinda Asset Management as per the original contracts [1][3]. Financial Obligations - The announcement specifies that the listed borrowers and guarantors must pay interest, penalties, and other dues according to the loan and guarantee contracts, as well as relevant regulations from the People's Bank of China [3]. - The principal and interest balances as of the transfer benchmark date (July 22, 2025) are detailed for each borrower, indicating the financial scope of the transfer [4][5]. Borrower and Guarantor Information - A list of borrowers and their respective guarantors is provided, along with the principal amounts and interest owed. For example, Shenzhen Haojingfeng Industrial Development Co., Ltd. owes a principal of 29,892,678.72 yuan and interest of 1,196,308.93 yuan [4][5]. - Other notable borrowers include Shenzhen Rui Dong Xusheng Industrial Trade Co., Ltd. with a principal of 17,200,000.00 yuan and interest of 1,221,708.00 yuan, and Shenzhen Wanhu Supply Chain Co., Ltd. with a principal of 49,713,133.39 yuan and interest of 8,249,213.84 yuan [5].

Core Points - The case involves a financial loan contract dispute where Hengfeng Bank was defrauded of billions of yuan [1][9] - The Supreme People's Court upheld the original judgment, requiring Beijing Gold Trading Center to repay a principal of 3.913 billion yuan and associated interest [2][3][8] - The case highlights issues of collateral and the responsibilities of guarantors in loan agreements [4][6][7] Summary by Sections Case Background - The dispute originated from a loan agreement between Hengfeng Bank's Beijing branch and Beijing Gold Trading Center, with Shanghai Ping'an Xinlun Property Development Co. as the guarantor [1] - In December 2019, Hengfeng Bank transferred 143.89 billion yuan of non-performing assets to Shandong Financial Asset Management Co. for 79.957 billion yuan [1] Court Proceedings - The first-instance court ruled that Beijing Gold must repay the principal and interest, with Shandong Financial having priority in recovering up to 4 billion yuan from collateral [2][7] - The Supreme Court's final ruling dismissed the appeal, maintaining the original decision [3][8] Collateral Disputes - The case raised questions about the validity of collateral agreements and the responsibilities of the parties involved, particularly regarding the compliance of Hengfeng Bank in loan approvals [6][7] - The court found that Hengfeng Bank had fulfilled its due diligence obligations regarding the collateral [7] Broader Implications - The case is part of a larger trend where multiple financial institutions, including Hengfeng Bank's Xi'an branch, have faced significant loan defaults from related companies [9][10] - Hengfeng Bank has been actively working on reducing its non-performing assets, with recent reports indicating a decrease in non-performing loans and an increase in provision coverage [11][12]