康冠科技（证券代码：001308 ，证券简称：康冠科技 ）于2025年9月30日发布公告，公司拟使用闲置自 有资金进行现金管理，投资金额不超过80亿元。 2025年9月29日，康冠科技召开第二届董事会第三十一次会议，审议通过了《关于使用闲置自有资金进 行现金管理的议案》。该事项尚需提交公司股东大会审议，若通过，有效期为自审议本议案的股东大会 决议通过之日起12个月。在上述额度及有效期内，资金可以滚动循环使用。同时，董事会授权董事长或 其授权人员在有效期和额度范围内行使决策权并签署相关文件。 投资目的及方式 点击查看公告原文>> 声明：市场有风险，投资需谨慎。 本文为AI大模型基于第三方数据库自动发布，任何在本文出现的信 息（包括但不限于个股、评论、预测、图表、指标、理论、任何形式的表述等）均只作为参考，不构成 个人投资建议。受限于第三方数据库质量等问题，我们无法对数据的真实性及完整性进行分辨或核验， 因此本文内容可能出现不准确、不完整、误导性的内容或信息，具体以公司公告为准。如有疑问，请联 系biz@staff.sina.com.cn。 责任编辑：小浪快报 公司此举旨在保证正常经营、资金安全的前提下，充分利用 ...

Core Insights - The article discusses the practical implications of having ten million in savings, emphasizing that it can provide financial security and freedom, but also highlights the complexities and potential risks associated with managing such wealth [1][6]. Group 1: Financial Implications - A deposit of ten million at a 2.4% annual interest rate yields an annual income of 240,000, which can cover many middle-class living expenses [3]. - High living costs in major cities can lead to monthly expenses of 20,000 to 40,000, making ten million seem insufficient over time [5]. - Inflation can significantly erode the purchasing power of ten million, potentially halving its value in ten years if prices double [5]. Group 2: Wealth Management Strategies - Effective wealth management is crucial; options include investing 8 million in stable financial products and 2 million in index or bond funds to outpace inflation [5]. - Purchasing property in one's hometown can provide rental income and financial stability, while maintaining an emergency fund is essential [5]. Group 3: Psychological and Lifestyle Benefits - Having ten million provides a sense of security and freedom, allowing individuals to make lifestyle choices without financial stress [6]. - True financial freedom is characterized by the ability to handle life's challenges without being burdened by daily financial concerns [7]. Group 4: Misconceptions and Realities - The article cautions against the exaggerated notions of financial freedom, asserting that ten million is sufficient for many to transition from a state of forced labor to one of choice [9]. - Ten million is viewed as a new starting point for opportunities and challenges, emphasizing the importance of prudent financial planning [9].

Investment Overview - The company plans to use idle self-owned funds for entrusted wealth management, with an investment amount not exceeding 800 million RMB [1][2] - The investment aims to improve fund utilization efficiency and increase investment returns while ensuring fund safety and not affecting daily operational cash flow [1][5] Investment Details - The investment will be made in various financial products, including structured deposits, income certificates, trust products, government bonds, central bank bills, financial bonds, and other stable wealth management products issued by banks and financial institutions [2] - The investment period will not exceed the approved cash management limit [2] Approval Process - The proposal for using idle self-owned funds for entrusted wealth management was approved in the second meeting of the seventh board of directors and the second meeting of the seventh supervisory board held on June 24, 2025 [2][5] - The proposal is subject to approval by the shareholders' meeting [2] Risk Analysis and Control Measures - The main risks associated with entrusted wealth management include market volatility risk, liquidity risk, and fiscal policy risk, with actual returns being uncertain [3] - The company will take timely measures to control investment risks if any factors affecting fund safety are identified [3] Impact on the Company - The use of idle self-owned funds for entrusted wealth management is expected to generate investment returns for the company and its shareholders without affecting normal operations [5] - The supervisory board supports the decision, stating it will enhance fund utilization efficiency and increase investment returns for shareholders [5]

Core Viewpoint - The article emphasizes the strategic importance of elderly finance in addressing the challenges of an aging population, highlighting Suzhou Bank's innovative "Suxin Kangyang" elderly finance service brand aimed at enhancing the financial experience for senior clients and promoting high-quality development of the silver economy [1] Group 1: Financing Support for Elderly Industry - Suzhou Bank provides comprehensive financial solutions for various types of elderly enterprises, collaborating with government agencies, businesses, and medical institutions to develop new financial models for the elderly industry [2] - The bank strengthens partnerships with state-owned elderly enterprises, offering services such as asset preservation, bank financing, and merger financing solutions [2] - Increased credit supply for small and medium-sized elderly enterprises through long-term working capital loans and credit products tailored to the characteristics and growth potential of these businesses [2] Group 2: Enhancing Financial Services for the Elderly - Suzhou Bank focuses on improving service levels for the elderly, addressing their needs for care, enjoyment, and companionship [3] - The bank has renovated 29 branches to be elderly-friendly and established "Love Windows" to provide convenient services, equipped with tools like magnifying glasses and wheelchairs [3] - The "Happiness Club" was launched to create a community platform for members, offering various services and activities, with membership exceeding 3,800 by the end of 2024 [3] Group 3: Diverse Elderly Financial Products - Suzhou Bank has developed a "Wealth + Pension" system, issuing over 4.7 million social security cards and nearly 350,000 senior cards by the end of 2024 [4] - The bank offers personalized pension financial planning based on clients' age, risk tolerance, and retirement goals, providing tailored investment advice [4] - A range of financial products is available, including public pension funds and risk-adapted guaranteed products, to cater to different stages of retirement [4] Group 4: Building an Elderly Financial Service Ecosystem - Suzhou Bank integrates resources across industries to provide comprehensive services for the elderly, including cultural activities and home services [5] - The bank sponsors cultural events for the elderly, attracting over 15,000 participants in a recent talent competition [5] - The bank is advancing digital transformation in elderly finance, enhancing online services and creating a digital service ecosystem that connects various life scenarios [6]