【大河财立方消息】1月23日，中原再担保集团科技融资担保有限公司发布2026年社会招聘公告。本次 计划招聘4人，其中担保业务部客户经理岗3人，政策研究岗1人，岗位涉及经济、金融、法律、会计、 审计、管理学等相关专业，简历投递截止时间为2026年2月5日。 中原再担保集团股份有限公司隶属于河南省人民政府、是河南省唯一的政府性再担保机构、国家融资担 保基金签约合作单位，是河南省融资担保业协会会长单位、中国融资担保业协会理事单位，注册资本 150亿元，主体长期信用等级AAA。近年来，中原再担保集团致力于发挥在全省政府性融资担保体系中 的龙头带动作用，为担保机构提供再担保增信、分险和引导服务，为重大项目建设等提供融资担保服 务，引导各类金融资源流向中小微企业、"三农"领域，发挥服务全省经济发展的"稳定器"和"放大器"作 用。 中原科技担保成立于2020年7月，注册资本10.41亿元，为中原再担保集团股份有限公司控股子公司，是 河南省专注于服务科技型中小微企业的省级政府性融资担保、再担保机构，为全省科技、双创和战略新 兴经营主体提供高效、便捷的融资担保服务，为省内其他融资担保机构的科技创新类融资担保业务提供 再担保增信 ...

Core Insights - The article highlights the importance of the aging population and the role of the nursing home industry in enhancing the quality of life for the elderly [1][2] - It emphasizes the financial support provided by Jiaxing Rongdan, which has been crucial for the development of the nursing home services [2] Group 1: Company Overview - Jiujiu Yijia Health Care Service Co., Ltd. operates under a "public-private partnership" model since 2020, focusing on community-based elderly care services [1] - The company integrates medical care with daily support, catering to government-subsidized elderly care services, thus becoming a vital part of the local elderly care system [1] Group 2: Financial Support and Impact - Since 2022, Jiaxing Rongdan has provided a total of 18.95 million yuan in financing guarantees to Jiujiu Yijia, facilitating the acquisition of medical rehabilitation equipment and upgrades to smart elderly care systems [2] - Over the past five years, Jiaxing Rongdan has supported 19 elderly care enterprises with over 150 million yuan in loan guarantees, covering various service types such as community care and rehabilitation [2] - Jiaxing Rongdan aims to continue empowering local elderly care institutions through favorable policies and effective financial services, contributing to the development of the "Zhejiang Elderly Care" initiative [2]

Core Viewpoint - The emergence of high-interest online loans that circumvent the 24% interest rate cap poses significant risks to consumers and may lead to criminal liability for lending platforms [1][6]. Group 1: High-Interest Loan Practices - Various platforms, such as Xiaoxiang Youpin and Luyouxuan, are offering consumer installment products at prices significantly above market value, effectively raising the borrowing costs for users [2][3]. - Some lending models utilize multiple disguised apps to provide high-interest loans to high-risk borrowers, with actual annualized interest rates reaching 300% to 500% [3][6]. Group 2: Regulatory Evasion - Many lending platforms are attempting to evade regulations by changing their operational identities while continuing to offer products with interest rates exceeding 24% [2][5]. - The "installment mall" model is criticized for breaching interest rate regulations and potentially engaging in price fraud against consumers [6][7]. Group 3: Legal Implications - Lending platforms that exceed the 24% interest rate cap may face criminal charges under laws governing illegal lending practices [5][6]. - The new lending regulations emphasize that all fees, including guarantee fees, must be included in the total financing cost, which should not exceed the legal interest rate cap [5][6]. Group 4: Consumer Protection - Consumers are advised to carefully review contract terms to ensure transparency regarding total costs and interest rates, and to be aware of their rights in case of violations [8]. - Regulatory bodies are encouraged to enhance oversight and enforcement to protect consumers from deceptive lending practices [7][8].

Core Insights - The company successfully executed a seamless "cross-year business relay" by seizing credit issuance opportunities from Agricultural Bank and rural commercial banks, achieving 92 new guarantee loans totaling 150 million yuan on January 1 [1][2] Group 1: Business Performance - On New Year's Day, the financing guarantee group completed 92 new guarantee loans amounting to 150 million yuan, covering key areas such as advanced manufacturing, rural revitalization, technological innovation, and consumption upgrades [1] - The successful execution of business on January 1 was supported by meticulous planning and deployment by the group's leadership, which included strengthening bank-guarantee collaboration and optimizing business process connections [1] Group 2: Strategic Outlook - The group has transitioned from a startup phase to a growth phase, with the New Year’s "opening red" setting a high starting point for the "14th Five-Year Plan" [2] - Looking ahead, the group aims to deepen its service philosophy of "making enterprises and entrepreneurs comfortable," enhancing service quality and efficiency to provide more precise, convenient, and accessible financing solutions for the real economy [2]

Core Viewpoint - The joint guidance issued by the Ministry of Finance, Ministry of Human Resources and Social Security, People's Bank of China, and Financial Regulatory Bureau aims to enhance the role of government financing guarantee systems in supporting employment and entrepreneurship, particularly for labor-intensive small and micro enterprises. Group 1: Support for Labor-Intensive Small and Micro Enterprises - The guidance proposes the establishment of a financing guarantee employment contribution index to quantitatively assess the annual employment impact of government financing guarantee institutions [2] - It emphasizes optimizing the allocation of financing guarantee resources based on employment contribution, with the National Financing Guarantee Fund considering this index when distributing re-guarantee credit limits [2] - A differentiated re-guarantee fee discount mechanism linked to employment contribution is to be implemented, with discounts of up to 20% for institutions with higher contributions [2] Group 2: Financial Product Innovation - The guidance encourages the development of specialized financial products aimed at labor-intensive small and micro enterprises, including loans for wage payments and support for businesses affected by tariffs [3] - It calls for reducing the collateral requirements for financing guarantees for small and micro enterprises that create significant employment, thereby lowering the barriers to financing [3] Group 3: Support for Key Groups in Entrepreneurship - The guidance encourages local governments to support college graduates and vocational school graduates in applying for entrepreneurial guarantee loans [4] - It mandates government financing guarantee institutions to provide guarantee services for entrepreneurial loans to various key employment groups, including graduates, veterans, and unemployed individuals [4] Group 4: Reducing Financing Costs and Increasing Efficiency - The guidance suggests exploring ways to reduce guarantee fees for eligible entrepreneurial loans and incentivizing banks to set reasonable interest rates [5] - It emphasizes the need to establish a fast-track mechanism for entrepreneurial loan approvals, promoting online business models and simplifying processes to expedite loan disbursement [6]

Core Viewpoint - The meeting between the New Ning County government and Shaoyang Guarantee Company aims to enhance cooperation in financing the local orange industry, addressing financing challenges, and promoting high-quality development of the industry [1][5]. Group 1: Meeting Overview - The meeting was led by Peng Hongbing, the Deputy Secretary of the New Ning County Committee and County Mayor, who expressed gratitude for the support from Shaoyang Guarantee Company in financing local enterprises [3][7]. - The discussion focused on deepening cooperation between government, guarantee institutions, and enterprises to build a solid financial support bridge for the orange industry [1][5]. Group 2: Current Industry Status - The New Ning orange industry is a pillar of the local economy and a significant source of income for farmers, having developed a complete industrial chain encompassing planting, processing, and sales [3][7]. - There is an urgent need for financial support to expand planting bases, upgrade processing equipment, improve logistics, and expand market channels, but many enterprises face bottlenecks due to insufficient collateral and high financing thresholds [3][7]. Group 3: Financial Support Initiatives - Shaoyang Guarantee Company has provided 108 million yuan in financing guarantees to 29 enterprises in New Ning, playing a crucial role in alleviating financial difficulties [3][7]. - The company plans to optimize service processes, lower financing costs, and develop customized guarantee solutions for individual enterprises to enhance support for the orange industry [4][8]. Group 4: Future Cooperation - The meeting established a foundation for ongoing communication and collaboration among government, guarantee institutions, and enterprises, aiming to create a synergistic effect in policy guidance, guarantee support, and enterprise development [4][8]. - New Ning County will continue to build a regular communication platform to ensure the effective role of financial guarantees in enhancing the quality and scale of the orange industry, contributing to high-quality economic development [4][8].

Core Insights - Lukoil has been recognized as the "Annual Leading Enterprise Supporting Local Economic Development" in a case collection by Economic Observer, highlighting its commitment to enhancing local economies through innovative financial services [1] - The company leverages cutting-edge technologies like AI to implement an "AI+O2O" model, providing efficient financing guarantee services to remote areas and supporting local key industries and hidden champion enterprises [1] Group 1: Financial Services and Innovations - Lukoil's subsidiary, Ping An Rongyi, has successfully provided timely loans to local entrepreneurs, such as a chicken farm owner in Henan, demonstrating the effectiveness of its financial services in rural areas [2] - The "Prism" project has been launched to focus on the financing needs of key local industries, utilizing data-driven risk control to enhance financing services and address various financing challenges faced by agricultural and manufacturing enterprises [3][5] - The company has expanded the "Prism" project's coverage to various regions, including Xinjiang and Shandong, providing essential financial support to local industries affected by adverse conditions, such as natural disasters [3][4] Group 2: AI and Technology Integration - Lukoil has developed the "Xingyun 2.0" AI intelligent loan system, which allows small and micro enterprises to obtain loans quickly with minimal input, significantly improving the efficiency of the loan application process [7] - The combination of online AI technology and offline team efforts enables Lukoil to respond swiftly to the financing needs of local enterprises, enhancing confidence among small businesses [6][7] - The company aims to be a long-term support system for local small and micro enterprises, addressing their urgent financing needs while also contributing to their sustainable growth [9]

Group 1 - The article emphasizes the commitment of Guohua Guarantee Company to support employment and entrepreneurship by addressing the financing challenges faced by small and medium-sized enterprises (SMEs) in labor-intensive industries [1] - Guohua Guarantee has implemented measures such as opening green approval channels, reducing comprehensive guarantee fees, and extending repayment periods to provide precise services to the real economy [1] - From January to October this year, Guohua Guarantee has provided guarantee support exceeding 12.5 billion yuan for 3,932 enterprises, which has helped create over 370,000 jobs [1]

Group 1 - The core point of the article is the transfer of shares by a major shareholder of Zhongying Shengda Financing Guarantee, indicating a significant movement in the company's stock ownership structure [1] - On November 5, the stock of Zhongying Shengda Financing Guarantee was transferred from Jiejiao Securities to Manhao Securities, with a market value of HKD 13.5 million, representing 9.02% of the total shares [1] - The company announced that on November 3, 2025, its board was informed by Foshan Financial Investment Holdings, the largest single shareholder, about the intention to transfer a total of 60 million shares of its domestic shares in the company [1] Group 2 - Following the transfer, Foshan Financial Investment will remain the largest single shareholder, holding approximately 24.1558% of the company's issued share capital directly and indirectly as of the announcement date [1]

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]