安徽新力金融为控股子公司提供大额担保，担保总额占净资产近九成

要点摘要

• 安徽新力金融股份有限公司（600318.SH）近日公告，为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”）提供合计1.16亿元人民币的连带责任保证担保。
• 本次担保后，公司及控股子公司对外担保总额已达9.70亿元，占公司最近一期经审计净资产的89.01%，远超50%红线，属于重大事项。
• 截至公告日，公司及子公司无逾期担保、诉讼担保或因担保被判决败诉的情况。
• 本次担保未设反担保，担保对象为公司合并报表范围内控股子公司。
• 担保计划已获年度股东大会授权，无需再次提交董事会及股东会审议。

详细内容

一、担保事项概述

安徽新力金融股份有限公司（简称“公司”）于2026年4月24日公告，为控股子公司安徽德润融资租赁股份有限公司向交通银行安徽省分行（授信额度6600万元）及中国银行合肥蜀山支行（授信额度5000万元）申请授信提供连带责任保证担保，合计担保金额为人民币1.16亿元。担保期限为主债务履行期限届满之日起三年。此次担保事项在公司2025年度股东大会审议通过的年度担保计划授权范围内，无需另行召开董事会及股东会审议。

二、累计担保及重要风险事项

截至本公告日，公司及控股子公司对外担保总额为9.70亿元（含本次），其中控股子公司为下属公司对外担保总额为8705.54万元。该担保总额占公司最近一期经审计净资产（10.89亿元）的89.01%，已经超过50%的重要监管红线，属于重大担保事项，具有较强的价格敏感性，投资者应予高度关注。

公司强调，未对控股股东、实际控制人及其关联人提供担保。且截至公告披露日，无逾期担保、诉讼担保或因担保被判决败诉而承担损失的情形。

三、被担保人基本情况

• 公司名称：安徽德润融资租赁股份有限公司
• 公司性质：公司控股子公司（持股比例59.92%）
• 成立时间：2013年5月6日
• 注册地址：安徽省合肥市高新技术产业开发区望江西路800号创新产业园一期A2-615
• 注册资本：8.17亿元人民币
• 主要业务：融资租赁、医疗器械销售、经营性租赁、租赁信息咨询、信用担保、项目投资及管理等。
• 财务数据（2025年12月31日/2026年3月31日）：
  – 资产总额：27.78亿元/29.72亿元
  – 负债总额：14.89亿元/16.50亿元
  – 净资产：12.90亿元/13.22亿元
  – 2025年度营业收入：2.36亿元，净利润0.95亿元
  – 2026年一季度营业收入：6364.66万元，净利润3251.5万元
• 企业信用：不属于失信被执行人。

四、担保协议主要内容

• 债权人：交通银行股份有限公司安徽省分行、中国银行合肥蜀山支行
• 保证人：安徽新力金融股份有限公司
• 担保方式：连带责任保证
• 担保金额：合计1.16亿元人民币
• 保证范围：主合同项下的本金、利息（法定、约定及罚息）、复利、违约金、损害赔偿金、实现债权的所有费用等。
• 反担保措施：无。
• 保证期间：主债务履行期限届满之日起三年。

五、董事会意见及风险控制

董事会认为，本次担保事项属于公司为控股子公司正常生产经营及业务拓展需要，担保对象为公司合并报表范围内控股子公司，公司对其有实际控制权，风险可控。经董事会和股东大会授权，担保额度及程序合规，不存在损害上市公司及全体股东利益的情形。公司将持续关注被担保方的经营与财务状况，有效防控担保风险。

投资者需要关注的重大事项

• 公司对外担保总额占净资产比例已接近90%，远高于监管红线，反映出公司整体杠杆水平较高，财务风险值得密切关注。
• 本次担保未设反担保措施，若被担保方出现经营风险，母公司将承担较大连带责任。
• 担保对象为控股子公司且未出现失信或重大财务异常，但高额担保仍可能对公司资金流动性及未来盈利能力产生影响。
• 投资者需密切关注公司后续财务状况及控股子公司经营情况，防范潜在财务风险的传递。

免责声明

本文内容仅供投资者参考，不构成任何投资建议。投资者应结合自身风险承受能力，审慎决策。公司经营及财务状况如发生重大变化，敬请关注公司后续公告信息。

English Version

Anhui Xinli Financial Provides Significant Guarantee to Subsidiary, Total Guarantees Near 90% of Net Assets

Key Highlights

• Anhui Xinli Financial Co., Ltd. (600318.SH) announced it will provide a joint and several liability guarantee totaling RMB 116 million for its controlling subsidiary, Anhui Derun Financial Leasing Co., Ltd. (“Anhui Derun”).
• After this guarantee, the total external guarantees by the company and its subsidiaries reached RMB 970 million, accounting for 89.01% of the company’s latest audited net assets, far exceeding the 50% red line, making this a significant matter.
• As of the announcement date, the company and its subsidiaries have no overdue guarantees, guarantee-related litigation, or losses due to guarantee judgments.
• This guarantee does not involve counter-guarantee and the guarantee target is within the company’s consolidated range (controlling subsidiary).
• The guarantee plan has been authorized by the annual shareholders’ meeting and does not require additional board or shareholders’ meeting resolutions.

Details

1. Guarantee Overview

On April 24, 2026, Anhui Xinli Financial Co., Ltd. announced a joint and several liability guarantee of RMB 116 million for its controlling subsidiary, Anhui Derun Financial Leasing Co., Ltd., in support of credit lines from Bank of Communications Anhui Branch (RMB 66 million) and Bank of China Hefei Shushan Sub-branch (RMB 50 million). The guarantee period is three years after the principal debt performance period ends. The guarantee is within the annual guarantee plan authorized by the 2025 shareholders’ meeting, requiring no additional board or general meeting approval.

2. Accumulated Guarantees & Major Risk Points

As of this announcement, the company and its subsidiaries’ total external guarantees (including this time) have reached RMB 970 million, with guarantees by subsidiaries for their own sub-units totaling RMB 87.05 million. This accounts for 89.01% of the company’s latest audited net assets (RMB 1.089 billion), well above the 50% regulatory threshold, making it highly price-sensitive and worthy of close investor attention.

The company stresses that it has not provided guarantees to its controlling shareholders, actual controllers, or their related parties. There are currently no overdue, litigation-related or loss-bearing guarantees.

3. Guaranteed Subsidiary Basic Information

• Name: Anhui Derun Financial Leasing Co., Ltd.
• Company type: Controlling subsidiary (59.92% owned by the listed company)
• Established: May 6, 2013
• Registered capital: RMB 816.67 million
• Main business: Financial leasing, medical device sales, operating lease, lease consulting, credit guarantee, project investment and management.
• Key financials (2025.12.31/2026.03.31):
  – Total assets: RMB 2.778 billion / RMB 2.972 billion
  – Total liabilities: RMB 1.489 billion / RMB 1.650 billion
  – Net assets: RMB 1.290 billion / RMB 1.322 billion
  – 2025 revenue: RMB 235.7 million, net profit: RMB 94.86 million
  – Q1 2026 revenue: RMB 63.65 million, net profit: RMB 32.52 million
• Credit status: Not a dishonest defaulter.

4. Main Guarantee Agreement Terms

• Creditors: Bank of Communications Anhui Branch, Bank of China Hefei Shushan Sub-branch
• Guarantor: Anhui Xinli Financial Co., Ltd.
• Guarantee type: Joint and several liability guarantee
• Guarantee amount: RMB 116 million
• Scope: Principal, interest (statutory, agreed, penalty), compound interest, liquidated damages, damages, all costs of debt realization.
• Counter-guarantee: None
• Duration: Three years after the main debt performance period ends

5. Board Opinion & Risk Control

The board believes this guarantee is for subsidiary business needs, the guarantee target is within the consolidated scope, and the company has effective control. The guarantee amount and process comply with regulations and do not harm the interests of the company or shareholders. The company will closely monitor the subsidiary’s operations and financials to manage guarantee risks.

Major Issues Investors Should Watch

• The guarantee total is close to 90% of net assets, well above regulatory thresholds, indicating high leverage and financial risk.
• No counter-guarantee is provided. If the subsidiary defaults, the parent company faces significant liability.
• Though the guaranteed party is not in default and is operating regularly, high guarantee levels may impact liquidity and profitability.
• Investors should monitor future financial and operational developments at both the parent and subsidiary levels for potential risk transmission.

Disclaimer

The content above is for investor reference only and does not constitute any investment advice. Investors should make prudent decisions according to their own risk tolerance. Please pay close attention to future company disclosures for any significant changes in business or financial status.

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