美克国际家居用品股份有限公司（ST美克）控股股东担保逾期进展公告：风险与细节深度解析
一、公告重点回顾
- 逾期担保总额巨大：截至2026年5月12日，公司为控股股东美克投资集团有限公司（美克集团）提供的担保已逾期，逾期总金额高达66,360万元，当前担保余额为65,069.89万元。
- 涉及多家金融机构：担保涉及新疆天山农村商业银行、新疆昌吉农村商业银行、乌鲁木齐银行、兴业银行、中国进出口银行、哈密市商业银行、北京银行等多家银行。
- 担保事项均有反担保：所有逾期担保均拥有反担保安排。
- 未涉及诉讼但风险显著：目前相关融资业务暂未进入诉讼程序，但公告明确提示后续存在诉讼风险。
- 公司将采取追偿措施：公司表示将与美克集团积极沟通，必要时采取追偿措施，并持续履行信息披露义务。
二、详细担保逾期情况
本次公告披露了14笔逾期担保，具体如下：
| 序号 | 金融机构 | 担保金额（万元） | 担保余额（万元） | 担保开始日 | 担保期限 | 是否有反担保 |
|---|---|---|---|---|---|---|
| 1 | 兴业银行乌鲁木齐分行 | 5,100.00 | 5,100.00 | 2024/1/16 | 债务履行期限届满之日起三年 | 有 |
| 2 | 中国进出口银行新疆维吾尔自治区分行 | 15,000.00 | 15,000.00 | 2024/6/21 | 债务履行期限届满之日起三年 | 有 |
| 3 | 兴业银行乌鲁木齐分行 | 1,900.00 | 1,900.00 | 2024/8/28 | 债务履行期限届满之日起三年 | 有 |
| 4 | 兴业银行乌鲁木齐分行 | 3,000.00 | 3,000.00 | 2024/10/17 | 债务履行期限届满之日起三年 | 有 |
| 5 | 哈密市商业银行乌鲁木齐分行 | 2,660.00 | 2,660.00 | 2024/11/9 | 债务履行期限届满之日起三年 | 有 |
| 6 | 新疆乌鲁木齐农村商业银行 | 6,000.00 | 6,000.00 | 2024/11/28 | 债务履行期限届满之日起三年 | 有 |
| 7 | 新疆昌吉农村商业银行 | 7,000.00 | 6,159.99 | 2023/3/17 | 主债务履行期限届满之日起三年 | 有 |
| 8 | 新疆天山农村商业银行 | 9,000.00 | 8,550.00 | 2023/3/17 | 主债务履行期限届满之日起三年 | 有 |
| 9 | 北京银行乌鲁木齐分行 | 2,000.00 | 2,000.00 | 2024/9/24 | 主合同下被担保债务的履行期届满之日起三年 | 有 |
| 10 | 新疆天山农村商业银行 | 6,700.00 | 6,700.00 | 2024/4/18 | 主债务履行期限届满之日起三年 | 有 |
| 11 | 新疆昌吉农村商业银行 | 2,000.00 | 1,999.97 | 2024/4/18 | 主债务履行期限届满之日起三年 | 有 |
| 12 | 新疆昌吉农村商业银行 | 1,000.00 | 999.96 | 2024/4/19 | 主债务履行期限届满之日起三年 | 有 |
| 13 | 新疆昌吉农村商业银行 | 3,000.00 | 2,999.97 | 2024/4/22 | 主债务履行期限届满之日起三年 | 有 |
| 14 | 乌鲁木齐银行营业部 | 2,000.00 | 2,000.00 | 2024/4/28 | 债务履行期限届满之日起三年 | 有 |
合计担保金额：66,360.00万元
担保余额：65,069.89万元
三、股东需重点关注事项
- 诉讼风险：虽然目前未进入诉讼环节，但公告直言后续存在诉讼风险。若发生诉讼，公司可能面临承担连带担保责任。
- 财务压力加剧：逾期担保事项可能导致公司财务费用增加，并加剧资金紧张状况。
- 公司追偿措施：公司将与美克集团沟通，必要时采取追偿措施，以保护公司及投资者利益。
- 持续信息披露：公司承诺持续关注事项进展，并及时披露相关信息。
四、对投资者影响分析
- 风险提示：本次逾期担保金额巨大，若不能妥善解决，公司可能会面临巨额财务压力，甚至影响公司正常经营。
- 股价波动可能：担保逾期及诉讼风险是重大不利信息，对公司股价可能造成压力，投资者需密切关注相关进展。
- 公司信誉风险：作为上市公司，为控股股东大额担保且逾期，可能影响公司信誉及融资能力。
五、结语
美克国际家居用品股份有限公司此次公告披露了控股股东大额担保逾期，风险显著。公司后续采取的措施及相关进展将对公司财务状况和股价产生重要影响，投资者需高度关注，谨慎决策。
免责声明：本文基于公司官方公告整理，仅供投资者参考。投资决策需结合自身风险偏好，本文不构成投资建议。公司情况可能发生变化，投资者应持续关注后续公告。
Mak International Home Furnishings Co., Ltd. (ST Mak) – Detailed Progress on Overdue Guarantees for Controlling Shareholder
Key Highlights
- Large Overdue Guarantee Amount: As of May 12, 2026, the company’s guarantees for its controlling shareholder, Mak Investment Group Co., Ltd. (“Mak Group”), are overdue. The total overdue amount is RMB 663.6 million, with a current guarantee balance of RMB 650.6989 million.
- Multiple Financial Institutions Involved: The guarantees cover borrowings from Xinjiang Tianshan Rural Commercial Bank, Xinjiang Changji Rural Commercial Bank, Urumqi Bank, Industrial Bank, Export-Import Bank of China, Hami Commercial Bank, and Beijing Bank.
- Counter-Guarantees in Place: All overdue guarantees have counter-guarantee arrangements.
- No Lawsuit Yet, But Significant Risk: The company notes that, while the overdue guarantees have not yet entered litigation, there is a clear risk of future lawsuits.
- Company Action: The company will communicate with Mak Group and take recourse measures if necessary, continuing to fulfill information disclosure obligations.
Details of Overdue Guarantees
The announcement lists 14 overdue guarantees:
| No. | Financial Institution | Guarantee Amount (RMB mn) | Guarantee Balance (RMB mn) | Start Date | Guarantee Term | Counter-Guarantee |
|---|---|---|---|---|---|---|
| 1 | Industrial Bank Urumqi Branch | 51 | 51 | 2024/1/16 | 3 years after debt maturity | Yes |
| 2 | Export-Import Bank of China Xinjiang Branch | 150 | 150 | 2024/6/21 | 3 years after debt maturity | Yes |
| 3 | Industrial Bank Urumqi Branch | 19 | 19 | 2024/8/28 | 3 years after debt maturity | Yes |
| 4 | Industrial Bank Urumqi Branch | 30 | 30 | 2024/10/17 | 3 years after debt maturity | Yes |
| 5 | Hami Commercial Bank Urumqi Branch | 26.6 | 26.6 | 2024/11/9 | 3 years after debt maturity | Yes |
| 6 | Xinjiang Urumqi Rural Commercial Bank | 60 | 60 | 2024/11/28 | 3 years after debt maturity | Yes |
| 7 | Xinjiang Changji Rural Commercial Bank | 70 | 61.5999 | 2023/3/17 | 3 years after debt maturity | Yes |
| 8 | Xinjiang Tianshan Rural Commercial Bank | 90 | 85.5 | 2023/3/17 | 3 years after debt maturity | Yes |
| 9 | Beijing Bank Urumqi Branch | 20 | 20 | 2024/9/24 | 3 years after debt maturity | Yes |
| 10 | Xinjiang Tianshan Rural Commercial Bank | 67 | 67 | 2024/4/18 | 3 years after debt maturity | Yes |
| 11 | Xinjiang Changji Rural Commercial Bank | 20 | 19.9997 | 2024/4/18 | 3 years after debt maturity | Yes |
| 12 | Xinjiang Changji Rural Commercial Bank | 10 | 9.9996 | 2024/4/19 | 3 years after debt maturity | Yes |
| 13 | Xinjiang Changji Rural Commercial Bank | 30 | 29.9997 | 2024/4/22 | 3 years after debt maturity | Yes |
| 14 | Urumqi Bank Headquarters | 20 | 20 | 2024/4/28 | 3 years after debt maturity | Yes |
Total Guarantee Amount: RMB 663.6 million
Guarantee Balance: RMB 650.6989 million
Investor Focus Points
- Lawsuit Risk: Although not yet in litigation, the company warns of significant risk. If lawsuits occur, the company may be liable for joint guarantee responsibility.
- Financial Pressure: The overdue guarantees could result in higher financial costs and tighter cash flow for the company.
- Recourse Actions: The company will take measures to recover the funds from Mak Group as needed.
- Continuous Disclosure: The company pledges to keep investors informed of developments.
Potential Impact Analysis
- Risk Alert: The large overdue guarantee amounts pose significant risk. Failure to resolve could strain finances and affect normal operations.
- Share Price Volatility: The overdue guarantees and lawsuit risk are major negative factors that could pressure the share price. Investors should closely monitor developments.
- Credibility Risk: As a listed company, providing large guarantees for the controlling shareholder and facing overdue issues may impact creditworthiness and financing ability.
Conclusion
Mak International Home Furnishings has disclosed substantial overdue guarantees for its controlling shareholder, posing significant risks. The company’s subsequent actions and the outcome will have material impact on its financial health and share price. Investors should remain alert and make decisions cautiously.
Disclaimer: This article is compiled from official company disclosures and is for investor reference only. It does not constitute investment advice. Investors should consider their own risk tolerance and monitor future announcements.