侨银股份调剂担保额度及南昌侨睿银行融资担保公告（2026年）

侨银城市管理股份有限公司调剂担保额度暨担保进展公告详解

一、公告核心内容

侨银城市管理股份有限公司（证券代码：002973，债券代码：128138）于2026年5月19日发布了关于调剂担保额度暨担保进展的公告。此次公告涉及母公司对全资子公司担保额度的内部调剂，以及新增银行融资担保事项，具体情况如下：

担保额度调剂：公司将全资子公司广州腾达供应链有限公司未使用的担保额度1,000万元调剂给另一全资子公司南昌侨睿环保科技有限公司。调剂后，广州腾达未使用的担保额度降至1,073万元，南昌侨睿获得1,000万元担保额度。
新增银行融资担保：南昌侨睿环保科技有限公司拟向中国建设银行新建支行申请不超过1,000万元的流动资金贷款，公司为该笔贷款提供无偿连带责任担保。
担保总量与结构：公司对子公司的实际担保余额增至40,415.51万元，未使用担保额度为66,584.49万元。公司及控股子公司对外实际担保总余额为143,415.13万元，占2025年度经审计净资产的55.58%。对合并报表外主体的担保为4,543.30万元，占比1.76%。
资产负债率：调剂的担保额度适用于资产负债率70%以上的子公司。
合同主要条款：贷款合同金额不超过1,000万元，期限不超过12个月；担保合同为连带责任保证，担保本金最高额为1,000万元，保证期间为主合同履行期届满后三年。

二、对股东的影响与潜在价格敏感事项

风险与影响：南昌侨睿为公司合并报表范围内的全资子公司，公司为其银行融资提供担保，有利于子公司业务拓展与资金流动性增强。公告明确本次担保事项不会对公司日常经营造成实质性影响，符合公司整体利益。
担保风险：公司对外担保总余额占净资产比例较高（55.58%），虽未出现逾期担保或诉讼，但高担保比例需引起投资者关注。
资金用途：南昌侨睿经营发展涉及城市垃圾经营、道路运输、市容管理、市政设施等，近一年营业收入和利润表现良好，2025年净利润682.27万元，2026年一季度净利润147.05万元。
公告明确担保事项已获公司股东大会授权，无需额外董事会/股东会审批。

三、交易对方及被担保人详细资料

银行信息：中国建设银行股份有限公司新建支行，非关联方，不是失信被执行人。
南昌侨睿公司信息：注册资本200万元，资产总额2026年一季度为4,999.38万元，负债总额4,189.46万元，净资产809.92万元，业务涵盖城市垃圾、市政设施、绿化管理等。

四、合同主要内容与担保责任

贷款合同金额不超过1,000万元，期限不超12个月。
担保合同为连带责任保证，担保本金最高额1,000万元，保证期间为主合同履行期限届满后三年。
担保范围包括本金、利息、违约金、赔偿金以及实现债权与担保权的所有费用。

五、公司担保总额与合规情况

公司及控股子公司对外担保余额143,415.13万元，未出现逾期担保、诉讼担保或因担保被判决败诉情况。
公告所涉担保事项均在公司2025年度担保额度预计及授权范围之内。

六、投资者需关注事项

高担保余额风险：公司担保总额占净资产比例较高，投资者应关注公司后续财务状况及担保风险管理。
子公司经营情况：南昌侨睿经营业绩稳健，担保贷款将用于业务发展，相关业务增长或可提升集团整体盈利能力。
无逾期担保或诉讼风险：短期内无明显负面影响，但需关注如贷款违约等情形对母公司财务的影响。

七、备查文件

《人民币流动资金贷款合同》
《本金最高额保证合同》

免责声明

本文章仅为投资者提供信息参考，不构成任何投资建议。投资者应结合自身风险偏好与专业判断，审慎决策。公司公告所涉担保事项虽在授权范围内，但高担保余额需持续关注。对公告内容如有疑问，请以公司正式公告及后续披露为准。

English Version
Key Analysis: Qiaoyin City Management Co. Ltd. Guarantee Quota Adjustment and Progress Announcement

Key Analysis: Qiaoyin City Management Co. Ltd. Guarantee Quota Adjustment and Progress Announcement

1. Key Points of the Announcement

Qiaoyin City Management Co. Ltd. (Stock code: 002973, Bond code: 128138) issued an announcement on May 19, 2026, regarding the adjustment of guarantee quotas and the progress of related guarantees. The announcement covers internal adjustment of guarantee quotas among wholly-owned subsidiaries, and new guarantee obligations for bank financing. Details are as follows:

Guarantee Quota Adjustment: The company transferred RMB 10 million unused guarantee quota from its wholly-owned subsidiary Guangzhou Tengda Supply Chain Co. Ltd. to Nanchang Qiaorui Environmental Technology Co. Ltd., another wholly-owned subsidiary. After adjustment, Guangzhou Tengda’s unused quota decreases to RMB 10.73 million, while Nanchang Qiaorui receives RMB 10 million quota.
New Bank Financing Guarantee: Nanchang Qiaorui plans to apply for a RMB 10 million working capital loan from China Construction Bank Xinjiang Branch. Qiaoyin will provide an unconditional joint liability guarantee for this loan.
Guarantee Total and Structure: The company’s actual guarantee balance for subsidiaries rises to RMB 404.1551 million, with RMB 665.8449 million unused quota remaining. Total external guarantee balance is RMB 1,434.1513 million, accounting for 55.58% of 2025 audited net assets. Guarantee for entities outside consolidated statements is RMB 45.433 million (1.76%), mainly for project companies.
Asset-Liability Ratio: The adjusted quotas apply to subsidiaries with asset-liability ratios above 70%.
Contract Terms: Loan contract up to RMB 10 million, term up to 12 months; guarantee contract is joint liability, maximum principal RMB 10 million, guarantee period is three years after principal contract expiry.

2. Impact on Shareholders and Price-Sensitive Information

Risks and Impact: Nanchang Qiaorui is a wholly-owned subsidiary within the consolidated scope. Guaranteeing its bank financing supports business expansion and liquidity. The announcement clarifies no material impact on daily operations and aligns with overall interests.
Guarantee Risk: The company’s total external guarantee balance is high (55.58% of net assets). There is currently no overdue or litigation, but the high guarantee ratio requires investor attention.
Use of Funds: Nanchang Qiaorui is engaged in urban waste, road transport, city management, municipal facilities, etc. Recent annual net profit is RMB 6.8227 million, Q1 2026 net profit RMB 1.4705 million.
Guarantee Matters Authorized: All guarantee matters are within shareholder meeting authorization, no further board or shareholder resolutions needed.

3. Transaction Counterparty and Guaranteed Party Details

Bank Info: China Construction Bank Xinjiang Branch, not related party, not a dishonest executor.
Nanchang Qiaorui Info: Registered capital RMB 2 million, Q1 2026 assets RMB 49.9938 million, liabilities RMB 41.8946 million, net assets RMB 8.0992 million, business covers urban waste, city management, greening, etc.

4. Main Contract Content & Guarantee Responsibilities

Loan contract up to RMB 10 million, term no more than 12 months.
Guarantee contract is joint liability, maximum principal RMB 10 million, guarantee period is three years after the loan contract expires.
Guarantee covers principal, interest, penalty, compensation, and all expenses for realization of creditor and guarantee rights.

5. Company Guarantee Total & Compliance

Total external guarantee balance RMB 1,434.1513 million, no overdue guarantees or litigation.
All guarantee matters are within 2025 annual quota and authorization scope.

6. Investor Considerations

High Guarantee Balance Risk: Guarantee balance is high relative to net assets, investors should monitor financial health and risk management.
Subsidiary Performance: Nanchang Qiaorui’s solid operating results, loan guarantee may support further business growth, potentially enhancing group profitability.
No Overdue Guarantee or Litigation Risk: No immediate negative impact, but investors should watch for potential loan defaults and their effect on parent company finances.

7. Reference Documents

RMB Working Capital Loan Contract
Maximum Principal Guarantee Contract

Disclaimer

This article is for information purposes only and does not constitute investment advice. Investors should make decisions based on their own risk tolerance and professional judgment. Although guarantee matters are authorized, the high guarantee balance should be monitored. For further questions, refer to official company disclosures.