光正眼科医院集团股份有限公司：下属子公司综合授信及担保事项进展公告

重点内容概述

• 光正眼科医院集团股份有限公司（证券代码：002524）及其控股子公司对外担保总额已超过最近一期经审计归母净资产的100%，均为公司、控股子公司及其下属公司之间的相互担保。
• 2026年度，公司及其合并报表范围内的下属控股子公司和孙公司拟向银行等金融机构申请总额不超过6.2亿元的综合授信及担保额度，用于保证公司正常经营的资金需求。
• 公司及控股子公司间提供的担保额度可循环使用，授信及担保额度有效期为自2025年度股东会审议通过之日起12个月内。
• 近期三家子公司分别与平安国际商业保理（天津）有限公司签订保理合同，合计融资金额3730万元，公司为这三笔融资提供连带责任担保。
• 本次担保后，公司及子公司的担保总金额为4.81亿元，占公司最近一期经审计归母净资产的502.24%，全部为公司及子公司间的互保。
• 公司及控股子公司未对合并报表范围外单位或个人提供担保，无逾期、诉讼等风险事项。

详细内容

综合授信及担保事项

公司于2026年4月22日召开董事会审议通过《2026年度向银行等相关金融机构申请综合授信额度并提供担保及反担保的议案》。公司及其合并报表范围内的下属控股子公司和孙公司将申请总额不超过6.2亿元的综合授信，包括信用贷款、第三方担保贷款、资产抵押贷款、银行承兑汇票、保函、保理、贸易融资、并购贷款、医保贷款、融资性租赁等业务。

公司及控股子公司之间为上述授信提供累计不超过6.2亿元的担保额度，担保可以循环使用，具体担保合同期限以实际签订为准。担保方式涵盖保证担保（包括连带责任担保）、信用担保、资产抵押、质押等，同时涉及反担保，确保第三方为公司及控股子公司办理融资业务提供担保服务。

最新担保进展

• 上海新视界眼科医院有限公司：融资总额1530万元，期限36个月，公司提供连带责任担保。
• 上海新视界东区眼科医院有限公司：融资总额500万元，期限36个月，公司提供连带责任担保。
• 上海新视界中兴眼科医院有限公司：融资总额1700万元，期限36个月，公司提供连带责任担保。

被担保方基本情况及财务数据

公司全资子公司均为公司持有光正新视界100%股权，光正新视界分别持有三家医院100%股权。三家医院均非失信被执行人。各医院资产与负债率较高，部分医院存在亏损（如中兴眼科、东区眼科2025年度净利润为负），但资产规模较大，经营收入可观。

担保合同主要内容

• 担保方式：连带责任保证
• 担保范围：包括主合同项下应付款项及实现债权的各项费用（诉讼、仲裁、律师、公证、执行、保全保险等）以及因保证人违约造成损失。
• 担保期限：自合同签署之日至主债务履行期限届满之日起满两年。

对投资者的重要提示

• 公司及子公司的担保额度已大幅超过归母净资产（502.24%），虽全部为集团内部互保，但担保风险需高度关注。
• 部分被担保子公司存在亏损，可能影响集团整体偿债能力。
• 公司未对外部单位或个人提供担保，无逾期、诉讼等风险事项，整体担保风险主要限于集团内部。
• 本次公告涉及大额担保事项，可能对公司的财务状况和股价产生影响，建议投资者密切关注。

Disclaimer

本文仅为信息披露解读，不构成投资建议。投资者需根据自身风险偏好和对公司经营情况的理解作出投资决策。公司担保额度大幅超过净资产，虽为内部担保，但仍存在一定财务风险。请投资者高度关注相关风险。

Guangzheng Eye Hospital Group Co., Ltd.: Progress Announcement on Subsidiaries’ Comprehensive Credit and Guarantee Matters

Key Highlights

• The company’s total external guarantee amount has exceeded 100% of its most recent audited net assets attributable to the parent, but all guarantees are internal among the company, subsidiaries, and sub-subsidiaries.
• For 2026, the company and its consolidated subsidiaries plan to apply for up to RMB 620 million in comprehensive credit from banks and financial institutions to meet operational funding needs.
• Guarantee amounts between the company and subsidiaries are recyclable within the approved limit. The guarantee period is 12 months from shareholder meeting approval in 2025.
• Recently, three subsidiaries signed factoring contracts with Ping An International Commercial Factoring (Tianjin), totaling RMB 37.3 million in financing, for which the company provides joint liability guarantee.
• After this round, the company and subsidiaries’ total guarantee amount is RMB 481.09 million, representing 502.24% of the company’s latest audited net assets. All are internal guarantees.
• No guarantees outside the consolidated scope, nor overdue debt, litigation, or guarantee losses.

Details

Comprehensive Credit and Guarantee Plans

On April 22, 2026, the board approved the 2026 comprehensive credit and guarantee plan. The company and consolidated subsidiaries will apply for up to RMB 620 million in credit, including credit loans, third-party guaranteed loans, asset mortgage loans, bank acceptance bills, bank guarantees, factoring, trade financing, M&A loans, medical insurance loans, and finance leasing.

Guarantees between company and subsidiaries total up to RMB 620 million, recyclable within the limit. Guarantee methods include joint liability, credit guarantee, asset mortgage, pledge, and counter-guarantee for third-party guarantee services.

Latest Guarantee Developments

• Shanghai Xinshijie Eye Hospital: RMB 15.3 million financing, 36 months, joint liability guarantee.
• Shanghai Xinshijie East District Eye Hospital: RMB 5 million financing, 36 months, joint liability guarantee.
• Shanghai Xinshijie Zhongxing Eye Hospital: RMB 17 million financing, 36 months, joint liability guarantee.

Subsidiary Profiles and Financial Data

All three hospitals are wholly-owned subsidiaries. None are listed as dishonest executors. Asset-liability ratios are high; some subsidiaries are loss-making (Zhongxing and East District Eye Hospitals reported net losses in 2025), but asset sizes and revenues are substantial.

Guarantee Contract Key Points

• Guarantee Method: Joint Liability Guarantee
• Scope: All payments due under main contract and enforcement costs (litigation, arbitration, legal, notary, execution, insurance, etc.) and losses from default.
• Period: From contract signing to two years after main debt maturity.

Important Investor Notes

• The total guarantee amount now far exceeds net assets (502.24%). Though all are internal, the risk is significant and needs close monitoring.
• Some guaranteed subsidiaries are loss-making, which may impact the group’s overall repayment capacity.
• No external guarantees, overdue debts, or litigation risk; risk is limited to internal group entities.
• This announcement involves major guarantee matters and could affect the company’s financials and share price. Investors should pay close attention.

Disclaimer

This article is for information disclosure interpretation only and does not constitute investment advice. Investors should make decisions based on their own risk tolerance and understanding of the company’s operations. The company’s guarantee amount far exceeds net assets; though internal, there is financial risk. Please pay close attention.

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