大位数据科技（广东）集团股份有限公司对外担保进展公告详细解读
关键信息摘要
- 担保对象：全资子公司——北京金云雅创物联科技有限公司（简称“金云公司”）。
- 本次担保金额：700万元人民币。
- 累计为金云公司提供的担保余额：20,200万元人民币。
- 上市公司及控股子公司对外担保总额：250,972.29万元，占最近一期经审计净资产的385.22%。
- 本次担保无反担保措施。
- 被担保公司资产负债率高达90.14%，显示出较高的财务杠杆风险。
- 本次担保已在公司2026年度担保额度预计范围内。
- 本次担保涉及连带责任保证，担保范围涵盖主债权本金、利息、违约金及实现债权的所有相关费用。
事件详细解析
大位数据科技（广东）集团股份有限公司（以下简称“大位科技”）于近日与华夏银行北京丽泽支行签署了《最高额保证合同》，为全资子公司金云公司于2026年6月10日至2027年6月10日期间向该银行申请开立的国内信用证提供连带责任保证，担保金额不超过700万元人民币。本次担保无需提供反担保措施。
决策过程：公司于2025年12月4日及12月22日分别召开董事会和股东大会，批准2026年度担保额度预计，总额度不超过888,569.98万元，其中为金云公司预计的担保额度为27,000万元。截至本次公告前，公司为金云公司已提供担保余额19,500万元，本次担保后提升至20,200万元，剩余可用额度为6,800万元。
被担保人详细情况
- 名称：北京金云雅创物联科技有限公司
- 公司性质：大位科技全资子公司，注册资本9,000万元。
- 资产负债率：2026年3月31日数据为90.14%，显示出高杠杆特征。
- 主要财务数据：
- 资产总额：38,832.86万元
- 负债总额：35,003.67万元
- 净资产：3,829.19万元
- 2026年1-3月营业收入：2,494.43万元，净利润505.67万元（2025年度净利润为-17.50万元）
- 失信情况：截至公告披露日，金云公司未被列为失信被执行人。
担保协议主要内容
- 担保类型：连带责任保证
- 担保期限：三年，起算时间以债务履行期限届满日或被担保债权确定日为准。
- 担保范围：主债权本金、利息、逾期利息、罚息、复利、违约金、损害赔偿金、汇率损失、实现债权相关费用等。
- 最高担保额仅为主债权本金的最高限额，其他费用不计入担保额但需承担保证责任。
对股东及市场的重大影响与风险提示
- 高比例担保风险：截至公告日，公司及其控股子公司对外担保总额达250,972.29万元，占公司净资产的385.22%。本次担保金额虽不大，但进一步提升了整体担保风险。
- 被担保公司资产负债率极高：金云公司资产负债率高达90.14%，一旦经营或资金链出现问题，母公司需承担较大连带清偿风险。
- 已超监管红线：公告特别提示担保金额（含本次）已超过净资产的50%，且对外担保总额也超过净资产100%，明显高于市场通行风险警示线。
- 对公司及中小股东影响：大额对外担保可能影响公司资金安全及中小股东利益，投资者需高度关注相关风险。
- 暂无逾期担保及对控股股东、实际控制人及关联人担保情况。
公司声明
公司表示本次担保为全资子公司生产经营需要，担保风险总体可控，符合公司发展战略，不存在损害公司及中小股东利益情形。
结论与投资者关注点
本次担保虽为常规经营性支持，但由于公司整体对外担保比例极高、子公司财务杠杆明显偏高，综合风险敞口较大，属于重大事项，投资者应高度关注相关风险变化，密切关注公司后续公告和经营动向。
免责声明：本文仅为信息披露解读，不构成任何投资建议。投资有风险，决策前请咨询专业人士。
Detailed Analysis of Dawedata Technology (Guangdong) Group Co., Ltd. External Guarantee Progress Announcement
Key Highlights
- Guarantee Target: Wholly-owned subsidiary—Beijing Jinyun Yachuang IoT Technology Co., Ltd. (“Jinyun Company”).
- This Guarantee Amount: RMB 7 million.
- Total Guarantee Balance for Jinyun Company: RMB 202 million.
- Total External Guarantees (Parent + Subsidiaries): RMB 2,509.72 million, accounting for 385.22% of the latest audited net assets.
- No counter-guarantee for this guarantee.
- Guaranteed company asset-liability ratio is as high as 90.14%, indicating high leverage risk.
- This guarantee is within the pre-approved 2026 guarantee quota.
- Guarantee is joint and several liability, covering principal, interest, penalty, and all costs for realization of creditor’s rights.
Event Details
Dawedata Technology (Guangdong) Group Co., Ltd. (“Dawedata Technology”) recently signed a maximum guarantee contract with Huaxia Bank Beijing Lize Branch. It provides a joint and several guarantee for letters of credit opened by its wholly-owned subsidiary Jinyun Company from June 10, 2026 to June 10, 2027, with an amount not exceeding RMB 7 million. No counter-guarantee is required for this guarantee.
Decision Process: The company held board and shareholder meetings on December 4 and 22, 2025, approving a total 2026 guarantee quota of no more than RMB 8,885.70 million, with RMB 270 million allocated for Jinyun Company. Before this guarantee, the balance was RMB 195 million; after this, it increased to RMB 202 million, leaving RMB 68 million available quota.
Details of the Guaranteed Party
- Name: Beijing Jinyun Yachuang IoT Technology Co., Ltd.
- Nature: Dawedata Technology’s wholly-owned subsidiary, registered capital RMB 90 million.
- Asset-liability ratio: 90.14% (March 31, 2026), indicating high leverage.
- Main financials:
- Total assets: RMB 388.33 million
- Total liabilities: RMB 350.04 million
- Net assets: RMB 38.29 million
- 2026 Q1 revenue: RMB 24.94 million; net profit: RMB 5.06 million (2025: net loss RMB -0.18 million)
- Credit record: No record of dishonest execution as of this announcement.
Main Guarantee Agreement Details
- Type: Joint and several liability guarantee
- Term: 3 years; calculation based on debt maturity or determination date of guaranteed debt.
- Scope: Principal, interest, overdue interest, penalties, compound interest, damages, FX losses, and all costs for realization.
- Maximum guarantee only applies to principal, but company is liable for all related costs.
Major Risks and Shareholder-Important Issues
- High guarantee risk: Total external guarantees reach 385.22% of net assets, far exceeding typical regulatory warnings. This further raises risk exposure for Dawedata Technology.
- Guaranteed company highly leveraged: Jinyun’s asset-liability ratio is 90.14%, meaning any operational or liquidity issue could trigger a large repayment burden for the parent.
- Regulatory red line breached: Both single and total guarantee amounts exceed 50% and 100% of net assets respectively, a significant risk flag.
- Impact on company and minority shareholders: Large guarantees may threaten company and minority shareholder interests; investors should be on high alert.
- No overdue guarantees, nor guarantees to controlling shareholders or related parties as of now.
Company Statement
The company claims this guarantee is needed for the subsidiary’s operations and is manageable, with no harm to company or minority shareholder interests.
Conclusion & Investor Focus
Although this guarantee is part of routine operations, the company’s overall guarantee exposure is extremely high, and the subsidiary is highly leveraged. This represents a major risk and is a material issue that could affect share price. Investors should closely monitor further developments and company disclosures.
Disclaimer: The above is for information disclosure interpretation only and does not constitute investment advice. Please consult professionals before making investment decisions. Investments entail risk.
