360 Ludashi Holdings Limited (stock code: 3601) announced a new structured deposit subscription. On 13 November 2025, Chengdu Mijiayou—its subsidiary—entered into an agreement with China Merchants Bank to subscribe for a principal-guaranteed product amounting to RMB50 million, funded by a previously matured deposit. The arrangement leverages idle funds with the goal of generating better returns.

According to the announcement, the structured deposit is gold-linked and offers a floating interest rate, determined by the gold price and set to mature in 61 days (14 November 2025 to 14 January 2026). Its expected annual interest rate ranges from 1.00% to 1.85%, contingent upon the listed gold price at maturity. The product holds an R1 (cautious) risk rating and does not allow for early termination or redemption under normal circumstances.

The company outlined that this transaction, alongside similar previous deposits from China Merchants Bank, constitutes an aggregated “discloseable transaction” under Chapter 14 of the Listing Rules. The percentage ratios exceed 5% but remain below 25%. The directors stated that the subscription takes place on normal commercial terms and is expected to make efficient use of the company’s available funds without affecting operational liquidity.