费用“一单清”

Core Points - The People's Bank of China Suining Branch has initiated a pilot program to clarify comprehensive financing costs for enterprises, focusing on transparency and service precision [1][2] - The program aims to help small and micro enterprises understand the breakdown of financing costs, including interest and non-interest fees, through a detailed cost list [2][3] - Training sessions for bank staff have been conducted to enhance understanding and communication of financing costs to clients, resulting in increased customer trust and satisfaction [3] Summary by Sections Pilot Implementation - The pilot program was officially launched in March 2025, targeting small and private enterprises, with 17 banks and 463 branches in Suining participating [2] - A comprehensive financing cost list is provided to clients, detailing all associated fees, which has improved their understanding of total financing costs [2] Clear Guidance - The initiative has led to a significant increase in customer trust and satisfaction, as all fees are now clearly outlined [3] - Over 40 training sessions have been held for bank employees, with more than 800 staff trained to effectively communicate the financing cost structure to clients [3] Service Optimization - The program has resulted in banks covering certain fees for clients, leading to direct financial benefits, such as a client saving over 2000 yuan on a loan application [4] - Since the pilot's launch, banks have waived 181,400 yuan in fees for clients who filled out the financing cost list, with the average interest rate for new loans to small enterprises in May 2025 being 3.88%, a decrease of 0.33 percentage points year-on-year [4]