Sou Hu Cai Jing·2025-08-21 10:38Core Insights - The introduction of the "Loan Clarity Sheet" aims to enhance transparency in financing costs for enterprises, allowing them to clearly understand loan-related expenses such as interest and assessment fees [2][3] - The pilot program initiated by the Panzhihua branch of Postal Savings Bank focuses on improving professional capabilities, enhancing promotional efforts, and fostering trust between banks and enterprises [3][4] Group 1: Loan Clarity Initiative - The "Loan Clarity Sheet" allows enterprises to see all financing costs unified as an annualized rate, breaking down the "ambiguity of financing costs" [2] - The pilot program started in April 2025, with the Panzhihua branch of the People's Bank of China overseeing the initiative [2] - The program has already seen the approval of 800 million yuan in loans, with the bank covering 11,000 yuan in property assessment fees for a local construction company [2] Group 2: Bank's Strategic Actions - Postal Savings Bank has organized specialized training for customer managers to ensure accurate and transparent communication of costs to enterprises [3] - The bank has distributed 5,000 promotional brochures about the "Loan Clarity Sheet" and utilized advertising screens to explain financing cost structures [3] - As of July, the bank's personal business loan balance reached 1.556 billion yuan, leading among state-owned banks in the city, with 17 "Loan Clarity Sheets" filled out covering loans totaling 188 million yuan [3] Group 3: Future Directions - The bank plans to expand the pilot program to include online loans, aiming to address the "high financing" issue and promote a win-win development model between banks and enterprises [4]