兴业银行北京分行积极响应人民银行号召 全面推动科技型中小企业“明示综合融资成本”试点工作提质增效

Group 1 - The core viewpoint of the initiative is to enhance financial service transparency and reduce comprehensive financing costs for enterprises, particularly focusing on technology-based SMEs [1] - The pilot program has been launched by the Beijing branch of Industrial Bank, targeting technology SMEs to provide a clear breakdown of financing costs through a detailed cost list [2] - The pilot aims to strengthen trust between banks and enterprises by presenting a comprehensive view of financing costs, which includes principal, interest, guarantee fees, and assessment fees [2] Group 2 - To expand the pilot program, the bank has implemented a "special training + one-on-one guidance" mechanism to ensure accurate communication of policy intentions to frontline staff [3] - The bank is also providing personalized support to enterprises to help them understand the cost breakdown and the rationale behind various fees [3] - The initiative aims to create a seamless connection between the cost transparency process and loan approval [3] Group 3 - The bank plans to enhance customer engagement through multi-channel promotion of the importance of financing cost transparency [4] - A feedback loop will be established to collect and address suggestions from participating enterprises, allowing for dynamic service optimization [4] - The bank aims to summarize pilot experiences to create a replicable service model for technology SMEs, extending the initiative to all financing enterprises [4]