算清融资每一分钱，深圳农商银行“贷款明白纸”帮助企业理清融资账目

Core Viewpoint - Shenzhen Rural Commercial Bank has introduced a "Loan Clarity Paper" to enhance transparency in financing costs for small and micro enterprises, allowing them to understand the comprehensive financing costs clearly and avoid hidden fees [1][3][5]. Group 1: Loan Clarity Paper Overview - The "Loan Clarity Paper" is a comprehensive cost list that details all expenses related to enterprise loans, including interest, assessment fees, insurance fees, guarantee fees, registration fees, and notarization fees, clearly indicating the charging entities, payment methods, and cycles [3][5]. - This initiative aims to break down the information barriers regarding financing costs, enabling enterprises to see exactly where their money is going and ensuring that they only pay the loan interest without any third-party fees for certain loans [5][9]. Group 2: Benefits for Enterprises - The implementation of the "Loan Clarity Paper" provides three main benefits: full transparency of costs, guaranteed rights, and deeper trust in bank-enterprise cooperation [4][5]. - Enterprises can now clearly see the government subsidies and bank support they receive, making the benefits of these policies more tangible and understandable [7]. - The transparent cost structure fosters trust between banks and enterprises, as companies can see the actual reductions in financing costs due to bank waivers on certain fees [9]. Group 3: Implementation and Future Plans - Since the pilot program's launch in April 2025, Shenzhen Rural Commercial Bank has established a dedicated team to streamline the loan financing cost structure and ensure the "Loan Clarity Paper" service is available at all branches in Shenzhen [12][13]. - The bank plans to expand the promotion of the "Loan Clarity Paper" to benefit more enterprises, aiming to alleviate their financing pressures and enhance the effectiveness of supportive policies [13].