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Core Viewpoint - The implementation of the "Loan Clarity Paper" by Shenzhen Rural Commercial Bank aims to enhance transparency, standardization, and inclusiveness in financing services, addressing the pain points of information asymmetry and opaque costs in corporate financing [2][4]. Group 1: Financial Service Innovation - The "Loan Clarity Paper" serves as a comprehensive cost breakdown for enterprises, particularly small and micro businesses, allowing them to accurately assess their true financing burden and make informed decisions [4]. - This initiative is part of the financial supply-side structural reform, showcasing the bank's response to the financing challenges faced by enterprises [4][5]. Group 2: Enhanced Transparency and Trust - The "Loan Clarity Paper" not only lists costs but also acts as a bridge connecting government subsidies and bank services, ensuring that enterprises can clearly see and understand the benefits they receive [5]. - By promoting transparency, the initiative helps to alleviate information asymmetry and reflects a shift in the financial system from scale expansion to quality improvement [5][6]. Group 3: Implementation and Coverage - Since the launch of the initiative in April 2025, Shenzhen Rural Commercial Bank has established a dedicated task force to optimize processes and ensure the "Loan Clarity Paper" is integrated throughout the financing process [5]. - The service has achieved full coverage across all branches in Shenzhen, indicating a significant step towards enhancing the financing environment in the region [5].