只知利息，难算总账？“贷款明白纸”已为广东1.2万家企业亮出融资成本“明白账”

Core Points - The pilot program for the comprehensive financing cost list for enterprises has expanded to cover nearly 80% of cities in Guangdong province, providing transparency in financing costs that were previously hidden [1][2] - The "Loan Clarity Paper" initiative, launched by the People's Bank of China in Guangdong, aims to itemize all costs associated with enterprise loans, converting them into an annualized rate for better understanding [1][2] - Over 12,000 enterprises have benefited from this initiative, which has helped them save significant amounts in financing costs [1][2] Group 1 - The hidden non-interest costs have been a significant burden for enterprises, with some intermediary fees reaching up to 24% when combined with other charges [2] - The pilot program was initiated in early 2025, with a structured approach involving provincial coordination and local responsibility to ensure effective implementation [2] - The program has led to a notable increase in financing transparency, allowing enterprises to better understand their financing costs and make informed decisions [6][8] Group 2 - Specific case studies illustrate the effectiveness of the "Loan Clarity Paper," such as a trading company saving 4.5 million yuan in guarantee fees by utilizing the program [3][4] - The initiative has also improved the relationship between banks and enterprises, with banks proactively helping clients find better financing solutions [7][8] - The program has prompted banks to absorb certain costs, such as evaluation and registration fees, further reducing the financial burden on enterprises [8]