“贷款明白纸”理清成本明细账 减费让利惠企成效显著

Core Insights - The People's Bank of China has initiated a pilot program in five provinces to enhance transparency in corporate loan financing costs starting from September 2024 [1] - The program involves the use of a standardized "Loan Clarity Sheet" to clearly outline all financing costs, ensuring that enterprises are fully informed about their loan expenses [2] Group 1: Loan Transparency - The "Loan Clarity Sheet" allows for a detailed breakdown of various financing fees, thereby safeguarding the rights of financial consumers to be informed and make choices [2] - For instance, Yantai Jintai Logistics Company applied for a loan of 5 million yuan, and through the "Loan Clarity Sheet," the comprehensive financing cost was determined to be 3.35%, which is 0.4 percentage points lower than previous inquiries [2] Group 2: Tailored Financial Services - The "Loan Clarity Sheet" not only clarifies costs but also enables banks to better understand the actual conditions of enterprises, allowing for more precise matching of preferential policies [2] - For example, Binzhou Yellow River Baoshan Concrete Company faced financial pressure due to long settlement cycles and rising raw material costs. The bank helped them secure a "no repayment renewal loan," reducing financial costs by 38% [3] Group 3: Collaborative Efforts to Optimize Financing Environment - The initiative has exposed hidden fees, facilitating collaboration among various departments to address unreasonable charges and protect borrowers' rights [4] - In the first half of 2025, government-backed financing guarantee institutions in Shandong provided support to 66,600 market entities, with a comprehensive financing cost of 5.04%, a decrease of 0.14 percentage points year-on-year [4] - The emergency transfer loan system served 16,362 small and micro enterprises, achieving a loan amount of 355 billion yuan, which is a 42.2% increase year-on-year, effectively lowering transfer loan costs by 14.9 billion yuan [4]