山东：已完成28.9万笔、1.18万亿元贷款的明示成本工作

Core Points - The People's Bank of China will launch a pilot program for transparent corporate loan financing costs in five provinces starting September 2024, aiming to enhance clarity and consumer rights in loan costs [1] - The initiative includes a standardized "Loan Clarity Sheet" that details all financing costs, allowing companies to understand their total loan expenses [2][3] - The program has already shown significant results in Shandong Province, with 28.9 million loans totaling 1.18 trillion yuan having their costs clarified by July 2025 [1] Group 1 - The pilot program involves collaboration between banks and enterprises to fill out the "Loan Clarity Sheet," which lists all financing fees transparently [2] - An example from Yantai Jintai Logistics shows that the comprehensive financing cost for a 5 million yuan loan was reduced to 3.35%, a decrease of 0.4 percentage points from previous inquiries [2] - The program helps banks better understand the financial situations of enterprises, allowing for more accurate matching of favorable policies and further reduction of financing costs [2] Group 2 - The program also addresses hidden fees, as demonstrated by the case of Binzhou Yellow River Baoshan Concrete, where the bank helped the company avoid over 30,000 yuan in bridge fees by facilitating a no-repayment renewal loan [3] - The Shandong branch of the People's Bank of China is working with various departments to improve financing guarantee services for small and micro enterprises, leading to a 0.14 percentage point decrease in comprehensive financing costs to 5.04% [4] - In the first half of the year, government-backed financing guarantee institutions supported 66,600 businesses, and the emergency transfer loan system serviced 16,362 small and micro enterprises, with a 42.2% increase in loan amounts [4]