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人民银行北京市分行:逐步扩大明示企业贷款综合融资成本覆盖范围
Bei Jing Shang Bao·2025-09-01 09:54

Core Viewpoint - The People's Bank of China (PBOC) Beijing Branch is initiating a pilot program to transparently display the comprehensive financing costs of corporate loans, aiming to reduce unnecessary fees and enhance trust between banks and enterprises [1] Group 1: Pilot Program Details - The pilot program will involve 37 major domestic banks in Beijing starting from August 2025, focusing on clearly outlining the interest and non-interest costs associated with corporate loans [1] - The program will detail the charging entities, payment methods, and payment cycles, converting these into the actual annualized interest rates that enterprises will bear [1] Group 2: Impact on Enterprises - The initiative is expected to promote transparency in corporate loan costs, effectively curbing unreasonable charges such as credit enhancement fees, bridge fees, and intermediary fees [1] - Feedback from enterprises indicates that the program has been well-received, particularly among technology-oriented small and medium-sized enterprises, enhancing their understanding of banks' cost reductions [1] Group 3: Future Plans - The PBOC Beijing Branch plans to summarize the pilot experience and gradually expand the coverage of the program to benefit more enterprises [1] - The goal is to lower the overall social financing costs and improve the quality and efficiency of financial services to the real economy [1]