Zheng Quan Shi Bao·2025-09-10 22:38Group 1 - The core initiative of the "Loan Clarity Paper" was officially launched by the Bank of Communications Shenzhen Branch in August 2025, aiming to enhance financial transparency and support the optimization of the business environment in Shenzhen [1] - The "Loan Clarity Paper" categorizes all interest and fees incurred during the loan process, presenting a comprehensive total cost to enterprises, thereby safeguarding their right to know and promoting a customer-centric service philosophy [2] - This initiative serves as a decision-making tool for enterprises, allowing them to accurately understand the true cost of loans and choose the most suitable financing options, effectively addressing the issue of high financing costs [3] Group 2 - A recent case highlighted the effectiveness of the "Loan Clarity Paper," where a small enterprise discovered that many costs, such as insurance and mortgage registration fees, were covered by the bank, leading to a successful loan application without hidden fees [3] - The Bank of Communications Shenzhen Branch plans to continue promoting the "Loan Clarity Paper" to help enterprises reduce costs and improve efficiency, thereby injecting continuous financial support into the development of the real economy [3]