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Core Insights - The People's Bank of China in Lianyungang has initiated a pilot program to clarify the comprehensive financing costs of corporate loans, significantly improving transparency for businesses [1][2] - The program has already resulted in 417 loans totaling 1.764 billion yuan being processed in July, leading to a decrease in market interest rates and providing essential financial support to local enterprises [1] Group 1: Pilot Program Implementation - The pilot program aims to transform the previously unclear financing costs into transparent figures, allowing businesses to understand their financial obligations clearly [1][2] - Financial institutions are required to provide a detailed breakdown of loan costs, including interest rates and non-interest expenses, presented in an annualized format [2] Group 2: Impact on Businesses - Many companies have reported positive experiences, shifting from concerns about hidden fees to appreciating the clarity of services provided [2] - For instance, Lianyungang Youhe Edible Fungus Co., Ltd. successfully secured a loan of 3.5 million yuan with a total financing cost of 3.95%, showcasing the effectiveness of the new transparency measures [2] Group 3: Future Plans - The People's Bank of China in Lianyungang plans to further enhance the pilot program, aiming to lower financing costs for more enterprises and improve financial service transparency [2]