阳光透明 心安致远丨新沂农商银行推行企业融资成本明示

Core Viewpoint - The article highlights the proactive measures taken by Xinyi Rural Commercial Bank to enhance transparency in corporate financing costs, aligning with the People's Bank of China's policy to improve the financing environment and service efficiency for the real economy [2][3]. Group 1: Implementation of Financing Cost Disclosure - Xinyi Rural Commercial Bank has established a special leadership group to oversee the implementation of a comprehensive financing cost disclosure mechanism, ensuring efficient and orderly execution [2]. - The bank's approach includes a full-process coverage from cost calculation to post-loan services, enhancing organizational leadership and process management [2]. Group 2: Case Study and Customer Feedback - A case study involving a new materials company illustrates the bank's tailored financing solutions, where a working capital loan was provided with an annual interest rate of 3.8% and a guarantee fee of 2000 yuan [2]. - The bank provided a detailed "comprehensive financing cost list" to the client, clearly outlining the annual interest rate and guarantee fee, resulting in a total annualized cost of 4.0024% [2]. - The client expressed high satisfaction with the transparency of the financing costs, stating that the detailed breakdown made the actual costs clear [2]. Group 3: Future Plans - Xinyi Rural Commercial Bank plans to expand the scope of financing cost disclosure, refine service processes, and enhance policy communication to build a more transparent and efficient financial service ecosystem [3]. - The bank aims to improve its service capabilities and support the stable development of enterprises [3].