“贷款明白纸”贷来“降息+降费”真实惠

Core Viewpoint - The People's Bank of Jinzhong City is actively promoting the pilot program for transparent corporate loan financing costs, aiming to reduce both interest and non-interest costs for enterprises in the region [1] Group 1: Pilot Program Implementation - Jinzhong City has been designated as a pilot area in Shanxi Province for transparent corporate loan financing costs, with the People's Bank of Jinzhong City leading the initiative [1] - Financial institutions are encouraged to assist enterprises in completing the "loan clarity paper" to facilitate the understanding of financing costs [1] Group 2: Information Sharing Initiatives - The government has compiled a manual detailing over 50 credit products, specifying key information such as borrowing entities, terms, interest rates, and limits [3] - A public hotline has been established to inform private enterprises about the pilot program, with outreach efforts reaching grassroots levels [3] - 34 financial institutions are actively promoting policies both online and offline, achieving over 3000 clicks on the promotional materials [3] Group 3: Special Actions to Address Challenges - A "three increases and one decrease" initiative aims to lower guarantee fees by enhancing government financing guarantee services [4] - The emergency turnover fee is being reduced through the inclusion of credit, extension, and renewal indicators in the credit policy evaluation system [4] - By the end of Q3, the loan extension rate for small and micro enterprises reached 53.33%, and the proportion of credit loans was 45.63%, both showing significant year-on-year increases [4] - A "sunshine" initiative is being implemented to eliminate illegal intermediary fees by requiring financial institutions to provide clear agreements prohibiting collaboration with illegal intermediaries [4] Group 4: Overcoming Bottlenecks - Efforts are being made to address the challenges in promoting the transparent cost list for inclusive online business, with a multi-level meeting held to discuss embedding the cost list into the entire credit process [4]