Core Viewpoint - The Bank of China Maoming Branch is promoting the use of the "Comprehensive Financing Cost List for Corporate Loans" to enhance transparency in loan costs and protect the rights of financial consumers, ultimately aiming to reduce the overall financing costs for the real economy [1][3]. Group 1: Promotion of Transparency - The bank is implementing the "Comprehensive Financing Cost List" to clearly outline all cost components associated with loans, including annual interest rates, guarantee fees, and assessment fees, helping enterprises accurately understand their total financing costs [1][3]. - The bank utilizes its physical branches to promote this initiative, with electronic displays and promotional materials aimed at informing clients about the financing cost details [3]. Group 2: Client Engagement and Trust Building - During the loan application process, client managers fill out the "Comprehensive Financing Cost List" with clients, ensuring that all financing fees are transparently presented and confirmed by both parties [3]. - A specific example is provided where a company applying for a loan of 10 million yuan is informed of a clear annual interest rate of 3.0%, with the total financing cost also being 3.0%, and the bank covering assessment and mortgage registration fees [3]. - The initiative aims to eliminate information asymmetry regarding financing costs, fostering a trusting relationship between banks and enterprises, which is essential for local economic development [3].
建行广东省茂名市分行：“贷款明白纸” 落地见效 护航企业融资无忧