用好“贷款明白纸” 助力阳光融资

Core Viewpoint - The implementation of the "Loan Clarity Paper" in Mudanjiang has significantly improved the transparency of financing costs for businesses, enhancing their understanding and trust in the loan process [1][2][3] Group 1: Pilot Program Implementation - The People's Bank of China Mudanjiang Branch initiated a pilot program in June to clarify comprehensive financing costs for enterprises, making it easier for them to understand loan expenses [1] - A structured mechanism was established to ensure effective implementation, including a leadership group and a four-step approach to promote the program [2] - The first pilot phase resulted in 71 loans totaling 719 million yuan, covering various market entities and demonstrating a significant improvement in financing cost transparency [2] Group 2: Expansion and Results - In September, the second phase of the pilot program was launched, expanding the initiative to all banking institutions in the city, thereby enhancing policy implementation [3] - By the end of October, a total of 141 loans had been processed under the program, saving market entities approximately 149,700 yuan in interest and fees, with banks covering 79,700 yuan of these costs [3] - The "Loan Clarity Paper" has fostered trust between banks and enterprises, allowing businesses to focus on their operations without concerns about hidden fees [3] Group 3: Future Directions - The People's Bank of China Mudanjiang Branch plans to establish a long-term mechanism for the "Loan Clarity Paper" and increase policy promotion to further support inclusive finance and reduce comprehensive financing costs [3]