中国人民银行广东省分行答上证报：广东累计向近5.99万家经营主体明示企业贷款综合融资成本

Core Viewpoint - The People's Bank of China Guangdong Branch is actively promoting the transparency of enterprise loan comprehensive financing costs to alleviate the financing burden on businesses and enhance financial service awareness [1][3]. Group 1: Loan Transparency Initiatives - As of the end of 2025, Guangdong financial institutions have disclosed comprehensive financing costs for approximately 6.79 million loans, amounting to 298.985 billion yuan, to nearly 59,900 operating entities [3][4]. - The initiative includes the creation of a "Loan Clarity Sheet" that clearly presents loan interest rates and various non-interest fees in annualized terms, ensuring enterprises are informed and enhancing financing transparency [4][5]. Group 2: Impact on Financing Costs - The average interest rate for enterprise loans is at a historical low, but non-transparent fees have led to a higher perceived financing cost for businesses [4]. - By December 2025, the proportion of loans involving non-interest fees decreased by 7.3 percentage points compared to the first half of the year, and the annualized rate of comprehensive financing costs for enterprise loans dropped by 27 basis points from the year's peak [5]. Group 3: Future Plans - The People's Bank of China Guangdong Branch plans to further enhance the effectiveness of the loan transparency initiative by improving reporting standards, optimizing processes, and refining evaluation and feedback mechanisms [6]. - There is an intention to expand the coverage of the transparency initiative to benefit more operating entities, transforming the comprehensive financing cost "clear accounts" into confidence and motivation for high-quality economic development [6].