公众号转载山西经济日报稿件，须申请授权。 作为全国明示企业贷款综合融资成本首批试点省份之一，人民银行山西省分行积极行动，扎实推进试点 工作扩容增量。 截至今年7月底，全省已完成对3.11万笔、1830.5亿元贷款的明示综合融资成本工作， 让企业融资成本"看得见、算得清、可比较"，有效提升了企业融资"透明度""适配度"和银企"信任度"。 据了解， 为推动降低企业贷款综合融资成本，维护金融消费者合法权益， 中国人民银行自2024年9月起，在山西 等省份开展明示企业贷款综合融资成本试点工作。人民银行山西省分行组织试点市银行机构会同企业填 写《企业贷款综合融资成本清单》，也就是 "贷款明白纸"，将企业贷款的利息和非利息成本一一明 晰，并折算成年化率，有效提升了融资透明度。 目前，全省 5个试点市人民银行市分行持续发力，通过加强培训指导、创新工作方法和扩大宣传等举 措，推动试点工作不断取得积极成效。 山西经济日报全媒体记者 姚凡 ...

Core Viewpoint - The introduction of the "Loan Clarity Document" aims to enhance transparency in corporate loan costs, reduce hidden fees, and support the development of the real economy through clearer financing terms [1][4]. Group 1: Implementation and Impact - The People's Bank of China initiated a pilot program in September 2024 across five provinces, which has now expanded to cover most provinces in the country [1][3]. - The weighted average interest rate for new corporate loans was 3.3% in the first half of the year, down 45 basis points from the same period last year, while personal housing loan rates fell to 3.1%, a decrease of 60 basis points [1][4]. - In Jiangxi province, the average comprehensive financing cost for corporate loans decreased by 51 basis points since the pilot began, with non-interest costs dropping by 17 basis points [4]. Group 2: Benefits for Enterprises - The "Loan Clarity Document" allows enterprises to understand not only the interest rates but also other costs such as assessment fees, insurance fees, and mortgage fees, which are often borne by banks [2][3]. - For example, a company in Shaoxing was able to reduce its comprehensive financing cost from 2.51% to 2.41% by utilizing the document, saving over ten thousand yuan in interest [3]. Group 3: Changes in Banking Practices - Banks are required to optimize compliance and standardize the disclosure of all potential fees throughout the loan process, enhancing transparency and accountability [6][7]. - The "Loan Clarity Document" encourages banks to shift from a "price war" to a "value war," focusing on improving product innovation and risk management rather than solely competing on price [5][6]. Group 4: Regulatory and Market Implications - The document imposes stricter disclosure obligations on banks, necessitating the establishment of comprehensive cost accounting mechanisms to ensure all fees are justified and transparent [7][8]. - Banks are encouraged to strengthen their collaboration with monetary policy and regulatory frameworks to dynamically adjust loan pricing and enhance the efficiency of financing [8].

Core Insights - The introduction of the "Loan Cost Transparency List" is significantly reducing hidden financing costs for small and micro enterprises in Guangdong [2][3] - The People's Bank of China initiated a pilot program to promote transparent disclosure of all loan-related costs, allowing businesses to understand their total financing expenses clearly [2][4] Group 1: Pilot Program Implementation - The pilot program began in January 2025, covering 53 banks across four cities in Guangdong, later expanding to 16 additional cities by July [2][3] - Financial institutions have provided detailed cost breakdowns for loans, allowing businesses to see all associated costs, including interest, guarantee fees, and evaluation fees [3][4] Group 2: Impact on Businesses - Over six months, the pilot has helped 12,000 enterprises understand their financing costs, resulting in 21,000 loans totaling 74.9 billion yuan [2][3] - Companies like Guangzhou Microcontrol Biotechnology have benefited from the transparency, allowing them to secure loans with a clear understanding of costs, enhancing satisfaction with banking services [3][4] Group 3: Government Support and Savings - The program has enabled companies to access various government support policies, leading to significant savings on loan interest and guarantee fees [4] - For instance, Guangzhou Purui Biotechnology saved approximately 150,000 yuan in interest and 60,000 yuan in guarantee fees through the program [4]

Core Points - The People's Bank of China will launch a pilot program for transparent corporate loan financing costs in five provinces starting September 2024, aiming to enhance clarity and consumer rights in loan costs [1] - The initiative includes a standardized "Loan Clarity Sheet" that details all financing costs, allowing companies to understand their total loan expenses [2][3] - The program has already shown significant results in Shandong Province, with 28.9 million loans totaling 1.18 trillion yuan having their costs clarified by July 2025 [1] Group 1 - The pilot program involves collaboration between banks and enterprises to fill out the "Loan Clarity Sheet," which lists all financing fees transparently [2] - An example from Yantai Jintai Logistics shows that the comprehensive financing cost for a 5 million yuan loan was reduced to 3.35%, a decrease of 0.4 percentage points from previous inquiries [2] - The program helps banks better understand the financial situations of enterprises, allowing for more accurate matching of favorable policies and further reduction of financing costs [2] Group 2 - The program also addresses hidden fees, as demonstrated by the case of Binzhou Yellow River Baoshan Concrete, where the bank helped the company avoid over 30,000 yuan in bridge fees by facilitating a no-repayment renewal loan [3] - The Shandong branch of the People's Bank of China is working with various departments to improve financing guarantee services for small and micro enterprises, leading to a 0.14 percentage point decrease in comprehensive financing costs to 5.04% [4] - In the first half of the year, government-backed financing guarantee institutions supported 66,600 businesses, and the emergency transfer loan system serviced 16,362 small and micro enterprises, with a 42.2% increase in loan amounts [4]

Core Insights - The People's Bank of China has initiated a pilot program in five provinces to enhance transparency in corporate loan financing costs starting from September 2024 [1] - The program involves the use of a standardized "Loan Clarity Sheet" to clearly outline all financing costs, ensuring that enterprises are fully informed about their loan expenses [2] Group 1: Loan Transparency - The "Loan Clarity Sheet" allows for a detailed breakdown of various financing fees, thereby safeguarding the rights of financial consumers to be informed and make choices [2] - For instance, Yantai Jintai Logistics Company applied for a loan of 5 million yuan, and through the "Loan Clarity Sheet," the comprehensive financing cost was determined to be 3.35%, which is 0.4 percentage points lower than previous inquiries [2] Group 2: Tailored Financial Services - The "Loan Clarity Sheet" not only clarifies costs but also enables banks to better understand the actual conditions of enterprises, allowing for more precise matching of preferential policies [2] - For example, Binzhou Yellow River Baoshan Concrete Company faced financial pressure due to long settlement cycles and rising raw material costs. The bank helped them secure a "no repayment renewal loan," reducing financial costs by 38% [3] Group 3: Collaborative Efforts to Optimize Financing Environment - The initiative has exposed hidden fees, facilitating collaboration among various departments to address unreasonable charges and protect borrowers' rights [4] - In the first half of 2025, government-backed financing guarantee institutions in Shandong provided support to 66,600 market entities, with a comprehensive financing cost of 5.04%, a decrease of 0.14 percentage points year-on-year [4] - The emergency transfer loan system served 16,362 small and micro enterprises, achieving a loan amount of 355 billion yuan, which is a 42.2% increase year-on-year, effectively lowering transfer loan costs by 14.9 billion yuan [4]

Core Viewpoint - The People's Bank of China is launching a pilot program for transparent loan costs starting September 2024, aimed at improving the financing environment for enterprises through a "Loan Clarity Paper" that details all financing costs, enhancing transparency and reducing overall financing costs for businesses [1][2]. Group 1: Loan Clarity Paper Implementation - The "Loan Clarity Paper" serves as a comprehensive cost list for enterprise loans, detailing interest and non-interest expenses, as well as payment methods and cycles, allowing businesses to understand their financing costs clearly [2][4]. - The pilot program has been initiated in five provinces, including Shanxi, Jiangxi, Shandong, Hunan, and Sichuan, to help businesses avoid hidden fees and better understand their financing options [2][3]. Group 2: Impact on Enterprises - The implementation of the "Loan Clarity Paper" has led to significant cost savings for enterprises, with reports of reduced financial expenses by nearly 40% for some companies [4][6]. - In June, the average non-interest weighted rate for loans in Sichuan dropped by 57 basis points to 0.55% since the pilot began, indicating a clear reduction in financing costs [4][5]. Group 3: Broader Financial Ecosystem Benefits - The initiative is expected to enhance trust between banks and enterprises, leading to better financial services tailored to the specific needs of businesses [6][7]. - The pilot program has expanded to cover most provinces in China, with significant participation from local financial institutions, indicating a growing trend towards transparency in financing [7][8].

转自：新华社 新华财经北京8月20日电（记者吴雨、胡旭）面对融资时名目繁多的费用，如何帮企业算清"明白账"？ 2024年9月起，中国人民银行启动明示企业贷款综合融资成本试点工作，通过"贷款明白纸"让企业对各 项融资费用"看得见、算得清、可比较"，进一步提升金融服务实体经济质效。 试点近一年来，"贷款明白纸"正悄然改善企业融资环境，不断提升融资的透明度和适配度，促进综合融 资成本持续下降，助力企业"轻装前行"。 费用一目了然告别"雾里看花" "来银行办理贷款，包括利息在内，我实际要支付的费用一目了然。"福建泉州洋磊科技有限公司负责人 吴金花告诉记者，企业急需50万元的资金用于扩大生产经营，在当地建设银行填写完"贷款明白纸"后她 发现，银行办理贷款根本不收取任何所谓"渠道费"，差点被中介忽悠多掏2万多元。 获取一笔贷款的背后，不少企业不光要支付贷款利息，有时还要面临抵押费、担保费、评估费、公证 费、中介服务费等名目繁多的费用，收费主体也不同。 吴金花提到的"贷款明白纸"，其实是一张企业贷款综合融资成本清单。 为了让企业融资成本成为一笔"明白账"，中国人民银行在山西、江西、山东、湖南、四川五个省份首批 启动了明示企 ...

Core Viewpoint - The People's Bank of China is launching a pilot program for a "Loan Clarity Document" to enhance transparency in corporate financing costs, allowing businesses to clearly understand and compare various financing fees starting from September 2024 [1]. Group 1: Implementation and Impact - The pilot program has been initiated in five provinces: Shanxi, Jiangxi, Shandong, Hunan, and Sichuan, aiming to provide a comprehensive cost breakdown for corporate loans [3]. - The "Loan Clarity Document" helps to break down information asymmetry, effectively curbing hidden fees and unreasonable price increases, thus promoting transparent pricing of comprehensive financing costs [3]. - In June, the average non-interest rate for loans in Sichuan was reported at 0.55%, a decrease of 57 basis points since the pilot's inception, indicating a significant reduction in non-interest burdens [6]. Group 2: Case Studies and Benefits - A business owner from Fujian reported that by using the "Loan Clarity Document," they avoided paying over 20,000 yuan in unnecessary intermediary fees when securing a loan [2]. - Another case from Shandong highlighted that a company saved nearly 40% in financial costs by utilizing the "Loan Clarity Document" to secure a 5 million yuan loan without incurring additional fees [5]. - In Anhui, a farmer was able to switch to a lower interest loan of 3% from an initial 4.3% rate, saving over 6,000 yuan, demonstrating the document's effectiveness in optimizing loan conditions [7]. Group 3: Expansion and Future Prospects - The pilot program is expanding nationwide, with many provinces like Anhui, Hainan, Hebei, and Liaoning joining the initiative, showing promising results [7]. - As of the end of July, financial institutions in Fujian processed nearly 50,000 entries related to the comprehensive financing cost, involving over 200 billion yuan in loans [7]. - The initiative is expected to strengthen communication between banks and borrowers, enhancing the overall financial ecosystem and providing businesses with confidence for stable operations [8].

中新网北京8月19日电 (记者 夏宾)"以前贷款就像开盲盒，签完合同才发现还有担保费、评估费、 公证费等各种'隐藏款'"。一家企业负责人说，现在变了，贷款的每一项成本都列得清清楚楚，我们在 贷款前即可全面了解所有成本项目，真正实现"看得见、算得清、可比较"，融资成本成了一笔明白账。 企业口中的变化，源于中国人民银行正在组织开展的明示企业贷款综合融资成本试点工作。 2024年9月起，中国人民银行在山西、江西、山东、湖南、四川五个省份启动明示企业贷款综合融 资成本试点工作，组织银行会同企业填写《企业贷款综合融资成本清单》(即"贷款明白纸")，逐项填写 企业获得贷款所需承担的利息和非利息成本，按统一方法折算成年化率，清晰、真实、全面展示企业贷 款综合融资成本，对各类融资费用进行统一明示，保障金融消费者知情权，促进中小企业融资成本下 降。如今试点范围逐渐扩大，已涵盖全国绝大多数省份。 这一张"贷款明白纸"为企业省去了中介费用。"来银行办理贷款，比中介忽悠我掏的钱省了好 多，'贷款明白纸'让我明白除了利息外我实际要掏的钱有哪些，一目了然。"晋江市某小型企业负责人 填写完"贷款明白纸"后激动说到。 该企业急需50万元的资 ...

Core Viewpoint - The introduction of the "Loan Clarity Paper" aims to enhance transparency in corporate loan financing costs, allowing businesses to clearly understand all associated expenses beyond just interest rates, thereby reducing overall financing costs for small and medium-sized enterprises [1][2][3]. Group 1: Loan Clarity Paper Implementation - The "Loan Clarity Paper" details all costs associated with loans, including interest and non-interest expenses, and specifies payment methods and cycles, making hidden fees visible [2][3]. - The People's Bank of China initiated a pilot program in five provinces to standardize the disclosure of comprehensive financing costs for enterprises, which has now expanded to most provinces [1][3]. Group 2: Impact on Financing Costs - The average interest rate for new corporate loans was approximately 3.3% in the first half of 2025, a decrease of about 2.3 percentage points from the peak in late 2018, indicating a trend of declining loan rates [3]. - Non-interest costs, such as collateral fees and intermediary service fees, often contribute significantly to the overall financing costs, especially for small and private enterprises [4][5]. Group 3: Enhancing Trust and Transparency - The pilot program has led to an increase in trust between banks and enterprises, as businesses now have a clearer understanding of the costs involved, which helps in building a harmonious relationship [6][8]. - As of July 2025, the pilot regions had completed 880,000 transactions totaling 4.38 trillion yuan in cost disclosures, demonstrating the program's effectiveness in promoting transparency and reducing financing costs [7][8].