记者从中国人民银行获悉，试点工作启动以来，中国人民银行组织推动、加强引导，做好对金融机构业 务人员培训，与各方形成工作合力，并指导利率自律机制开发计算小程序，在其官方微信公众号发布， 便利银行和企业操作。 试点工作取得了积极成效 "总体来看，明示企业贷款综合融资成本试点工作取得了积极成效，促进了中小企业综合融资成本下 降。"业内专家表示。 （上接1版） 近年来，我国持续推动企业融资成本下行。7月30日召开的中央政治局会议也要求"促进社会综合融资成 本下行"。 企业贷款综合融资成本分为利息成本和非利息成本。 业内专家介绍，利息成本方面，中国人民银行2021年发布公告，要求推动所有贷款产品明示年化利率水 平。借款人对贷款利率已经比较了解。近年来贷款利率也明显下降。2025年上半年，新发放企业贷款加 权平均利率约为3.3%，较2018年下半年本轮降息周期以来的高点下降约2.3个百分点，处于历史低位。 上述专家介绍，非利息成本主要指融资费用，包括抵押费、担保费、中介服务费等，涉及多个收费主 体，收费名目多、不透明，层层叠加，导致部分企业"体感"的融资成本仍较高。 "对许多中小企业、民营企业而言，融资费用往往是综合融资 ...

Core Points - The People's Bank of China is initiating a pilot program to clarify the comprehensive financing costs for enterprises, aiming to reduce overall financing costs and enhance transparency [1][2] - The pilot program will start in five provinces and gradually expand nationwide, with a focus on providing a clear breakdown of both interest and non-interest costs associated with loans [1][2] - The initiative is part of a broader effort to lower financing costs for small and medium-sized enterprises (SMEs) and promote financial consumer rights [1][3] Financing Cost Breakdown - Comprehensive financing costs consist of interest costs and non-interest costs, with the latter including various fees such as collateral fees, guarantee fees, and intermediary service fees [2] - The average interest rate for newly issued corporate loans is projected to be around 3.3% in the first half of 2025, a decrease of approximately 2.3 percentage points from the peak in late 2018 [2] Pilot Program Implementation - The pilot program has shown positive results, increasing transparency and allowing enterprises to understand their financing costs better [3][4] - The "Loan Clarity Sheet" details all costs associated with loans, including interest and various fees, thereby reducing information asymmetry [3][4] - The program has facilitated better financial planning and comparison for enterprises, leading to potential cost savings [4] Enhanced Trust and Efficiency - The initiative aims to improve the trust between banks and enterprises, fostering a more efficient financial service environment [4][5] - By providing clear cost information, enterprises can negotiate better financing terms and potentially save on costs [4][5] - The program has already helped some enterprises identify hidden costs in intermediary financing proposals, leading to more favorable loan arrangements [5]

Core Viewpoint - China is implementing practical and innovative measures to address the financing difficulties and high costs faced by small and medium-sized enterprises (SMEs) [1][2] Group 1: Financing Transparency - The "loan clarity paper" provides a detailed breakdown of both interest and non-interest costs associated with loans, enhancing transparency and reducing information asymmetry [2][3] - This initiative helps enterprises understand the sources of financing costs and the benefits they receive from banks, thereby safeguarding their rights as financial consumers [2] Group 2: Cost Reduction and Adaptation - The focus is on lowering non-interest costs such as collateral fees and intermediary service fees, which often constitute a significant portion of the overall financing costs [3] - By utilizing the loan clarity paper, enterprises can better assess their eligibility for preferential policies and negotiate to lower their financing costs [2][3] Group 3: Trust and Collaboration - The loan clarity paper consolidates various costs into a single document, facilitating tailored financial services from banks and enhancing trust between banks and enterprises [2] - Recent reports indicate that China's financial service efficiency ranks highly among 50 global economies, nearing the performance of top countries like New Zealand [2]