南海网、新海南客户端9月17日消息（记者 汪慧）"以前只顾着关注贷款利率，其他各种费用成本犹如雾里看花，现在呢，每一分钱都晒在阳光下。"企业 融资体验为何会发生这样的变化？这得益于金融系统推行的一项政策工具——"贷款明白纸"。 长期以来，企业融资时，在非利息成本方面需要承担层层叠加的融资费用，导致部分企业融资成本较高。去年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"。 今年初，海南省成为全国第二批试点省份，中国人民银行海南省分行联合海口市人民政府在海口市正式启动试点工作。 这张"明白纸"，到底明白在哪？ 兴业银行海口分行零售金融部邓志鹏向记者介绍，"贷款明白纸"，全称为《企业贷款综合融资成本清单》，是中国人民银行在全国多地试点推行的一项政 策工具，旨在通过透明化展示企业贷款的全部成本，解决融资过程中信息不对称的问题。 目前，人民银行海南省分行正推动银行机构拓展明示贷款的种类，优化试点内容，帮助企业融资更便捷、透明、省心。 总监制：周元 策 划：纪燕玲 执行策划：陈正毅 陈声浩 陈明文 出镜/文案：汪慧 摄像：曹志 具体来看，清单详 ...

Core Insights - The "Comprehensive Financing Cost List" is transforming the financing landscape for enterprises in Guangdong by making hidden costs transparent, such as guarantee fees, insurance fees, and intermediary fees [1][2] - The initiative, launched by the People's Bank of China in early 2025, aims to clarify the total financing costs for enterprises, allowing them to understand the composition and amount of "comprehensive financing costs" [1][2] Group 1: Impact on Enterprises - Many enterprises, like a Guangzhou energy technology company, have reported significant savings, such as 45,000 yuan in guarantee fees, by utilizing the "Comprehensive Financing Cost List" [1][4] - The list has helped 12,000 enterprises in Guangdong understand their financing costs better, leading to a more transparent financing environment [2][6] - A commercial trading company benefited from a government policy loan, reducing its bridge loan costs from 1.4 million yuan to only 2,100 yuan [3] Group 2: Policy Implementation and Challenges - The People's Bank of China in Guangdong has established a three-tier responsibility system to ensure the effective implementation of the financing cost transparency initiative [2] - Initial challenges included a lack of awareness among enterprises, prompting extensive promotional efforts through both online and offline channels [4][8] - The initiative has expanded to cover nearly 80% of cities in the province, with positive results gradually emerging [2] Group 3: Financial Institutions' Role - Financial institutions are now more proactive in assisting enterprises, as seen in the case of a technology company that received a lower interest rate due to the insights gained from the financing cost list [7][8] - Banks are increasingly taking on costs such as evaluation and registration fees, which were previously borne by enterprises, enhancing the overall financing experience [8][9] - The initiative has fostered a more collaborative relationship between banks and enterprises, with banks now seen as partners in navigating financing options [8][9]

Core Points - The pilot program for the comprehensive financing cost list for enterprises has expanded to cover nearly 80% of cities in Guangdong province, providing transparency in financing costs that were previously hidden [1][2] - The "Loan Clarity Paper" initiative, launched by the People's Bank of China in Guangdong, aims to itemize all costs associated with enterprise loans, converting them into an annualized rate for better understanding [1][2] - Over 12,000 enterprises have benefited from this initiative, which has helped them save significant amounts in financing costs [1][2] Group 1 - The hidden non-interest costs have been a significant burden for enterprises, with some intermediary fees reaching up to 24% when combined with other charges [2] - The pilot program was initiated in early 2025, with a structured approach involving provincial coordination and local responsibility to ensure effective implementation [2] - The program has led to a notable increase in financing transparency, allowing enterprises to better understand their financing costs and make informed decisions [6][8] Group 2 - Specific case studies illustrate the effectiveness of the "Loan Clarity Paper," such as a trading company saving 4.5 million yuan in guarantee fees by utilizing the program [3][4] - The initiative has also improved the relationship between banks and enterprises, with banks proactively helping clients find better financing solutions [7][8] - The program has prompted banks to absorb certain costs, such as evaluation and registration fees, further reducing the financial burden on enterprises [8]

Core Viewpoint - The introduction of the "Loan Clarity Document" aims to enhance transparency in corporate financing costs, helping businesses understand all associated fees beyond just interest rates, thereby fostering trust between banks and enterprises [1][2]. Group 1: Implementation of Loan Clarity Document - The People's Bank of China initiated a pilot program for transparent corporate loan financing costs in September 2024, with Tianjin being one of the first cities to participate [1]. - The pilot program began in May 2025, focusing on banks in the Binhai New Area, including Agricultural Bank of China, Bohai Bank, and Tianjin Bank [1]. - A detailed implementation plan was issued, including operational guidelines and training sessions for bank staff to improve their professional capabilities and enhance trust between banks and enterprises [1]. Group 2: Impact on Corporate Financing - The "Loan Clarity Document" addresses the long-standing issue of non-interest fees, such as guarantee fees and evaluation fees, which have been a source of confusion for small and medium-sized enterprises [2]. - As of June, the pilot areas completed 164 loans totaling 6.44 billion yuan, with a reported decrease of 41 basis points in corporate loan financing costs in June [2]. - The document serves as both a detailed account of financing costs and a commitment from financial institutions to support the real economy [2].

Group 1 - The core viewpoint of the article highlights the introduction of a transparent loan cost disclosure initiative in Heilongjiang Province, aimed at improving financing transparency for enterprises [1][2] - Huaxin Agricultural Technology Co., Ltd. is the first company in the province to benefit from this initiative, securing a working capital loan of 3 million yuan [1] - The "Loan Clarity Paper" serves as a detailed account of financing costs, ensuring that financial consumers are informed and promoting a reduction in financing costs for small and medium-sized enterprises [1] Group 2 - The People's Bank of China in Heilongjiang Province has developed a pilot program for transparent loan cost disclosure, focusing on cities such as Mudanjiang, Jixi, Suihua, and Daxing'anling [2] - The pilot program emphasizes key points such as policy transmission, precise calculation, and cost transparency, aiming to create a replicable model for financial institutions across the province [2] - The initiative is designed to lower overall financing costs for enterprises, thereby providing strong financial support for high-quality economic development [2]