"贷款明白纸"让各类隐性费用"暴露在阳光下",便于相关部门形成合力,治理和约束不合理收费,保障借款 人合法权益,优化营商环境。 银企双方通过填写统一规范的"贷款明白纸",各类融资费用得以清晰列示,企业可全面了解贷款综合成本 的具体构成,有效保障了金融消费者的知情权和选择权。 以烟台金泰达物流有限公司为例,该公司因扩大业务规模,需要申请500万元贷款。恒丰银行烟台分行积极 与企业沟通对接,共同填写《企业贷款综合融资成本清单》,明确列出贷款年利率,并注明评估费、抵押登 记费、保险费等费用共计1420元均由银行承担,企业无需支付任何附加费用。经现场测算,该贷款综合融 资成本为3.35%,较之前询价结果低0.4个百分点。企业负责人表示,以前跑贷款最怕"隐藏收费","贷款明白 纸"让所有费用一目了然,银行还主动减免费用切实降低了企业融资成本,提高了融资效率。 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"),清晰、真实、全面 展示企业贷款综合融资成本。试点工作启动以来,中国人民银行山东省分行精 ...

每经评论员杜恒峰 据媒体近日报道，王女士去年通过中介办理了100万元贷款，双方最初约定中介仅收取2%的手续费，然 而最终她却被收取了31万元费用。检索过往案例不难发现，类似情况并不罕见：贷款中介常以各类话 术、多种名目，或是欺骗借款人，或是与借款人合谋，在协助借款人拿到银行贷款后，违规收取高 额"服务费"。 尽管各大银行及相关金融机构反复声明未与贷款中介开展合作，但贷款中介依旧十分活跃。深究背后原 因，这与信贷市场的特殊性密切相关。对银行而言，发放贷款并非单纯看谁愿意承担更高利率，而是首 先要确保本金安全——只有借款人具备还本付息的能力，银行才能获得稳定的利息收益。 许多企业在填报过程中才发现，自己此前被贷款中介"忽悠"，部分费用要么完全不存在，要么远超合理 标准。这一成功经验同样可推广至个人贷款领域。 与此同时，针对那些不符合传统贷款资质但具备还款能力与还款意愿的特殊群体，如新市民群体、经济 困难大学生家庭等，银行应从普惠金融的角度出发，积极创新贷款产品与服务模式，为他们提供适配的 贷款支持，避免他们成为贷款中介围猎的目标。 此外，对于那些合谋骗取银行贷款的中介机构与借款人，银行除了要严格落实贷前审查责任， ...

原标题：每经热评︱贷款100万元中介拿走31万元 贷款中介暴利如何破？ 每经评论员 杜恒峰 据媒体近日报道，王女士去年通过中介办理了100万元贷款，双方最初约定中介仅收取2%的手续费，然 而最终她却被收取了31万元费用。检索过往案例不难发现，类似情况并不罕见：贷款中介常以各类话 术、多种名目，或是欺骗借款人，或是与借款人合谋，在协助借款人拿到银行贷款后，违规收取高 额"服务费"。 尽管各大银行及相关金融机构反复声明未与贷款中介开展合作，但贷款中介依旧十分活跃。深究背后原 因，这与信贷市场的特殊性密切相关。对银行而言，发放贷款并非单纯看谁愿意承担更高利率，而是首 先要确保本金安全——只有借款人具备还本付息的能力，银行才能获得稳定的利息收益。而通常情况 下，具备还本付息能力的借款人，往往不会接受过高的贷款利率。所以，银行通常会先确定一个合理的 利率水平，之后再向资质更优的部分借款人发放贷款。 与此同时，针对那些不符合传统贷款资质但具备还款能力与还款意愿的特殊群体，如新市民群体、经济 困难大学生家庭等，银行应从普惠金融的角度出发，积极创新贷款产品与服务模式，为他们提供适配的 贷款支持，避免这部分群体因正规渠道融资无 ...

Core Viewpoint - The implementation of the "Loan Clarity Document" in Shanxi Province has significantly improved transparency in financing costs for small and micro enterprises, helping them avoid hidden fees and reducing overall financing costs [2][9]. Group 1: Implementation and Impact - As of July 2023, Shanxi Province has completed 31,100 loans totaling 183.05 billion yuan under the comprehensive financing cost disclosure initiative [2]. - The "Loan Clarity Document" itemizes various costs such as interest, guarantee fees, and assessment fees, converting them into an annualized rate, thus addressing the previous challenges of unclear financing costs [2][9]. - The initiative has been particularly beneficial in helping small enterprises save on financing costs, with one company saving nearly 150,000 yuan by avoiding a 3% channel fee [3]. Group 2: Promotional Strategies - The People's Bank of China in Yuncheng and Yangquan has employed a dual approach of online promotion and offline explanations to ensure that enterprises understand the costs involved [3]. - Financial institutions have created easy-to-understand videos and conducted face-to-face sessions to clarify the "Loan Clarity Document" [3][4]. Group 3: Collaborative Efforts - The establishment of a "government-bank-enterprise" collaborative mechanism in Jinzhong has facilitated the introduction of new financial products tailored to the needs of enterprises [6][7]. - Jinzhong's financial institutions have actively engaged with local government to provide emergency funding solutions, helping companies avoid high costs associated with informal lending [6]. Group 4: Tailored Financial Products - Jinzhong City has introduced innovative financial products such as "no principal repayment renewal loans" and "living collateral" to meet the specific needs of enterprises [7]. - The establishment of a credit guarantee fund in Jinzhong has enabled banks to offer credit loans with reduced risk, encouraging lending to small and micro enterprises [7]. Group 5: Focus on Key Enterprises - The People's Bank of China in Lüliang has launched a combination of the "Loan Clarity Document" and special policies to reduce financing costs for key enterprises, particularly in high-tech sectors [8]. - Lüliang's financial institutions have successfully adjusted loan terms for qualified enterprises, allowing them to access credit without the need for guarantees [8]. Group 6: Future Directions - The People's Bank of China in Shanxi Province plans to continue promoting the comprehensive financing cost disclosure initiative, ensuring that enterprises are well-informed about their financing options [9][10].

Core Insights - The article discusses the introduction of a "Loan Clarity Paper" in Guangdong, aimed at enhancing transparency in financing costs for enterprises, particularly small and micro businesses [2][6][11] - The initiative is part of a pilot program launched by the People's Bank of China in Guangdong to address the hidden costs associated with loans, which often include intermediary fees, assessment fees, and guarantee fees [2][7][11] Group 1: Loan Clarity Paper Implementation - The "Loan Clarity Paper" provides a detailed breakdown of all costs associated with loans, allowing businesses to see not just interest rates but also other fees clearly [6][9] - Financial institutions are required to present this cost breakdown to enterprises when issuing loans, which has led to increased transparency and trust between banks and businesses [7][11] - The pilot program has expanded to cover nearly 80% of cities in Guangdong, with significant positive outcomes reported by participating enterprises [7][11] Group 2: Impact on Enterprises - Companies like Guangdong Microcontrol Biotechnology Co., Ltd. have reported substantial savings in financing costs due to the clarity provided by the "Loan Clarity Paper," including reductions in interest and guarantee fees [2][5][9] - The initiative has enabled banks to tailor financing solutions more effectively to meet the specific needs of enterprises, thereby reducing overall financing costs [6][10] - The program has reportedly assisted over 12,000 enterprises in understanding their financing costs, amounting to a total of 74.9 billion yuan [11] Group 3: Bank Responses and Innovations - Banks have begun to proactively cover certain costs, such as collateral assessment fees and insurance fees, which alleviates the financial burden on enterprises [6][9] - The introduction of the "Loan Clarity Paper" has led to improved service adaptability from banks, allowing them to recommend government subsidies and risk funds to eligible enterprises [9][10] - The initiative is seen as a shift towards a more collaborative relationship between banks and enterprises, with banks acting as partners in navigating financing challenges [11]

Core Insights - The People's Bank of China (PBOC) in Anhui Province has successfully implemented a pilot program for transparent corporate loan financing costs since March 2025, covering 53,000 loans amounting to 143.1 billion yuan by the end of July this year [1] - The pilot program is now entering a new phase aimed at expanding its reach to benefit more market participants, promoting transparency and fairness in financing [1] - The introduction of the "Loan Clarity Paper" has significantly improved the understanding of financing costs for small and micro enterprises, enhancing their confidence in obtaining loans [1] Summary by Sections Pilot Program Implementation - The PBOC has focused on three key areas: organization, business training, and policy promotion to ensure the success of the pilot program [1] - The program aims to make financing costs transparent, thereby fostering fair competition and supporting enterprise development [1] Impact on Small and Micro Enterprises - Small business owners have expressed appreciation for the "Loan Clarity Paper," which provides a clear breakdown of financing costs, reducing unexpected expenses [1] - The program has led to a shift in bank service philosophy, encouraging banks to better integrate various supportive policies for enterprises [1] Case Studies - A construction materials business owner highlighted the efficiency of the "Loan Clarity Paper," which allowed him to understand all costs upfront, enhancing his confidence in financing [1] - A specialized enterprise was able to save 80,000 yuan in costs and significantly reduce the time required to secure a loan by switching from a guarantee-based to a credit loan approach, facilitated by the "Loan Clarity Paper" [2] Policy Promotion and Outreach - The PBOC has actively guided banks in promoting the "Loan Clarity Paper," conducting outreach activities to enhance public understanding of financing costs [1] - Various banks have distributed promotional materials to explain the components of financing costs, thereby increasing policy awareness among enterprises [1]

Core Insights - The introduction of the "Loan Clarity Paper" in Guizhou Province has significantly improved transparency in financing costs for enterprises, allowing them to better understand and manage their financial obligations [1][2][3] - The initiative has led to a notable reduction in comprehensive financing costs for small and micro enterprises, with reported decreases of 1.48 and 0.76 percentage points for small business owners and individual entrepreneurs, respectively [2] - Financial institutions are evolving from mere fund providers to collaborative partners with enterprises, enhancing the overall financing experience and reducing hidden fees [3] Group 1: Loan Clarity Paper Implementation - The "Loan Clarity Paper" was introduced by the People's Bank of China in December 2024 as part of a pilot program in Guizhou Province, aimed at standardizing and clarifying loan costs for enterprises [1] - As of July 2023, 48,000 enterprises and individual business owners in Guizhou have utilized the "Loan Clarity Paper," involving a total loan amount of 115.589 billion yuan [2] - The paper details interest and non-interest costs, including key information such as charging entities, payment methods, and cycles, ensuring enterprises' rights to information and choice [1][2] Group 2: Impact on Enterprises - The "Loan Clarity Paper" has acted as a catalyst for cost reduction and efficiency improvement for enterprises, exemplified by a local smart technology company that achieved a 26 basis point reduction in interest rates [2] - A construction materials company with 25 patents benefited from the "Loan Clarity Paper" by converting its technological capabilities into credit, resulting in an estimated annual savings of 36,000 yuan in financing costs [3] - The initiative has also enabled financial institutions to absorb intermediary costs, such as fees and assessments, thereby alleviating the financial burden on enterprises [3] Group 3: Broader Financial System Changes - The "Loan Clarity Paper" signifies a shift in financial services from a rough approach to a more refined and practical model, enhancing the relationship between banks and enterprises [3] - This mechanism serves as a feedback tool for government financial support measures, ensuring that policies like interest subsidies and guarantees are effectively benefiting enterprises [3] - The initiative contributes to creating a more trustworthy and supportive business environment in Guizhou, aligning with the goal of high-quality economic development [3]

Core Insights - The People's Bank of China (PBOC) Beijing Branch has initiated a pilot program to enhance transparency in corporate loan financing costs, which has received positive feedback from businesses [1][5] - The program involves creating a "Loan Clarity Document" that details all interest and non-interest costs associated with loans, helping businesses understand their actual financing costs [1][5] Group 1: Program Implementation - The pilot program covers all types of offline loans for technology-based small and medium-sized enterprises (SMEs) in Beijing [1] - A total of 37 major domestic banks in the region are participating in this initiative, which aims to provide a clear breakdown of loan costs, including fees and payment terms [1][5] Group 2: Benefits to Businesses - Businesses have reported that the clear cost information provided by banks has alleviated concerns regarding loan financing, transforming previously opaque costs into transparent ones [1][5] - The initiative has successfully prevented potential exploitation by illegal intermediaries, as demonstrated by a construction company that avoided high service fees through the clarity provided by the Loan Clarity Document [5] Group 3: Future Plans - The PBOC Beijing Branch plans to summarize the pilot experience and gradually expand the program's coverage to benefit more enterprises [5] - The goal is to lower the overall financing costs for society and improve the quality of financial services provided to the real economy [5]

Core Viewpoint - The People's Bank of China (PBOC) Beijing Branch is initiating a pilot program to transparently display the comprehensive financing costs of corporate loans, aiming to reduce unnecessary fees and enhance trust between banks and enterprises [1] Group 1: Pilot Program Details - The pilot program will involve 37 major domestic banks in Beijing starting from August 2025, focusing on clearly outlining the interest and non-interest costs associated with corporate loans [1] - The program will detail the charging entities, payment methods, and payment cycles, converting these into the actual annualized interest rates that enterprises will bear [1] Group 2: Impact on Enterprises - The initiative is expected to promote transparency in corporate loan costs, effectively curbing unreasonable charges such as credit enhancement fees, bridge fees, and intermediary fees [1] - Feedback from enterprises indicates that the program has been well-received, particularly among technology-oriented small and medium-sized enterprises, enhancing their understanding of banks' cost reductions [1] Group 3: Future Plans - The PBOC Beijing Branch plans to summarize the pilot experience and gradually expand the coverage of the program to benefit more enterprises [1] - The goal is to lower the overall social financing costs and improve the quality and efficiency of financial services to the real economy [1]

Core Viewpoint - The People's Bank of China (PBOC) has initiated a pilot program in Jining to clarify the comprehensive financing costs of corporate loans, enhancing transparency and reducing financing costs for enterprises [1][4]. Group 1: Pilot Program Implementation - The pilot program involves banks working with enterprises to fill out a "Loan Clarity Sheet," which itemizes various financing costs, ensuring financial consumers' right to know and promoting a decrease in corporate financing costs [1][4]. - Since the launch of the pilot program, Jining banks have cumulatively clarified 25,000 loan transactions amounting to nearly 250 billion yuan, leading to a year-on-year decrease of 0.31 percentage points in the average interest rate of newly issued corporate loans in the first seven months of 2025 [5]. Group 2: Impact on Enterprises - The initiative has helped businesses like a local power equipment company save significant costs by clearly outlining fees and offering products like "no principal repayment renewal loans," which reduced their financing costs from 4.0% to 3.8% [3]. - The program has fostered trust between banks and clients by eliminating information asymmetry, resulting in a more transparent and open financing process [3][4]. Group 3: Broader Implications - The pilot program is part of a broader effort by the PBOC to enhance the quality of financial services and establish a good reputation for banks, aligning with the goal of reducing financing costs for the real economy [4][5].