Group 1 - The core viewpoint of the news is the implementation of the "Loan Clarity Paper" initiative in Jiangxi Province, which aims to enhance transparency in corporate financing and reduce costs for enterprises [1][2][3] - The "Loan Clarity Paper" details all interest and non-interest expenses associated with loans, allowing companies to understand their financing costs better [3][4] - Since the launch of the pilot program from September 2024 to July 2025, Jiangxi Province has issued over 110,000 "Loan Clarity Papers," benefiting nearly 10,000 credit enterprises and promoting transparency in financing costs [2][4] Group 2 - The People's Bank of China has identified key areas to reduce corporate financing costs, including lowering guarantee fees and introducing innovative financial products tailored to local industry needs [3][4] - The average guarantee fee rate has decreased by 0.06%, and the average supply chain platform fee has dropped by approximately 0.03%, indicating a trend of declining financing costs [4] - The weighted average interest rate for new corporate loans in Jiangxi Province was 3.3% in the first half of the year, a reduction of 45 basis points compared to the same period last year, achieving a dual reduction in both interest rates and fees [4]