为进一步落实中国人民银行关于规范企业融资成本明示工作的政策要求，持续优化区域融资环境，提升 金融服务透明度和实体经济服务效能，新沂农村商业银行积极响应、全面部署，扎实推进企业综合融资 成本明示机制，让企业融资更安心、更放心。 为确保该项工作高效、有序开展，新沂农商银行专门成立专项领导小组，由信贷管理部牵头，计划财务 部负责政策宣导，各业务部门和支行具体执行，全面强化组织领导和过程管理，实现从融资成本测算、 明示到贷后服务的全流程覆盖。 以某新材料企业为例，该企业因经营周转需申请流动资金贷款。针对其"融资难、融资贵"的痛点，新沂 农商银行为其精准匹配了由融资担保公司提供增信的"小微贷"产品，贷款年化利率为3.8%，担保费2000 元。 未来，新沂农商银行将继续扩大融资成本明示范围，细化服务流程，加强政策宣传与沟通，努力构建更 加透明、诚信、高效的金融服务生态，切实提升服务实体经济的能力和水平，助力企业稳健发展。 刘 瑞瑞 融资成本明示不仅增强了银企之间的信息对称，推动双方关系由"交易型"向"伙伴型"转变，也助力银行 更精准识别企业需求，持续优化金融服务。如"无还本续贷"等创新业务的推出，进一步缓解了企业融资 压 ...

生产车间里，智能化设备轰鸣运转；财务台账上，应收账款回款记录清晰稳定。结合企业多年良好的信 用表现，滨州农商银行给出"无还本续贷"方案，不仅无缝衔接了贷款周期，还主动承担了抵押评估等费 用。"从发现难题到解决问题，只用了3天。"尚自鹏掰着手指算账，省下的"过桥费"、免掉的评估费， 加上避免的生产断档损失，实际效果远超预期。如今，随着续贷资金到位，企业生产线全速运转，新接 的核电站订单正陆续发货。 一张小小的"贷款明白纸"，不仅算清了融资的明细账，更为银企合作架起了诚信之桥。 记者从中国人民银行山东省分行了解到，"贷款明白纸"试点启动以来，该行精心组织推动，加强宣传引 导，做好对金融机构业务人员培训，与各方形成工作合力，稳妥有序推动试点，实现了机构类型全覆 盖、贷款品种全覆盖。 一方面，中国人民银行山东省分行制定了《山东省明示企业贷款综合融资成本试点实施方案》，明确试 点工作的时间表、路线图，稳步推进。将试点地市由济宁市逐步扩大到德州、聊城、滨州等14地市，试 点机构类型由商业银行逐步扩大到政策性银行和民营银行，实现机构类型全覆盖；另一方面，贷款品种 由普通企业贷款和个人经营性贷款入手，逐步扩大到银团贷款、贸易 ...

Core Insights - The People's Bank of China (PBOC) Hubei Branch has implemented a "Loan Cost Disclosure List" to address financing information asymmetry, benefiting over 3,800 enterprises and individual businesses with a total loan amount exceeding 27.027 billion yuan [1][2] Group 1 - As of the end of July, Hubei Province has completed 3,882 enterprise loan cost disclosure tasks, involving loans over 27.027 billion yuan [1] - The "Loan Cost Disclosure List" itemizes all costs associated with loans, including interest, guarantee fees, and intermediary service fees, allowing enterprises to understand their financing costs clearly [1] - A biotechnology company in Xiaogan saved over 50,000 yuan in costs through the "Loan Cost Disclosure List," which helped reduce its financing cost by 0.5 percentage points due to fiscal subsidies [1] Group 2 - A smart equipment company in Huangshi reduced its financing cost from 5.2% to 3.7% by qualifying for the "Knowledge Value Credit Loan" after the bank identified its advanced self-developed dynamic scheduling algorithm [2] - The "Loan Cost Disclosure List" exposes hidden costs in financing, aiding enterprises in reducing burdens and enabling departments to work together to regulate unreasonable charges [2] - The PBOC Hubei Branch has collaborated with local financial authorities to lower government financing guarantee fees to below 1% and has implemented a phase-out of guarantee fees for small and innovative enterprises [2] Group 3 - The PBOC Hubei Branch plans to expand the pilot program based on the experiences from Huangshi and Xiaogan [3]