Core Viewpoint - The China Export-Import Bank's Jiangxi Branch is actively promoting transparency in corporate financing costs to support the real economy, ensuring that enterprises can clearly understand and calculate their financing expenses [1][2][3]. Group 1: Initiatives and Strategies - The branch has prioritized the transparency of financing costs as a key service to the real economy, establishing a special task force and creating a comprehensive work plan to ensure effective implementation of policies [2]. - Training sessions for credit personnel have been organized to ensure a thorough understanding of policy implications, and the bank has integrated policy explanations into the entire loan process [3]. Group 2: Communication and Outreach - A multi-dimensional promotional strategy has been developed, combining online and offline efforts to ensure that more enterprises can benefit from policy advantages, including immersive policy environments in physical locations and detailed online content [5]. - Customized promotional materials are being sent to clients, and dedicated personnel are available to answer questions, facilitating the effective implementation of financing cost transparency policies [5]. Group 3: Commitment to Quality Service - The Jiangxi Branch aims to enhance its financing cost transparency services, striving to provide higher quality, more transparent, and efficient financial services to support the high-quality development of the real economy [6].

Core Insights - The introduction of the "Loan Clarity Sheet" aims to enhance transparency in financing costs for enterprises, allowing them to clearly understand loan-related expenses such as interest and assessment fees [2][3] - The pilot program initiated by the Panzhihua branch of Postal Savings Bank focuses on improving professional capabilities, enhancing promotional efforts, and fostering trust between banks and enterprises [3][4] Group 1: Loan Clarity Initiative - The "Loan Clarity Sheet" allows enterprises to see all financing costs unified as an annualized rate, breaking down the "ambiguity of financing costs" [2] - The pilot program started in April 2025, with the Panzhihua branch of the People's Bank of China overseeing the initiative [2] - The program has already seen the approval of 800 million yuan in loans, with the bank covering 11,000 yuan in property assessment fees for a local construction company [2] Group 2: Bank's Strategic Actions - Postal Savings Bank has organized specialized training for customer managers to ensure accurate and transparent communication of costs to enterprises [3] - The bank has distributed 5,000 promotional brochures about the "Loan Clarity Sheet" and utilized advertising screens to explain financing cost structures [3] - As of July, the bank's personal business loan balance reached 1.556 billion yuan, leading among state-owned banks in the city, with 17 "Loan Clarity Sheets" filled out covering loans totaling 188 million yuan [3] Group 3: Future Directions - The bank plans to expand the pilot program to include online loans, aiming to address the "high financing" issue and promote a win-win development model between banks and enterprises [4]

真金白银让利 赢得企业信任 四川银行泸州分行此举不仅消除了企业对融资费用的疑虑，更以实实在在的费用减免传递了让利诚 意。透明的成本信息成为建立互信的基石，让企业在获得高效金融支持的同时，感受到银行服务小微、 优化营商环境的决心。一张"明白纸"，清晰了成本，温暖了企业的心。 四川银行泸州分行将坚持"好雨知时 润物无声"的企业文化，持续深化融资成本透明化改革，推 动"明白纸"覆盖更多企业融资场景，切实降低实体经济融资的"隐形门槛"，为泸州经济高质量发展注入 更透明、更普惠的金融活水。 为响应中国人民银行泸州市分行关于明示企业贷款综合融资成本的试点要求，推动融资成本阳光 化，四川银行泸州分行自今年4月起全面铺开此项工作。该行以企业自愿为原则，会同企业共同填写 《企业贷款综合融资成本清单》，将贷款利率、资产评估费、抵押登记费等各项费用逐项列明，充分展 示银行与企业各自承担的成本，让企业对"贷款究竟花了多少钱"做到心中有数。 一张清单 成本透明看得见 试点工作的核心在于这张"明白纸"——《企业贷款综合融资成本清单》。银行与企业携手填写，不 仅清晰展示贷款利息的计算方式，更将银行主动承担的资产评估费、抵押登记费等支出明确 ...