这场让中小企业主直呼"看清账单"的变化，源于中国人民银行2024年9月启动的明示企业贷款综合 融资成本试点工作。银行与企业共同填写的"贷款明白纸"，正一点点揭开中小企业融资路上的"隐形面 纱"。 融资成本里的"暗礁" 在滨州黄河宝山混凝土有限公司的会议室里，公司负责人正盯着财务报表发愁。这家年产能80万立 方米的建材供应商，正被应收账款和原料成本两头"挤压"——由于工程款结算周期较长，应收账款占比 超70%，一大笔钱趴在别人的账上。而水泥、砂石采购价同比上涨15%，供应商催着预付货款才能锁定 货源。更要命的是，500万元抵押贷款即将到期，需先还本再续贷，然而，由于前期投入较大，企业流 动资金不足，无法按常规先还再借。 "中介说，找他们借过桥资金周转一下，很快就能搞定，就是要收3万多元'手续费'。"该公司有关 业务负责人回忆，算下来，这笔"过桥费"加上续贷的抵押费、评估费，对企业来说是一笔沉重的负担。 在建设银行晋江分行的柜台前，晋江市某小型企业负责人指着刚填完的《企业贷款综合融资成本清 单》感慨道："原来中介说的'必要费用'里，藏着两万多元的冤枉钱。"在这份被企业称为"贷款明白 纸"的清单上，一行行清晰罗列着 ...

Core Insights - The People's Bank of China initiated a pilot program in Chongqing to disclose comprehensive financing costs for loans, aimed at enhancing transparency for enterprises [1] - The pilot program has led to significant cost savings for businesses, with one company reporting a reduction of over 10,000 yuan in expenses [2] Group 1: Pilot Program Implementation - The pilot program started in March 2025 in Wuxi County, a key area for rural revitalization, with the goal of addressing financing pain points for the real economy [1] - As of the end of May, 567 loans totaling 254 million yuan had their comprehensive financing costs disclosed, improving the sense of gain among market participants [1] Group 2: Business Impact - Companies have expressed appreciation for the transparency provided by the financing cost disclosure, allowing them to understand all associated fees beyond just the interest rate [1] - A construction company reported that the program helped them save over 10,000 yuan by providing a clearer understanding of financing costs and available discounts [2] - A medical equipment company discovered that the bank covered certain fees that they previously thought were their responsibility, enhancing their trust in the banking relationship [2]

Core Points - The article discusses a pilot program in Haikou, Hainan, aimed at clarifying the comprehensive financing costs of loans for enterprises, enhancing transparency in the loan process [1][2] - The initiative has already assisted over 300 enterprises in reducing their financing burdens, significantly improving their sense of financial service satisfaction [2] Group 1: Loan Transparency and Costs - A specialized enterprise in Haikou applied for a 3-year, 5 million yuan mortgage loan, where the bank provided a "loan clarity paper" to outline all associated costs, including interest and third-party fees [1] - The enterprise's representative noted that previously, only interest rates were clear, but now they understand additional costs such as evaluation fees of 10,546 yuan and insurance fees of 5,280 yuan [1] Group 2: Impact on Enterprises - The pilot program has led to a noticeable enhancement in the relationship between banks and enterprises, fostering mutual trust and improving the overall financial service experience [2] - Financial institutions in Hainan have taken on various costs, such as evaluation and insurance fees, to support the initiative, thereby promoting a better financial ecosystem [2] Group 3: Future Directions - The People's Bank of China in Hainan plans to continue promoting the pilot program to further reduce financing costs for enterprises and improve the financial service environment in the Hainan Free Trade Port [2]