天眼查App显示，近日，澳恒科技（滕州）有限公司成立，法定代表人为李士州，注册资本300万人民 币，经营范围为一般项目：技术服务、技术开发、技术咨询、技术交流、技术转让、技术推广；新材料 技术研发；毛皮制品加工；皮革制品制造；服装辅料制造；服装制造；工业用动物油脂化学品制造；皮 革、毛皮及其制品加工专用设备制造；皮革、毛皮及其制品加工专用设备销售；皮革制品销售；皮革销 售；鞋和皮革修理；畜禽收购；工业用动物油脂化学品销售；初级农产品收购；水产品收购；集中式快 速充电站；电动汽车充电基础设施运营。（除依法须经批准的项目外，凭营业执照依法自主开展经营活 动）。 ...

天眼查App显示，近日，高碑店市荣程配送服务有限公司成立，法定代表人为王伟，注册资本1万人民 币，经营范围为许可项目：城市配送运输服务（不含危险货物）;道路货物运输（不含危险货物）（依 法须经批准的项目，经相关部门批准后方可开展经营活动，具体经营项目以批准文件或许可证件为准） 一般项目：运输货物打包服务;代驾服务;箱包制造;箱包销售;服饰制造;服装服饰零售;五金产品零售;金属 制品销售;五金产品制造;金属制品修理;广告发布;广告制作;广告设计、代理;技术服务、技术开发、技术 咨询、技术交流、技术转让、技术推广;互联网销售（除销售需要许可的商品）;信息咨询服务（不含许 可类信息咨询服务）;塑料制品制造;塑料制品销售;皮革制品制造;皮革制品销售;国内货物运输代理（除 依法须经批准的项目外，凭营业执照依法自主开展经营活动）。 ...

Core Insights - The article discusses the introduction of a "Loan Clarity Sheet" by the People's Bank of China to enhance transparency in corporate loan financing, particularly for small and medium-sized enterprises (SMEs) [1][4][6] - The initiative aims to reveal hidden costs associated with loans, allowing businesses to better understand their total financing costs and make informed decisions [3][6][9] Group 1: Loan Clarity Sheet Implementation - The "Loan Clarity Sheet" requires banks and enterprises to itemize all costs associated with loans, including interest rates, collateral fees, and intermediary charges, and to express these costs as annualized rates [4][6] - This initiative has led to significant cost savings for SMEs, as evidenced by case studies where businesses discovered hidden fees and were able to negotiate better financing terms [5][8] Group 2: Impact on SMEs - SMEs have historically faced a dual structure of financing costs, with official loan rates being lower than the actual costs incurred due to additional fees from intermediaries and third-party services [3][6] - The article highlights specific cases where SMEs were able to reduce their financing costs significantly by utilizing the "Loan Clarity Sheet," leading to a decrease in financial burdens [5][7] Group 3: Changes in Banking Practices - The introduction of the "Loan Clarity Sheet" has prompted banks to improve their service offerings and better match financing products to the needs of SMEs, resulting in a 23% increase in product adaptability [7][9] - Banks are now more proactive in identifying potential cost-saving opportunities for SMEs, fostering a more collaborative relationship between banks and businesses [8][10] Group 4: Challenges and Future Prospects - Despite the positive outcomes, challenges remain in enforcing compliance among third-party service providers, as they may still impose additional fees despite banks' efforts to eliminate them [9][10] - The article notes that broader acceptance of the "Loan Clarity Sheet" among SMEs will take time, particularly in regions with lower financial literacy [10]