Core Insights - The introduction of a "Loan Clarity Document" by banks enhances transparency in loan costs for enterprises, transforming previously unclear financing into a clear understanding of costs [1][2] - The initiative aims to reduce unreasonable loan fees, such as excessive guarantee fees and intermediary fees, thereby lowering overall financing costs for businesses [2] - The pilot program has received positive feedback from various enterprises and is set to expand its coverage to benefit more companies [3] Group 1 - The "Loan Clarity Document" is a comprehensive cost list that details interest and non-interest expenses associated with loans, including payment methods and cycles, ultimately presenting the actual annualized interest rate [1] - The initiative has successfully prevented enterprises from falling victim to high-cost intermediary loans by clearly outlining the true costs involved [2] - Banks are actively engaging with enterprises to customize financial services, leading to significant cost savings for businesses, such as waiving certain fees [2] Group 2 - The pilot program is currently implemented across all of Beijing, covering various types of loans for technology-based SMEs, and is well-received by the business community [3] - The People's Bank of China in Beijing plans to summarize the pilot experience and gradually expand the initiative to further reduce social financing costs and improve financial services for the real economy [3]

为深入贯彻落实中国人民银行关于"提升金融服务透明度、切实降低企业综合融资成本"的工作要求，兴 业银行北京分行以科技型中小企业为试点突破口，于8月15日正式在全行范围内启动"明示企业贷款综合 融资成本"试点工作，通过创新服务模式、强化银企互信，切实提升金融服务实体经济质效。 下一步，北京分行将持续做好三方面工作：一是加强客户宣传引导，通过线上线下（300959）多渠道普 及综合融资成本透明化的重要意义，提升企业参与积极性；二是建立"收集-反馈-优化"闭环机制，及时 汇总试点过程中企业提出的意见建议，动态调整服务方案；三是定期总结试点经验，形成可复制、可推 广的科技型中小企业服务模板，逐步向全部融资企业延伸，切实履行金融机构"减费让利、惠企利民"的 社会责任。 试点先行，科技企业率先受益 兴业银行北京分行相关负责人表示："明示综合融资成本是落实金融服务实体经济的务实举措。"未来， 北京分行将以此次试点为契机，通过透明化、精准化的服务，让企业"明明白白融资"，助力科技型中小 企业轻装上阵、专注发展，为稳增长、促创新贡献金融力量。 试点工作启动以来，北京分行聚焦科技型中小企业融资需求特点，选取北京路凯智行科技有限公司 ...