为促进企业贷款综合融资成本更加公开透明，保护金融消费者合法权益，进一步降低实体经济综合融资 成本，建行茂名市分行全面推广使用《企业贷款综合融资成本清单》（俗称"贷款明白纸"），将贷款涉 及的年化利率、担保费、评估费等所有成本项目清晰列明，从源头上帮助企业精准把握融资总成本。 讲清"明白纸"，助推政策高频触达。为落实关于明示企业贷款综合融资成本的工作部署，建行茂名市分 行充分发挥线下网点阵地宣传作用，各网点电子门楣24小时滚动循环播放 "一张贷款'明白纸'助您融资 成本再下降"宣传口号，各业务办理柜台定点摆放"理清融资成本明细账 助力企业负担再下降"等宣传物 料，让广大市民、办事企业客户能即时获取政策信息，实现政策触达"即见即知"，以主动作为的姿态， 构建互信共赢的"银企"合作关系。 "一张贷款明白纸 理清成本明细账"，通过"银企"双方共同盘点、一起算账的方式，有效消除了企业融 资成本信息不对称的问题，让信息"多跑路"、让企业"少疑虑"，以公开透明的服务传递金融温度。茂名 建行相关负责人表示，信息的公开透明有利于增强银企双方互信，为企业发展提供有力保障。下一步， 该行将持续推进"明示企业贷款综合融资成本"相关工 ...

Core Viewpoint - The introduction of the "Loan Clarity Document" aims to enhance transparency in corporate loan costs, reduce hidden fees, and support the development of the real economy through clearer financing terms [1][4]. Group 1: Implementation and Impact - The People's Bank of China initiated a pilot program in September 2024 across five provinces, which has now expanded to cover most provinces in the country [1][3]. - The weighted average interest rate for new corporate loans was 3.3% in the first half of the year, down 45 basis points from the same period last year, while personal housing loan rates fell to 3.1%, a decrease of 60 basis points [1][4]. - In Jiangxi province, the average comprehensive financing cost for corporate loans decreased by 51 basis points since the pilot began, with non-interest costs dropping by 17 basis points [4]. Group 2: Benefits for Enterprises - The "Loan Clarity Document" allows enterprises to understand not only the interest rates but also other costs such as assessment fees, insurance fees, and mortgage fees, which are often borne by banks [2][3]. - For example, a company in Shaoxing was able to reduce its comprehensive financing cost from 2.51% to 2.41% by utilizing the document, saving over ten thousand yuan in interest [3]. Group 3: Changes in Banking Practices - Banks are required to optimize compliance and standardize the disclosure of all potential fees throughout the loan process, enhancing transparency and accountability [6][7]. - The "Loan Clarity Document" encourages banks to shift from a "price war" to a "value war," focusing on improving product innovation and risk management rather than solely competing on price [5][6]. Group 4: Regulatory and Market Implications - The document imposes stricter disclosure obligations on banks, necessitating the establishment of comprehensive cost accounting mechanisms to ensure all fees are justified and transparent [7][8]. - Banks are encouraged to strengthen their collaboration with monetary policy and regulatory frameworks to dynamically adjust loan pricing and enhance the efficiency of financing [8].