中原银行洛阳分行在"千企万户大走访"中了解到企业需求后，立即组建业务小组开展实地调查，针对企 业实际情况，积极推荐"无还本续贷"政策，同时通过"绿色通道"简化审批流程，确保审批时效。在贷款 到期前，成功发放700万元的续贷资金。此次合作中，洛阳分行不仅提供700万元续贷支持，还主动下调 贷款利率，为企业节省融资成本超2万元。 作为省属法人银行分支机构，中原银行积极响应国家支持小微企业发展的政策号召，始终将自身发展融 入区域发展大局。下一步，该行将持续深化落实小微企业融资协调机制，加大无还本续贷政策宣导，对 符合条件的企业实行"无缝衔接"的贷款续作，切实缓解小微企业还款压力，进一步提升金融服务质效， 助力小微企业稳健发展。（娄祥） 来源：环球网 近日，中原银行洛阳分行积极响应国家支持小微企业发展的政策号召，通过"小微企业融资协调机制"创 新服务模式，成功为洛阳某科技股份有限公司发放700万元无还本续贷资金，以"无缝衔接"的金融支持 帮助企业破解融资难题，为地方科技型企业高质量发展注入强劲动能。 据了解，洛阳某科技股份有限公司集研发、制造、销售为一体，深耕金属材料制造及新材料领域。中原 银行洛阳分行自2021年起 ...

为进一步落实中国人民银行关于规范企业融资成本明示工作的政策要求，持续优化区域融资环境，提升 金融服务透明度和实体经济服务效能，新沂农村商业银行积极响应、全面部署，扎实推进企业综合融资 成本明示机制，让企业融资更安心、更放心。 为确保该项工作高效、有序开展，新沂农商银行专门成立专项领导小组，由信贷管理部牵头，计划财务 部负责政策宣导，各业务部门和支行具体执行，全面强化组织领导和过程管理，实现从融资成本测算、 明示到贷后服务的全流程覆盖。 以某新材料企业为例，该企业因经营周转需申请流动资金贷款。针对其"融资难、融资贵"的痛点，新沂 农商银行为其精准匹配了由融资担保公司提供增信的"小微贷"产品，贷款年化利率为3.8%，担保费2000 元。 未来，新沂农商银行将继续扩大融资成本明示范围，细化服务流程，加强政策宣传与沟通，努力构建更 加透明、诚信、高效的金融服务生态，切实提升服务实体经济的能力和水平，助力企业稳健发展。 刘 瑞瑞 融资成本明示不仅增强了银企之间的信息对称，推动双方关系由"交易型"向"伙伴型"转变，也助力银行 更精准识别企业需求，持续优化金融服务。如"无还本续贷"等创新业务的推出，进一步缓解了企业融资 压 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Chongzuo Branch has been actively enhancing financial services for small and micro enterprises since 2025, addressing the challenges of "difficult and expensive financing" [1] Group 1: Financial Support for Small and Micro Enterprises - As of August 31, the loan balance for small and micro enterprises reached 1.552 billion yuan, an increase of 337 million yuan since the beginning of the year, significantly supporting local small and micro enterprise development [1] - The bank has established a professional financial service team to better align with the needs of enterprises, enhancing communication with government departments and small businesses [1] Group 2: Tailored Financial Solutions - The team conducts in-depth investigations to understand the operational status of clients and develops customized financing solutions based on the local economic conditions, industry characteristics, and distribution of small micro-industries [1] - The bank plans to promote policies such as "no principal repayment renewal loans" and credit loans to ensure that policy benefits reach the operating entities [1] Group 3: Future Plans and Innovations - ICBC Chongzuo Branch aims to continue exploring innovative financial products and service models to improve service quality and efficiency [1] - The goal is to provide more convenient and efficient financial services to small and micro enterprises, injecting stronger financial momentum into the region's high-quality economic development [1]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is enhancing its financial services for private enterprises, focusing on diversified financial needs and increasing credit support to stimulate regional economic development [1][2][3] Group 1: Financial Support and Growth - As of August 2025, the loan balance for private enterprises at ICBC Beihai Branch increased by over 280 million yuan, with a growth rate exceeding 20% [1] - The branch's inclusive loan balance rose by over 350 million yuan, achieving a remarkable growth rate of 42.8% [1] Group 2: Service Optimization and Digital Transformation - ICBC Beihai Branch is building a collaborative service network with a focus on "professional teams + grassroots outlets," ensuring comprehensive coverage of inclusive financial services across 16 outlets [1] - The bank is promoting digital transformation by developing an online product system that includes "Quick Business Loans + Digital Supply Chain + Specialty Scene Financing," targeting local enterprises with customized financial solutions [1] Group 3: Supporting Industry Upgrades and Cost Reduction - The branch is actively supporting key industry projects, such as integrated forestry and paper projects and ultra-white glass production lines for the solar industry, by providing project loans [2] - ICBC Beihai Branch has established a mechanism for regular assessment of enterprise financing needs, utilizing tools like "no repayment renewal loans" to alleviate temporary cash flow pressures for small and micro enterprises [2] Group 4: Enhanced Engagement and Customized Solutions - The bank is conducting a "thousand enterprises, ten thousand households" outreach initiative to understand the actual needs of private enterprises, leading to the development of customized financial service plans [3] - ICBC Beihai Branch is deepening collaboration with local government and industry organizations to extend financial services to various business clusters, addressing urgent issues faced by private enterprises [3]

Core Viewpoint - The implementation of the "Loan Clarity Document" in Shanxi Province has significantly improved transparency in financing costs for small and micro enterprises, helping them avoid hidden fees and reducing overall financing costs [2][9]. Group 1: Implementation and Impact - As of July 2023, Shanxi Province has completed 31,100 loans totaling 183.05 billion yuan under the comprehensive financing cost disclosure initiative [2]. - The "Loan Clarity Document" itemizes various costs such as interest, guarantee fees, and assessment fees, converting them into an annualized rate, thus addressing the previous challenges of unclear financing costs [2][9]. - The initiative has been particularly beneficial in helping small enterprises save on financing costs, with one company saving nearly 150,000 yuan by avoiding a 3% channel fee [3]. Group 2: Promotional Strategies - The People's Bank of China in Yuncheng and Yangquan has employed a dual approach of online promotion and offline explanations to ensure that enterprises understand the costs involved [3]. - Financial institutions have created easy-to-understand videos and conducted face-to-face sessions to clarify the "Loan Clarity Document" [3][4]. Group 3: Collaborative Efforts - The establishment of a "government-bank-enterprise" collaborative mechanism in Jinzhong has facilitated the introduction of new financial products tailored to the needs of enterprises [6][7]. - Jinzhong's financial institutions have actively engaged with local government to provide emergency funding solutions, helping companies avoid high costs associated with informal lending [6]. Group 4: Tailored Financial Products - Jinzhong City has introduced innovative financial products such as "no principal repayment renewal loans" and "living collateral" to meet the specific needs of enterprises [7]. - The establishment of a credit guarantee fund in Jinzhong has enabled banks to offer credit loans with reduced risk, encouraging lending to small and micro enterprises [7]. Group 5: Focus on Key Enterprises - The People's Bank of China in Lüliang has launched a combination of the "Loan Clarity Document" and special policies to reduce financing costs for key enterprises, particularly in high-tech sectors [8]. - Lüliang's financial institutions have successfully adjusted loan terms for qualified enterprises, allowing them to access credit without the need for guarantees [8]. Group 6: Future Directions - The People's Bank of China in Shanxi Province plans to continue promoting the comprehensive financing cost disclosure initiative, ensuring that enterprises are well-informed about their financing options [9][10].

生产车间里，智能化设备轰鸣运转；财务台账上，应收账款回款记录清晰稳定。结合企业多年良好的信 用表现，滨州农商银行给出"无还本续贷"方案，不仅无缝衔接了贷款周期，还主动承担了抵押评估等费 用。"从发现难题到解决问题，只用了3天。"尚自鹏掰着手指算账，省下的"过桥费"、免掉的评估费， 加上避免的生产断档损失，实际效果远超预期。如今，随着续贷资金到位，企业生产线全速运转，新接 的核电站订单正陆续发货。 一张小小的"贷款明白纸"，不仅算清了融资的明细账，更为银企合作架起了诚信之桥。 记者从中国人民银行山东省分行了解到，"贷款明白纸"试点启动以来，该行精心组织推动，加强宣传引 导，做好对金融机构业务人员培训，与各方形成工作合力，稳妥有序推动试点，实现了机构类型全覆 盖、贷款品种全覆盖。 一方面，中国人民银行山东省分行制定了《山东省明示企业贷款综合融资成本试点实施方案》，明确试 点工作的时间表、路线图，稳步推进。将试点地市由济宁市逐步扩大到德州、聊城、滨州等14地市，试 点机构类型由商业银行逐步扩大到政策性银行和民营银行，实现机构类型全覆盖；另一方面，贷款品种 由普通企业贷款和个人经营性贷款入手，逐步扩大到银团贷款、贸易 ...

Core Viewpoint - The People's Bank of China (PBOC) has initiated a pilot program in Jining to clarify the comprehensive financing costs of corporate loans, enhancing transparency and reducing financing costs for enterprises [1][4]. Group 1: Pilot Program Implementation - The pilot program involves banks working with enterprises to fill out a "Loan Clarity Sheet," which itemizes various financing costs, ensuring financial consumers' right to know and promoting a decrease in corporate financing costs [1][4]. - Since the launch of the pilot program, Jining banks have cumulatively clarified 25,000 loan transactions amounting to nearly 250 billion yuan, leading to a year-on-year decrease of 0.31 percentage points in the average interest rate of newly issued corporate loans in the first seven months of 2025 [5]. Group 2: Impact on Enterprises - The initiative has helped businesses like a local power equipment company save significant costs by clearly outlining fees and offering products like "no principal repayment renewal loans," which reduced their financing costs from 4.0% to 3.8% [3]. - The program has fostered trust between banks and clients by eliminating information asymmetry, resulting in a more transparent and open financing process [3][4]. Group 3: Broader Implications - The pilot program is part of a broader effort by the PBOC to enhance the quality of financial services and establish a good reputation for banks, aligning with the goal of reducing financing costs for the real economy [4][5].

Core Viewpoint - The private economy is a vital force in advancing China's modernization and is an important foundation for high-quality development. Postal Savings Bank of China (PSBC) Guangzhou Branch actively supports private enterprises by innovating and enriching financing channels, providing customized, comprehensive, and integrated financial support for their development [1]. Group 1: Financial Support for Private Enterprises - PSBC Guangzhou Branch has established cooperation agreements with multiple private enterprises in the Yiyun Innovation Center, with a total credit amount exceeding 500 million yuan [4]. - The bank has provided a credit line of 210 million yuan for the small enterprise mortgage loan business related to the Yiyun Innovation Center project [3]. - As of the second quarter of this year, PSBC Guangzhou Branch has provided total loans exceeding 7 billion yuan to enterprises in the Guangzhou Private Technology Park, with over 80% of these enterprises being in the manufacturing sector [6]. Group 2: Growth of Private Enterprises - Yiyun Technology, a leading company in the Guangzhou Private Technology Park, reported a revenue of over 800 million yuan in the first half of the year, representing a 20% year-on-year growth, with an expected annual revenue of 2.5 billion yuan [2]. - Radius Electric, a private enterprise focused on conductive copper products, has a production capacity of 15,000 tons of copper bars and over 200,000 meters of bus ducts, with an annual output value of approximately 1 billion yuan [5]. - The average age of entrepreneurs in the Yiyun Innovation Center is between 30 and 40 years, indicating a trend towards younger and high-growth enterprises [2]. Group 3: Customized Financial Solutions - PSBC Guangzhou Branch has developed personalized credit products such as "Science and Technology Loans," "Micro Easy Loans," and "No Repayment Renewal Loans" to meet the diverse financing needs of enterprises at different growth stages [6]. - The bank's approach includes a comprehensive service system for the entire lifecycle of enterprises, providing all-round and multi-level financial support [6]. - The bank's customer manager highlighted the importance of tailored credit solutions to accelerate the development of enterprises, demonstrating a commitment to innovation in credit policies [5].

Core Insights - The People's Bank of China has initiated a pilot program in five provinces to enhance transparency in corporate loan financing costs starting from September 2024 [1] - The program involves the use of a standardized "Loan Clarity Sheet" to clearly outline all financing costs, ensuring that enterprises are fully informed about their loan expenses [2] Group 1: Loan Transparency - The "Loan Clarity Sheet" allows for a detailed breakdown of various financing fees, thereby safeguarding the rights of financial consumers to be informed and make choices [2] - For instance, Yantai Jintai Logistics Company applied for a loan of 5 million yuan, and through the "Loan Clarity Sheet," the comprehensive financing cost was determined to be 3.35%, which is 0.4 percentage points lower than previous inquiries [2] Group 2: Tailored Financial Services - The "Loan Clarity Sheet" not only clarifies costs but also enables banks to better understand the actual conditions of enterprises, allowing for more precise matching of preferential policies [2] - For example, Binzhou Yellow River Baoshan Concrete Company faced financial pressure due to long settlement cycles and rising raw material costs. The bank helped them secure a "no repayment renewal loan," reducing financial costs by 38% [3] Group 3: Collaborative Efforts to Optimize Financing Environment - The initiative has exposed hidden fees, facilitating collaboration among various departments to address unreasonable charges and protect borrowers' rights [4] - In the first half of 2025, government-backed financing guarantee institutions in Shandong provided support to 66,600 market entities, with a comprehensive financing cost of 5.04%, a decrease of 0.14 percentage points year-on-year [4] - The emergency transfer loan system served 16,362 small and micro enterprises, achieving a loan amount of 355 billion yuan, which is a 42.2% increase year-on-year, effectively lowering transfer loan costs by 14.9 billion yuan [4]

Group 1 - The core idea of the article is that Jiujiang Bank has introduced a "Loan Clarity Sheet" to enhance transparency in financing costs, helping businesses understand their borrowing expenses and fostering trust between banks and enterprises [1][2][3] - The "Loan Clarity Sheet" effectively addresses the issue of hidden financing costs, allowing companies to clearly see the total costs associated with their loans, which has been a significant pain point for businesses [2] - Jiujiang Bank emphasizes the importance of transparent communication and has taken proactive steps, such as covering collateral assessment fees, to build trust with clients and reduce their overall financing burden [2] Group 2 - The bank's approach includes flexible loan terms tailored to the actual needs of clients, which can lead to significant cost savings, as demonstrated by a case where a client was advised to adjust the loan duration to save on guarantee fees [2] - Jiujiang Bank is committed to providing convenient and transparent continuous financing services, as seen in the case of a client who benefited from the bank's "no repayment renewal loan" policy, reinforcing the trust in their partnership [3] - The bank aims to deepen the work of indicating comprehensive financing costs, ensuring that financial resources are effectively allocated to support the real economy and assist business owners and individual entrepreneurs [3]