“贷款明白纸”走进咖啡园区 以成本透明护航咖香致远'Loan Understanding Paper' Enters Coffee Parks to Escort Coffee Fragrance with Cost Transparency

为促进企业贷款综合融资成本更加公开透明，推动企业融资成本下降，持续优化企业融资环境，中国人民银行普洱市分行深入推进明示企业贷款综合融资成本工作（以下简称“明示工作”），围绕云南省金融支持民营企业专项行动工作要求，聚焦普洱特色产业和小微企业经营主体，将明示工作与优化咖啡产业金融服务深度融合，通过政策宣传、服务下沉、降本增效，全面助力普洱市咖啡产业高质量发展。

普洱是中国咖啡种植面积最大、产量最高的主产区，全市咖啡种植面积达73万亩，综合产值超100亿元。咖啡产业是普洱的特色优势产业，也是金融支持的重点领域。为帮助咖啡企业既“贷得到”又“算得清”，中国人民银行普洱市分行以咖啡企业为背景，联合工商银行普洱分行拍摄制作主题宣传视频《贷款融资成本知多少？秘密都在“贷款明白纸”里》。视频紧扣咖啡企业日常经营融资场景，创新融入普洱当地方言，用通俗直白的语言介绍明示工作内容及综合融资成本构成，帮助市场主体理解政策，用“一张明白纸厘清成本明细账”，有效提升了明示工作的知晓度、理解度与接受度。

中国人民银行普洱市分行联合辖区金融机构，组建“明示融资成本 助力咖啡飘香”政策宣讲团，深入普洱咖啡园区宣传讲解明示企业贷款综合融资成本政策。宣讲团成员走进咖啡种植基地、初加工厂房和精深加工车间，面对面详细解读政策意义、介绍明示工作内容、讲解《企业贷款综合融资成本清单》填写要素，并现场使用“成本试算”小程序演示年化费率的计算方法，帮助企业人员填写“贷款明白纸”，确保每一笔融资成本列得全、算得准、说得明。

“以前去银行贷款，利率是知道的，但评估费、担保费花了多少总是算不清楚。现在有了这张‘贷款明白纸’，每项费用都列得清清楚楚，真的放心多了。”在咖啡厂房里，一位企业负责人拿着刚填完的“贷款明白纸”感慨道。

在推进明示工作过程中，中国人民银行普洱市分行积极引导辖区金融机构将服务理念从“被动告知成本”转向“主动优化成本”，结合咖啡产业特点，主动优化融资服务，化解企业融资难题。

普洱某咖啡企业因经营淡旺季明显，需大量流动资金周转，但可抵押物不足，融资一度受阻。思茅农商银行了解情况后，依托“贷款明白纸”全面梳理企业状况、优化融资方案，在重新评估存量抵押物后，为企业新增授信1000万元，并全额承担抵押物评估费用3260元，既满足了企业旺季资金周转需求，又有效降低了企业综合融资成本。

自明示工作开展以来，普洱市共组织明示咖啡企业贷款综合融资成本30笔，引导银行业金融机构为咖啡企业承担贷款利息外费用1.4万元。2026年一季度，全市新发放咖啡企业贷款加权平均利率2.84%。通过融资透明化带动成本下降，咖啡企业对降本增效的获得感显著增强。

责任编辑：袁浩

In order to promote greater openness and transparency in the comprehensive financing costs of enterprise loans, drive down the financing costs of enterprises, and continuously optimize the financing environment for enterprises, the Pu'er Branch of the People's Bank of China has deeply promoted the work of expressing the comprehensive financing costs of enterprise loans (hereinafter referred to as "explicit work"), focusing on the special action requirements of Yunnan Province's financial support for private enterprises, focusing on Pu'er's characteristic industries and small and micro enterprise operating entities, deeply integrating explicit work with optimizing financial services for the coffee industry, and comprehensively assisting the high-quality development of Pu'er's coffee industry through policy promotion, service sinking, cost reduction and efficiency improvement.

Pu'er is the largest and highest yielding coffee producing area in China, with a total coffee planting area of 730000 acres and a comprehensive output value exceeding 10 billion yuan. The coffee industry is a characteristic advantage industry of Pu'er and a key area of financial support. To help coffee companies both "obtain loans" and "calculate clearly", the Pu'er Branch of the People's Bank of China, in collaboration with the Pu'er Branch of the Industrial and Commercial Bank of China, produced a themed promotional video titled "How Much Do You Know about Loan Financing Costs? Secrets are All in the 'Loan Understanding Paper'" with coffee companies as the background. The video closely follows the daily operation and financing scenarios of coffee companies, innovatively incorporating the local dialect of Pu'er, introducing the explicit work content and comprehensive financing cost composition in simple and straightforward language, helping market entities understand policies, and clarifying the cost breakdown with a clear sheet of paper, effectively enhancing the awareness, understanding, and acceptance of explicit work.

The Pu'er Branch of the People's Bank of China, in conjunction with financial institutions in its jurisdiction, has formed a policy promotion team called "Explicitly Expressing Financing Costs to Help Coffee Fragrance", which will go deep into the Pu'er Coffee Park to promote and explain the comprehensive financing cost policy for clearly indicating enterprise loans. The members of the preaching team walked into the coffee planting base, initial processing plant, and deep processing workshop, interpreting the policy significance in detail face-to-face, introducing the explicit work content, explaining the elements of filling in the "Comprehensive Financing Cost List for Enterprise Loans", and demonstrating the calculation method of annualized rates on site using the "Cost Trial Calculation" mini program to help enterprise personnel fill out the "Loan Understanding Paper", ensuring that each financing cost is listed completely, calculated accurately, and explained clearly.

In the past, when I went to the bank for a loan, I knew the interest rate, but I couldn't figure out how much I spent on the evaluation fee and guarantee fee. Now that I have this' loan understanding paper ', every expense is clearly listed, and I really feel much more at ease. "In a coffee shop, a business manager held the just filled out' loan understanding paper 'and sighed.

In the process of promoting the explicit work, the Pu'er Branch of the People's Bank of China actively guides financial institutions in its jurisdiction to shift their service concept from "passive cost disclosure" to "active cost optimization". Combining with the characteristics of the coffee industry, it actively optimizes financing services and resolves corporate financing difficulties.

A certain coffee enterprise in Pu'er needs a large amount of working capital turnover due to the obvious peak and off peak seasons of operation, but there is insufficient collateral, which has hindered financing for a period of time. After understanding the situation, Simao Rural Commercial Bank comprehensively sorted out the enterprise's situation and optimized the financing plan based on the "loan clear paper". After re evaluating the existing collateral, it added a credit of 10 million yuan to the enterprise and fully borne the collateral evaluation fee of 3260 yuan. This not only meets the enterprise's peak season capital turnover needs, but also effectively reduces the enterprise's comprehensive financing costs.

Since the implementation of the explicit work, Pu'er City has organized a total of 30 explicit comprehensive financing costs for coffee enterprise loans, guiding banking and financial institutions to bear 14000 yuan in loan interest and other expenses for coffee enterprises. In the first quarter of 2026, the weighted average interest rate for newly issued coffee enterprise loans in the city was 2.84%. By promoting transparency in financing to drive cost reduction, coffee companies have significantly increased their sense of achievement in reducing costs and increasing efficiency.

Responsible Editor: Yuan Hao