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