As China focuses on drafting the 15th Five-Year Plan, Heilongjiang Province is advancing its strategic positioning as "three bases, one barrier, and one hub," with a modern industrial system labeled "4567" driving its blueprint for comprehensive revitalization. As a regional bank deeply rooted in Heilongjiang, Harbin Bank has proactively aligned its development with national and local strategies. Through deepening reforms and targeted financial services, the bank has strengthened support for the real economy, rural revitalization, and opening-up, injecting robust financial momentum into local economic growth.
**Driving Industrial Upgrading: Stabilizing Economic Growth** Industrial prosperity fuels economic vitality. Harbin Bank prioritizes serving the real economy, aligning with Heilongjiang’s industrial upgrade goals under the 15th Five-Year Plan. The bank has increased credit support for key sectors, particularly in high-end, smart, and green manufacturing. By focusing on high-value-added enterprises at the core of industrial chains, it has expanded medium- to long-term manufacturing loans, providing stable funding for industrial optimization.
In technology, the bank emphasizes fostering "new quality productive forces" through financial innovation. Addressing the financing challenges of tech firms—such as light assets, high risk, and lack of collateral—it launched the "New Quality Loan," which evaluates firms based on innovation tiers, R&D capabilities, and growth potential rather than traditional financial metrics. This product has unlocked financing via intangible assets like patents, disbursing ¥115 million to date.
**Green Finance: Supporting Sustainable Development** Harbin Bank has embedded sustainability across its operations, building a multi-tiered green finance system. Guided by policies like its "Five Key Financial Tasks" and green finance promotion plans, the bank has established mechanisms covering strategy, organization, and incentives. It introduced market-driven tools such as "Sustainability-Linked Loans," tying interest rates to corporate sustainability goals (SPT/KPIs) to incentivize decarbonization.
Notably, the bank pioneered China’s first "ESG-Linked Data Asset Pledged Loan" and Heilongjiang’s first steel industry transition finance project. With nearly ¥20 billion in green loans, it has facilitated annual carbon reductions of 69,000 tons, bolstering the province’s "dual-carbon" targets.
**Rural Revitalization: Empowering Agriculture** As a major agricultural province, Heilongjiang’s 15th Five-Year Plan prioritizes rural revitalization and food security. Harbin Bank has tailored financial products for farming cycles, including the fully digital "Agri-Flash Loan" (¥2.65 billion disbursed) and "Agricultural Rights Financing Loan," which uses future harvests as collateral.
To promote Heilongjiang’s premium "Black Soil" brand, the bank launched dedicated loans exceeding ¥170 million. Scenario-based products like "Farm Machinery Purchase Loans" and "Grain Processing Loans" have addressed diverse rural needs, with ¥230 million and ¥450 million disbursed, respectively. Its rural loan portfolio totals ¥26.59 billion, covering 11 cities and seven state farms, underpinning agricultural modernization.
**Inclusive Finance: Enhancing Livelihoods** Harbin Bank, as a "community bank," advances inclusive finance to improve public welfare. Its digital micro-loan product "Money to Home" leverages big data for efficient SME funding, with small business loans reaching ¥41.19 billion (up 11.69%) at lower rates.
Retail services span 15.08 million customers, including social security card issuance for 1.64 million. Tailored services for seniors and children, alongside "nearby convenience"社保 initiatives, have elevated customer satisfaction.
As the 15th Five-Year Plan begins, Harbin Bank will deepen reforms in tech, green, inclusive, pension, and digital finance, enhancing precision and impact. By supporting industrial modernization, rural revitalization, and global integration, it aims to propel Heilongjiang’s comprehensive resurgence with high-quality financial solutions.
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