Anchoring the new blueprint for the 15th Five-Year Plan, Harbin Bank uses its financial strength to assist in the high-quality development of the Heilongjiang economy.

Currently, the whole country is focusing on the key node of the formulation of the "15th Five-Year Plan". Heilongjiang Province, based on its strategic positioning of "Three Bases, One Barrier, One High Ground", and using the construction of the "4567" modern industrial system as the focal point, has outlined a development blueprint for comprehensive and all-round revitalization in the new era. As a local legal entity bank rooted in Heilongjiang, HARBIN BANK actively integrates its own development into the national and local strategic framework, takes deepening reform and transformation as the driving force, and precise financial services as the link, continuously exerting efforts in supporting the real economy, promoting rural revitalization, and assisting in opening up, and using practical actions to write a high-quality development answer sheet, injecting strong financial momentum into the local economic development. Focusing on industrial upgrading to solidify the "cornerstone" of economic development Industry prospering leads to economic prosperity. HARBIN BANK has always considered serving the real economy as the starting point and foothold of financial work, closely following the deployment requirements for industrial upgrading in the 15th Five-Year Plan of Heilongjiang Province, and increasing the credit allocation to key areas and key links. Focusing on the transformation of manufacturing industry to high-end, intelligent, and green, the bank strengthens industry research and precise connection, focusing on supporting high value-added enterprises that occupy the core position in the industrial chain, and continuously increasing the supply of medium and long-term loans to the manufacturing industry, providing stable funding support for optimizing and upgrading the industrial structure. In the field of technology, the bank focuses on the core requirement of "accelerating the formation of new productive forces", strengthens financial product innovation, optimizes financing support, and policy resource tilting. Targeting the financing pain points of technology innovative companies, the bank uses a dual drive of product innovation and mechanism building to provide financial support to these companies. It has innovatively launched the "New Quality Loan" product, breaking the traditional financial evaluation mode, and using a "scorecard" to evaluate the enterprise's innovation level, academic research capabilities, growth potential, and other eight innovation factors, fully activating the financing value of intangible assets such as patents, effectively broadening the financing channels for technology innovative companies. As of now, the amount of "New Quality Loan" products issued has reached 115 million yuan. In the energy field, the bank fully incorporates the concept of green into all aspects of operation and development, and systematically constructs a multi-level green financial service system. In terms of system design, guided by the implementation plan for the "Five Big Articles" on finance and the promotion plan for green finance work of HARBIN BANK, it continuously improves the full-chain mechanism covering strategic planning, organizational guarantee, and incentive assessment, solidifying the institutional foundation for green transformation. In terms of product innovation, actively promoting market tools such as "Sustainable Development Linked Loans", linking key loan elements such as loan interest rates with the enterprise's sustainable development performance goals (SPT) and key performance indicators (KPI), guiding and incentivizing enterprises to promote energy saving, carbon reduction, and green upgrades. In terms of project promotion, focusing on areas such as carbon emissions reduction support tools application, abandoned mine ecological restoration, and industrial low-carbon transformation, expanding the application scenarios of transformation finance, and has achieved breakthroughs in several "first transactions" projects, including the nation's first "ESG-linked data asset pledge loan" and the province's first steel industry transformation finance project. Currently, the balance of green loans in HARBIN BANK is close to 20 billion yuan, driving a reduction of 69,000 tons of carbon emissions per year in Heilongjiang Province, providing solid financial support for Heilongjiang to achieve its "dual carbon" goals and promote green and high-quality development of the real economy. Deepening rural revitalization to activate the "new engine" of black soil revitalization As an agricultural province, rural revitalization is a key topic in the 15th Five-Year Plan of Heilongjiang Province, guaranteeing national food security and strengthening agricultural brand is a core task. Leveraging the agricultural resources of Heilongjiang, HARBIN BANK deeply cultivates the rural financial market, constructing a financial service system that covers the entire cycle of agricultural production and various rural life scenes, becoming a financial "main force" to help rural comprehensive revitalization. Around key nodes such as spring farming, summer management, and autumn harvest, the bank continuously innovates in agricultural financial products, launching fully online "Agricultural Flash Loan" products, enabling the whole process of spring farming loans to be conducted online, with a total investment amount reaching 26.5 billion yuan; for the financing needs of new agricultural operating entities, the innovative "Agricultural Property Rights Finance Loan" is introduced, realizing "autumn harvest loans to spring sowing" through the pledge of anticipated crop returns. To support the construction of the "Black Soil Premium" agricultural brand in Heilongjiang, the bank has launched a special "Black Soil Premium Loan" business, with a total amount exceeding 1.7 billion yuan; at the same time, with scene-based products such as "Agricultural Machinery Purchase Loan", "Agricultural Input and Machinery Distribution Loan", "Grain Trade Processing Loan", accurately meeting the needs of different agricultural related groups, with the "Agricultural Input and Machinery Distribution Loan" exceeding 2.3 billion yuan, and the loan amount for "Grain Trade Processing Loan" reaching 4.5 billion yuan. The bank's agricultural loan balance is 265.9 billion yuan, with a household loan balance of 142.3 billion yuan, covering 11 prefecture-level cities in Heilongjiang Province, 7 major agricultural reclamation bureaus, and rural markets in several areas outside the province, providing solid financial support for ensuring food security and promoting agricultural modernization. Practicing inclusive finance to build a "safety net" for people's livelihood security The ultimate goal of high-quality development is to enhance people's well-being. HARBIN BANK adheres to the positioning of "Citizen Bank, Hometown Bank", takes inclusive financial services as the starting point, continuously extends service tentacles, improves service quality and efficiency, making financial services more warm. In the field of microfinance, the bank has launched the new generation of retail credit digital product "Money to Home", precision watering small and micro enterprises through big data risk control and fully online management. As of now, the balance of inclusive small and micro enterprise loans in the bank has reached 41.187 billion yuan, with a growth rate of 11.69%. At the same time, the average loan pricing has decreased by 0.5 percentage points, effectively reducing the financing costs for small and micro enterprises. In the field of retail finance, the bank is accelerating the transformation of "online + offline" full-channel collaboration, constructing a "financial + non-financial" comprehensive service model, serving over 15.08 million retail customers and issuing and replacing 1.64 million third-generation social security cards for customers. Addressing the different needs of different customer groups such as the elderly and children, the bank continuously enhances service professionalism, deepens the "nearby service" of social security, effectively enhancing citizens' sense of achievement and satisfaction in financial services. Standing at the new starting point of the 15th Five-Year Plan, HARBIN BANK will continue to anchor the goals of the national and Heilongjiang Province 15th Five-Year Plan, taking deepening reform and transformation as the core driving force, continuously breaking through key areas such as technology finance, green finance, inclusive finance, pension finance, digital finance, etc., continually improving the precision and effectiveness of financial services, and using higher-quality financial supply to help Longjiang Province build a modern industrial system, promote rural comprehensive revitalization, enhance the level of opening up, and contribute greater financial strength to the all-round revitalization of Heilongjiang Province.