HARBIN BANK "Money Home" digital credit product accurately serves the real economy.

In the process of advancing digital transformation and inclusive financial services, HARBIN BANK launched the "Money to Home" digital credit product in 2025, integrating cutting-edge technologies such as cloud computing, AI, and big data. With the ultimate service experience of "scan the code in one second, apply in one minute, approve in one minute, and withdraw with one click", it has established an efficient and intelligent new paradigm for retail financial services. "Money to Home", with its convenience and efficiency, effectively solves the funding difficulties for many businesses and individuals. Mr. Ma, a resident of Harbin and the head of a decoration company, faced cash flow pressure due to slow repayment of project funds and urgently needed to purchase materials such as sand, cement, etc. After learning about HARBIN BANK's "Money to Home" product, Mr. Ma only needed his ID card to apply online with a quick scan on his mobile phone. In less than 3 minutes, he was approved and successfully withdrew 160,000 RMB, timely relieving the operational pressure and ensuring the smooth progress of his project. "Money to Home" breaks traditional credit barriers and extends services to a wider range of people, relying on a big data risk control model covering more than 4,000 dimensions, significantly enhancing the efficiency of financial services. It allows financial resources to reach the real economy more accurately and quickly. By precisely connecting with high-value consumption, tourism, education, and other key livelihood scenes, it helps stimulate regional consumer potential. It also provides fast and flexible working capital support for individual businesses and micro-enterprise owners with high-frequency, small-scale, and diversified funding needs, effectively optimizing the regional business environment. Since its official launch in June 2025, the "Money to Home" service has shown outstanding performance. The total credit scale has exceeded 8.5 billion RMB, and the service balance has exceeded 1.3 billion RMB. It demonstrates strong service efficiency in supporting micro-enterprises, promoting the circulation of the real economy, and has become an important milestone in HARBIN BANK's digital transformation and inclusive financial practice.