Financial activities nourish the fields, not delaying the farming season - HARBIN BANK is fully committed to supporting the spring farming production in 2026.

In the cold early spring, there is a warm atmosphere in the seedling greenhouses in the town of Xianfeng, Wangkui County, Suihua City. 55-year-old Shao Zhongfu squats next to the seedbed, carefully inspecting the growth of the seedlings. The tender green sprouts have already broken through the soil, and in a few days they will be ready to be transplanted into the fields. Starting from the initial loan of 290,000 yuan in 2017, to the current credit limit of 1.5 million yuan, over the course of nine years, HARBIN BANK has accompanied this "old hand" from small-scale planting to becoming a large-scale grain farmer with 2500 acres. Funds are always available just in time, agricultural materials, machinery, and seedling trays are never lacking, and Shao Zhongfu has always maintained his credit, never missing a payment in nine years. "The bank trusts me, and I must live up to that trust," he says. Shao Zhongfu, a large-scale rice farmer, uses a bed soil conveyor purchased from HARBIN BANK HARBIN BANK's Wangkui branch in Suihua grants loans to customers As the 2026 spring plowing work enters a crucial stage, HARBIN BANK is aligning with the national food security strategy, rooted in the reality of Heilongjiang as an agricultural province, continuing the tradition of putting "early" first in service. By combining credit investment, product innovation, and service upgrade, HARBIN BANK is injecting strong momentum into the spring farming production in Heilongjiang. As early as August 2025, the bank organized customer managers to visit the fields to assess the capital needs of family farms, farmer professional cooperatives, and large-scale farmers involved in agriculture; in October of the same year, it was the first to introduce a plan for spring plowing loans, clarifying the investment targets and service strategies. Specifically for core needs such as seeds, fertilizers, agricultural machinery, and fuel, a green channel was opened throughout the process, implementing a "priority investigation, priority approval, priority disbursement" approach. So far, the bank has invested a total of 11.851 billion yuan in spring plowing loans, an increase of 1.269 billion yuan compared to the previous year, creating a solid foundation for spring farming production. While increasing the supply of funds, HARBIN BANK continues to benefit farmers, with a focus on rice, corn, and soybeans as the main crops, specifically targeting new agricultural business entities, actively connecting with the production needs of "basket of vegetables" products, and strongly supporting the development of Heilongjiang's characteristic industries such as edible fungi, Chinese herbal medicines, and understory crops, achieving dual support for grain production and specialty agriculture. Additionally, a variety of whole industry chain loan products such as "online agricultural flash loans," "black soil premium loans," and "grain expected income rights pledge loans" have been enriched, continuously deepening the service model of "smart agricultural loans at your fingertips," leveraging digital advantages so that farmers can apply for loans without leaving their homes, bridging the financial services "last mile." As the saying goes, "spring sows one grain of millet, autumn harvests ten thousand grains." In the future, HARBIN BANK will continue to focus on the financial needs of spring plowing, optimize the allocation of credit resources, enhance the accuracy and effectiveness of financial services, and contribute more local financial strength to the modernization of agriculture and comprehensive revitalization of the rural areas in Heilongjiang Province.