Finance Revitalizes the Longjiang River, and Precision Empowerment Promotes Consumption -- Harbin Bank helps Longjiang consumption to improve quality and upgrade with practical measures.

Consumption is the main engine of economic growth, and finance is the key support for activating consumption. As the largest financial institution in terms of assets in Heilongjiang province, HARBIN BANK firmly implements the national decision to boost consumption and expand domestic demand, adheres to its local positioning, deeply cultivates the land of Heilongjiang, and accurately meets the diverse consumption needs of urban and rural residents. The bank continues to make efforts in product innovation, expanding scenarios, and improving services, aiming to promote steady growth and expansion of the province's consumption market through high-quality and efficient financial services. Innovative financial products precisely match diverse consumer needs In response to the trend of consumer upgrading, HARBIN BANK continuously improves its multi-level and wide-ranging consumer financial services system to enhance the adaptability between financial supply and consumer demand. For families who own houses, the bank has introduced the "house pledge consumption loan," which relies on an intelligent evaluation system to quickly assess the value of the property. The maximum credit limit can reach up to 85% of the property value, along with measures such as waiving appraisal fees and flexible repayment to effectively activate residents' assets and unlock potential consumption capabilities. For salaried individuals, the bank has created the purely online digital credit product "Orange e-loan," which allows for one-time credit approval and reuse, with a maximum limit of 800,000 RMB. By utilizing big data risk control models, same-day application and approval, the service efficiency has been significantly improved. In June 2025, HARBIN BANK launched the retail credit digital transformation product "Money to Home," using cloud computing, artificial intelligence, big data, and other cutting-edge technologies to shift credit services from "experience-driven" to "data-driven." This product enables customers to complete the entire loan application, approval, and withdrawal process through WeChat Mini Program, providing a convenient experience of "scanning in a second, applying in a minute, approval in a minute, and one-click withdrawal." Leveraging multi-dimensional data modeling, the product breaks through traditional credit verification methods, providing precise profiles and dynamic credit evaluation. The consumer credit can go up to 800,000 RMB, covering major consumer needs such as renovations, purchasing a car, and travel; the business credit can reach up to 1 million RMB, offering precise support for the turnover and growth of small and micro enterprises and individual businesses. As of now, "Money to Home" has provided credit of over 10 billion RMB, disbursed 2.7 billion RMB, and served over 120,000 customers, showcasing the bank's efficient and convenient financial services as a "local bank" with a sense of responsibility and warmth. Deepening scenario ecology to create a "financial + life" service loop HARBIN BANK utilizes credit cards as a significant vehicle to create a fusion of "financial + life" services ecosystem, continuously stimulating consumer potential through embedded scenarios, merchant collaborations, and activity empowerment. With signature products like Orange Card, Marathon-themed card, Infinite Card, and Lilac Benefits installment, the bank builds a wide-reaching activity system for various customer groups, partnering with quality merchants and scenes such as China Petroleum, large supermarkets, public transportation, etc., to offer discounts and promotions that effectively boost steady consumption growth. Furthermore, by expanding scenario cooperation and collaborating with nearly 400 automobile dealers, home improvement companies, property developers, etc., the bank provides full-range financial support for major consumer expenses like car purchases and home renovations, completing the "last mile" of consumption services. Strengthening collaborative synergies to unleash the consumption multiplier effect HARBIN BANK closely follows the government's consumption promotion policies, actively cooperating in the distribution of consumption vouchers in key livelihood scenes such as retail, dining, culture, and tourism, simultaneously providing consumption credit support to allow the public to enjoy the "financial subsidy + financial service" double benefits, effectively reducing the cost of consumption. Focusing on Heilongjiang's ice and snow economy, summer economy, and other unique consumption highlights, the bank increases resource input, conducts themed consumer events, transforms unique resource advantages into consumption growth momentum, catalyzing the transformation of "cold resources" into "hot economy," and activating regional consumption market vitality with financial power. Looking ahead, HARBIN BANK will continue to adhere to its role as a local financial mainstay, focusing on Heilongjiang province, serving livelihoods with more precise, warmer, and pragmatic financial measures, continuously deepening product innovation, expanding consumption scenarios, enhancing service quality and efficiency, making new and greater contributions to the continuous healthy development of Heilongjiang province's consumption market and serving the high-quality development of the local economy.