监管 01 央行：强化消费领域金融支持 2月4日，中国人民银行发布消息，2026年1月30日，中国人民银行召开2026年信贷市场工作会议。 03 上海华瑞银行董事长任职资格获核准 日前，上海华瑞银行公告称，该行近日收到批复，国家金融监督管理总局上海监管局吴克照该行董事长的任职资 格。 04 凉山农商银行被罚120万元 会议提到，进一步完善金融"五篇大文章"各项机制，落实好结构性货币政策工具增量政策，加强与财政政策协 同，大力发展科技金融、绿色金融、普惠金融、养老金融、数字金融，强化消费领域金融支持。 02 银行不良资产转让出现新模式 日前，哈尔滨银行发布公告，对去年12月披露的一份债权转让协议进行说明。在这次债权转让过程中，部分约定 转让价款设置了收款条件，需依赖哈尔滨银行对标的债权的后续清收结果进行兑现。 业内人士认为，中小银行批量处置不良资产，或出于改善资产结构和提升资产质量的考虑。而附条件债权转让模 式，未来或许会被不良资产处置行业更多采用。（中国证券报） 据了解，付费通成立于2003年，并在2011年5月获得人民银行颁发的《支付业务许可证》，与支付宝、财付通都是 首批获得支付牌照的机构。 付费通主要股 ...

日前，哈尔滨银行发布公告，对去年12月披露的一份债权转让协议进行说明。在这次债权转让过程中， 部分约定转让价款设置了收款条件，需依赖哈尔滨银行对标的债权的后续清收结果进行兑现。业内人士 认为，中小银行批量处置不良资产，或出于改善资产结构和提升资产质量的考虑。而附条件债权转让模 式，未来或许会被不良资产处置行业更多采用。（中证报） ...

● 本报记者 李蕴奇 日前，哈尔滨银行发布公告，对去年12月披露的一份债权转让协议进行说明。在这次债权转让过程中， 部分约定转让价款设置了收款条件，需依赖哈尔滨银行对标的债权的后续清收结果进行兑现。业内人士 认为，中小银行批量处置不良资产，或出于改善资产结构和提升资产质量的考虑。而附条件债权转让模 式，未来或许会被不良资产处置行业更多采用。 债权转让收款有条件 去年12月29日，哈尔滨银行发布公告，披露了当日该行与中国信达资产天津市分公司签订的债权转让协 议。根据协议，该行将账面余额为5.74亿元的标的债权及其附属权益转让给中国信达资产天津市分公 司，约定转让价款3.42亿元。另外，中国信达资产天津市分公司委托哈尔滨银行对标的债权进行清收。 值得注意的是，3.42亿元的约定转让价款并非全部无条件支付。据哈尔滨银行公告，3.42亿元的约定转 让价款分成两部分：一部分是初始转让价款2.337亿元，另一部分是约定转让价款与初始转让价款之间 的差额1.083亿元，该行能否得到差额价款，取决于标的债权清收情况。 2026年1月30日，哈尔滨银行发布了这一标的债权转让协议的补充公告。公告内容显示，当日，中国信 达资产天津 ...

中国经济网北京2月4日讯 哈尔滨银行(06138)于1月30日发布有关标的债权的转让公告的补充公告。 哈尔滨银行于2025年12月29日刊发有关债权转让协议之公告，据此，公司同意将标的债权转让予中 国信达资产管理股份有限公司天津市分公司。 哈尔滨银行公告称，为协助股东及公司投资者更深入理解标的债权的转让，公司兹就标的债权的转 让之代价支付提供以下进一步资料： 于公告日期，买方已支付首付价款约人民币102.6百万元；如该公告所述，(i)受让标的债权的约定 转让价款为约人民币342.0百万元；及(ii)初始转让价款为约人民币233.7百万元，其中包括首付价款等； 根据债权转让协议，买方应于付款期限内（即自债权转让协议生效之日起36个月内，经双方同意可延 长），支付扣除首付价款后的初始转让价款余额，该金额约为人民币131.1百万元；视乎标的债权的清 收状况，买方亦须于付款期限内支付约定转让价款与初始转让价款之差额，该差额约为人民币108.3百 万元。 具体而言，若于付款期限内，从标的债权回收的金额超过初始转让价款，公司将有权收取超额部分 的85%，余下15%归买方所有。此85:15的分摊安排将持续适用，直至公司悉数 ...

致：香港交易及結算所有限公司 公司名稱: 哈爾濱銀行股份有限公司 呈交日期: 2026年2月3日 I. 法定/註冊股本變動 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年1月31日 狀態: 新提交 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06138 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 3,023,570,000 | RMB | | 1 | RMB | | 3,023,570,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 3,023,570,000 | RMB | | | 1 RMB | | 3,023,570,000 | | 2. 股份 ...

為協助股東及 本公司 投資者更深入理解標的債權 的 轉 讓，本 公 司 茲 就 標的債權 的 轉 讓 之 代 價 支 付 提 供 以 下 進 一 步 資 料： 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內 容 概 不 負 責，對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明，並 明 確 表 示，概 不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的 任 何 損 失 承 擔 任 何 責 任。 哈 爾 濱 銀 行 股 份 有 限 公 司 * Harbin Bank Co., Ltd. * （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （股份代號：6138） 有關標的債權 的 轉讓公告的補充公告 茲提述哈爾濱銀行股份有限公司*（「本公司」）於2025年12月29日刊發有 關 債 權 轉 讓 協 議 之 公 告（「該公告」），據 此，本 公 司 同 意 將 標 的 債 權 轉 讓 予 中 國 信 達 資 產 管 理 股 份 有 限 公 司 天 津 市 分 公 司。除 非 另 有 界 定，否 則 本 補 充 公 告 所 用 詞 彙 分 別 ...

Core Insights - Harbin Bank is set to launch the "Qian Dao Jia" digital credit product in 2025, integrating advanced technologies such as cloud computing, AI, and big data to enhance retail financial services [1][2] - The product aims to address funding challenges for both enterprises and individuals, offering a streamlined application process that allows for quick approval and disbursement of funds [1] Group 1: Product Features - "Qian Dao Jia" offers an exceptional service experience with features like one-second QR code scanning, one-minute application, one-minute approval, and one-click withdrawal [1] - The product significantly lowers traditional credit barriers, extending services to a broader audience [1] Group 2: Impact on Customers - The service has already proven beneficial for small business owners, exemplified by a case where a renovation company owner secured 160,000 yuan in under three minutes to alleviate cash flow pressures [1] - The product utilizes a big data risk control model covering over 4,000 dimensions, enhancing financial service efficiency and enabling precise access to financial resources [1] Group 3: Performance Metrics - Since its official launch in June 2025, "Qian Dao Jia" has achieved a cumulative credit scale exceeding 8.5 billion yuan, with a service balance surpassing 1.3 billion yuan [2] - The service has demonstrated strong effectiveness in supporting small and micro enterprises and facilitating the circulation of the real economy [2]

Core Viewpoint - The government work report of Harbin City emphasizes the commitment to high-quality revitalization and development by 2025, focusing on industrial upgrades, improved public welfare, and enhanced urban vitality [7]. Group 1: Economic Development - The construction of "three bases, one barrier, and one highland" has made significant progress, with grain production reaching 25.775 billion jin, an increase of 753 million jin [9]. - The added value of large-scale equipment manufacturing increased by 19.6%, and the installed capacity of renewable energy reached 5.338 million kilowatts, accounting for 52.9% of the total installed capacity [9]. - Actual foreign investment grew by 18.1%, and total import and export volume increased by 4.1% [9]. Group 2: Policy Implementation - Major policies such as "two heavies" and "two new" have shown effectiveness, with 581 major construction projects and 56 equipment upgrade projects supported [9]. - Consumer incentives included 3.76 billion yuan in subsidies for replacing old consumer goods and 190 million yuan in consumer vouchers, stimulating consumption by 38.89 billion yuan [9]. - Industrial technology investment increased by 36.3%, and high-tech manufacturing investment grew by 10.8% [9]. Group 3: Tourism and Culture - Harbin successfully hosted events like the Harbin Summer Music Festival and the International Ice and Snow Festival, attracting 200 million tourists and generating a total tourism expenditure of 281.84 billion yuan, representing growth of 12.7% and 21.8% respectively [10]. - The city was awarded the title of "World Ice and Snow Tourism Excellence City" by the United Nations World Tourism Organization [10]. Group 4: Innovation and Industry Upgrade - The acceleration of industrial upgrades is evident with 733 projects underway and an investment of 50.1 billion yuan, with significant growth in aerospace, computer, and automotive engine manufacturing [11]. - The number of technology-based enterprises reached 182, with a loan balance growth of 18.7% [11]. - The employment rate of graduates from local universities is 18.3%, with 38.1% for doctoral graduates [11]. Group 5: Urban Development - High-quality urban construction is progressing, with the completion of major infrastructure projects like the expansion of Taiping International Airport [13]. - The city has implemented 32 road and bridge projects and constructed 26,600 new parking spaces [13]. - Historical and cultural preservation efforts include the restoration of 33 heritage sites and the enhancement of urban green spaces [13]. Group 6: Social Welfare - Urban employment increased by 98,900, with 2,000 affordable housing units under construction [15]. - Public services improved with the addition of 38 vocational education programs and 38,300 new quality school places [15]. - Safety and stability in the social environment were maintained, with a decrease in debt rates and criminal cases [15].

| 序 특 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | | 誠仙受世史 | | 对保亭融兴村镇 | | | | 兴村镇银行 | 贷款相关业务不尽职、 | 银行罚款95万 | 国家会融监督 | | 2 | 有限责任公 | 员工行为管理不到位 | 元,对王帅警告 | 管理总局海南 | | | 司及相关责 | | 并罚款5万元, | 监管局 | | | 任人员 | | 对张留平警告。 | | 哈尔滨银行2025年中期报告显示，哈尔滨银行持有海南保亭融兴村镇银行有限责任公司股份比例为 96.67%。 以下为原文： 中国经济网北京1月16日讯国家金融监督管理总局网站昨日公布的海南监管局行政处罚信息公开表显 示，海南保亭融兴村镇银行有限责任公司及相关责任人员贷款相关业务不尽职、员工行为管理不到位。 国家金融监督管理总局海南监管局对保亭融兴村镇银行罚款95万元，对王帅警告并罚款5万元，对张留 平警告。 ...

Group 1 - The 2026 Harbin International Ice and Snow Economic Expo aims to create a high-end communication and cooperation platform in the global ice and snow sector, focusing on themes of new momentum, new connections, and new ecology [1] - Key projects signed during the expo include collaborations in ice and snow equipment manufacturing, cultural tourism development, financial support, and cross-border cooperation, highlighting the deep integration of the ice and snow economy [1][4] - The expo showcased significant advancements in ice and snow equipment, including a specialized snow-clearing equipment procurement project and a collaboration to address technical challenges in low-temperature environments [1][2] Group 2 - Financial institutions are actively supporting the ice and snow economy, with Harbin Bank providing a 1 billion yuan special credit line for upgrades at Harbin Ice and Snow World, and partnerships with other banks to enhance tourism projects [2] - The integration of ice and snow cultural tourism with financial services is creating new consumer scenarios, such as themed restaurants and recreational facilities, enhancing the overall experience [2][3] - Cross-border cooperation is emphasized, with strategic partnerships established between Russian and Chinese entities to facilitate business exchanges and collaborative projects in the ice and snow sector [3] Group 3 - The expo's outcomes are expected to have significant short-term and long-term impacts, activating the ice and snow industry chain and addressing challenges like seasonal dependency and technological bottlenecks [4] - The establishment of the Harbin Ice and Snow Economic Research Center aims to provide intellectual support and financial guarantees for the long-term development of the industry [3][4] - The expo serves as a vital platform for international collaboration, allowing Harbin's ice and snow industry to share experiences and best practices globally, thus enhancing its competitive edge [4][5]