村镇银行，即按村划分设银行，是我国金融体系的重要一员，然而在21世纪头二十多年，就差不多完成了自己的使命。 笔者梳理发现，一直以来，村镇银行以服务下沉客户为主，然而现在一个确定的事情是：众多村镇银行在当下政策与快速变化市场环境的变化中快速"消 失"。 国家金融监督管理总局官网的公开数据显示，2024年年初至年末，共有超75家村镇银行被合并吸收、超55家村镇银行被收购。 较近的一次合并是，国家金融监督管理总局对天津监管局的正式批复文件，批准了天津银行对蓟州村镇银行的合并。这意味着，有着十数年历史的蓟州村镇 银行正式结束了自己的使命，并停止一切经营活动。 回顾天津市蓟州村镇银行股份有限公司的历史，其于2008年08月14日成立，为天津市首家村镇银行，注册资本金3亿元，由天津银行作为主发起行设立。有 法人股东16家，自然人股东4个，国有企业股权占比63.06%，法定代表人董晓东。 其实，不仅仅是蓟州村镇银行，全国范围内的村镇银行都在不断地消失。 根据国家金融监管总局披露的银行业金融机构法人名单，截至2023年底，村镇银行数量超过1600家，占全部银行业金融机构的比重超过三分之一。 不过，这一两年，有一个很大的转变趋 ...

Group 1 - The project involves the electronic function of fiscal accounts for Harbin Bank's treasury system, awarded to Beijing Zhongke Jiangnan Information Technology Co., Ltd. [1] - The procurement method used is single-source procurement due to the project's compliance with regulations that allow for purchasing only from a unique supplier [1] - The public announcement period for this procurement is from July 18, 2025, to July 22, 2025 [2] Group 2 - Potential suppliers can raise objections to the single-source procurement method within the public announcement period, with specific requirements for submission [2] - Contact information for Harbin Bank and the procurement agency is provided for any inquiries related to the project [3]

Core Viewpoint - Harbin Bank is committed to enhancing financial services for key demographics, focusing on the elderly, children, and new citizens, thereby improving their overall happiness and well-being [1][3][5] Group 1: Services for the Elderly - Harbin Bank is implementing a senior-friendly financial system in response to national strategies addressing population aging, offering products that align with the risk preferences of elderly clients [3] - The bank is enhancing customer experience by optimizing branch environments for seniors and providing specialized mobile banking options, aiming to bridge the digital divide [3] - Initiatives include creating community interaction through financial education and health programs, establishing a supportive service network within a 1-kilometer radius of bank branches [3] Group 2: Services for Children - The bank has launched a unique program called "Little Financial Experts, Wealth Creation for the Future," focusing on financial literacy for children through engaging activities and practical experiences [4] - The program includes various courses designed to instill good financial habits and responsibility in children, making learning enjoyable and effective [4] Group 3: Services for New Citizens - Harbin Bank is addressing the diverse financial needs of new citizens, who are becoming key players in urban development, by providing comprehensive financial services [4] - The bank has been serving social security clients for 17 years, assisting over 8.7 million individuals, and continuously upgrading its social welfare service system [4] - By leveraging both online and offline channels, the bank aims to enhance the quality of life for citizens, ensuring long-term wealth preservation and growth [4][5] Group 4: Future Directions - Harbin Bank plans to continue innovating its financial services, focusing on areas such as pension finance, wealth management, and social welfare, to support the real economy and contribute to high-quality economic development [5]

Group 1 - The People's Bank of China and local financial authorities guided Harbin Bank to successfully launch the first "carbon emission + carbon credit" linked loan in Harbin, providing a credit of 100 million yuan to Harbin Thermal Power Co., Ltd. [1] - This project aligns with various policies aimed at promoting green finance and sustainable development in the region, contributing to ecological priority and green development in Heilongjiang [1][2] - Harbin Thermal Power Co., Ltd. has consistently exceeded national standards for nitrogen oxides and sulfur dioxide emissions by over 30%, and has been recognized as a national high-tech enterprise in 2023 [2] Group 2 - Harbin Bank's Harbin branch has designed loan interest rate linkage indicators based on the company's carbon emissions and credit, providing interest rate discounts to incentivize green low-carbon development [2] - The bank has been actively implementing the central government's decisions on carbon peak and carbon neutrality, focusing on key areas such as heating supply, manufacturing transformation, and new energy [2] - Harbin Bank aims to expand its green finance service scale and enhance service levels to support the sustainable development of "Beautiful Heilongjiang" [2]

为深入贯彻国家"绿水青山就是金山银山"的生态文明建设理念以及"碳达峰、碳中和"战略部署，推动生态修复与绿色低碳协同发展，在人民银行双鸭山分行 及相关部门的指导下，哈尔滨银行双鸭山分行聚焦废弃矿山综合治理领域，创新金融服务模式，于4月初成功向"黑龙江省三江平原（双鸭山片区）历史遗留 废弃矿山生态修复示范工程（市本级）项目"授信固定资产贷款12400万元，并于近日完成首笔投放1005万元，成为黑龙江省内首个由商业银行落地的"废弃 矿山生态修复工程"项目贷款。 该项目位于国家"三区四带"重要生态系统保护和修复重大工程总体布局中的"东北森林带"，是国家生态安全战略格局的重要组成部分，也是我国重要的农产 品提供区、湿地生态功能区。哈尔滨银行双鸭山分行为该项目设计了"修复-产业-反哺"闭环的EOD授信模式（生态环境导向的开发模式），兼顾"生态修 复"与"经济性"。项目实施后，预期恢复旱地面积98.85hm2、林地面积185.3hm2、草地面积94.23hm2、转型利用土地面积75.21hm2，将有效助力相关区域恢 复受损土地，促进生态系统整体改善，以"金融之力"修复"生态伤痕"，筑牢黑龙江省生态安全屏障。 哈尔滨银行作为 ...

Regulatory Actions - The People's Bank of China (PBOC) imposed a fine of 200,000 yuan on Yingcheng Rongxing Village Bank for failing to fulfill customer identity verification obligations [1] - Li, the former Deputy General Manager of the Risk Compliance Department at Yingcheng Rongxing Village Bank, was fined 11,000 yuan for the same violation [1] - The PBOC issued a warning and a fine of 10,000 yuan to Wainin Huishi Village Bank for multiple violations, including overdue use of temporary deposit accounts and failure to establish emergency plans for cybersecurity incidents [1][6] Ownership Structure - Harbin Bank holds a 100% stake in Yingcheng Rongxing Village Bank [2] - Harbin Bank also owns 100% of Wainin Huishi Village Bank [2]

Group 1 - The core viewpoint is that Harbin Bank has been experiencing a decline in executive compensation due to performance pressures, with significant reductions in salaries for board members and employees over the past three years [1][2] - Harbin Bank's chairman, Deng Xinquan, saw his pre-tax salary drop to 1.66 million yuan in 2024, a decrease of 143,000 yuan from the previous year, following a peak of 2.99 million yuan in 2022 [1] - The total pre-tax compensation for board members and supervisors at Harbin Bank decreased by 1.46 million yuan, 1.987 million yuan, and 1.226 million yuan over the last three years [1] Group 2 - In 2024, Harbin Bank's total employee expenses amounted to 2.578 billion yuan, with an average salary of 290,900 yuan, reflecting a year-on-year decrease of 82,100 yuan [1] - The bank also engaged in "reverse salary collection," reclaiming 2.09 million yuan in performance bonuses from 116 employees [2] - Despite Harbin Bank's revenue growth of 7.56% year-on-year to 14.243 billion yuan and a net profit increase of 21.88% to 1.082 billion yuan in 2024, other banks like Baixin Bank reported a rise in average employee compensation to 716,900 yuan, even as their net profit declined by 23.74% [2]

Core Insights - Harbin Bank and Chengdu New Hope Financial Information Co., Ltd. signed a strategic cooperation agreement to enhance digital growth, intelligent risk control, and digital customer operations, accelerating the integration of traditional finance and modern technology [2][3] - The newly launched digital product "Qian Dao Jia" includes consumer loans and business loans, utilizing big data and artificial intelligence for real-time risk control and automated approval, transforming the credit decision-making process from experience-driven to data-driven [2][3] - "Qian Dao Jia" offers personalized product recommendations and dynamic credit adjustments based on customer profiles, shifting financial services from standardized offerings to customized experiences [2][3] Digital Transformation Initiatives - Harbin Bank has initiated the "Digital Ha Xing" project, implementing ten foundational projects to reconstruct its management and financial service system, focusing on innovation, collaboration, and agility [3] - The "Qian Dao Jia" consumer loan product integrates into residents' daily life scenarios, allowing loan applications via WeChat mini-program, with approval and disbursement completed in as little as one minute, offering loans up to 800,000 yuan [3] - The business loan product targets the financing needs of small and micro enterprises, providing up to 1 million yuan in unsecured loans, aligning with government measures to support small business financing [3] Future Directions - New Hope Group's CEO emphasized the commitment to delivering and innovating the "Qian Dao Jia" project, aiming for enhanced business efficiency, service innovation, and user experience [4] - Harbin Bank plans to leverage the "Qian Dao Jia" brand to advance digital capabilities and service ecosystem upgrades, focusing on collaborations with established brands and core enterprises in sectors like ice and snow economy and green economy [4] - The bank aims to strengthen its digital risk control system by integrating various governmental data sources to lower loan application barriers for small micro clients, enhancing loan accessibility for high-tech talents and new citizens [5]

Core Viewpoint - Harbin Bank and Zhongqi Yunlian Co., Ltd. have signed a comprehensive strategic cooperation agreement to enhance supply chain finance through a digital platform, aiming to create an ecosystem that bridges the gap between core enterprises and financial institutions, thereby supporting the high-quality development of the real economy [2][3]. Group 1 - The strategic cooperation will leverage a digital supply chain finance platform to establish an ecosystem involving core enterprises, financial institutions, and suppliers, facilitating online business processes and information sharing [2]. - The partnership aims to alleviate financial pressure on core enterprises by optimizing accounts receivable management and injecting financial momentum into the real economy [2]. - Both parties will focus on key regions such as Liaoning, Southwest, and Beijing-Tianjin, utilizing financial technology to innovate supply chain finance products and services [2]. Group 2 - Zhongqi Yunlian's chairman emphasized the integration of finance, technology, and industry to explore innovative models that enhance efficiency and reduce costs for real enterprises [3]. - Harbin Bank has positioned supply chain finance as a crucial tool for serving the real economy and promoting high-quality inclusive finance, transitioning from single product sales to diversified, integrated financial services [3]. - The bank aims to create a new financial service model that seamlessly integrates products and services into the supply chain, enhancing the overall service efficiency [3].

Core Viewpoint - Jiangsu Bank has received approval from the Ningbo Financial Regulatory Bureau to open a branch in Ningbo, marking a significant step in the bank's expansion strategy through the acquisition of a local village bank [1][2]. Group 1: Acquisition and Expansion Strategy - Jiangsu Bank approved the acquisition of Ningbo Jiangbei Fumin Village Bank to establish its branch, which had been kept confidential due to regulatory uncertainties [2]. - The establishment of branches in provinces outside their home base is now being facilitated through the acquisition of village banks, indicating a shift in regulatory stance [3][4]. - The newly formed branch will inherit the assets, liabilities, and operations of the acquired village bank, which had total assets of over 200 million yuan and reported a net loss of 688,000 yuan as of November last year [4]. Group 2: Regulatory Context - Historically, city commercial banks faced strict regulations on cross-regional expansion, with significant restrictions imposed since 2011 [5]. - Recent approvals for cross-regional acquisitions, such as those by Jiangsu Bank and Harbin Bank, suggest a potential easing of these restrictions, although industry insiders believe this will not become a standard practice [6][7]. - The ongoing reforms in small and medium-sized banks, including the restructuring of village banks, have led to a notable increase in approvals for acquisitions and dissolutions, with 26 approvals granted in the current year alone [6].