Core Viewpoint - The approval of Harbin Bank's acquisition of Wulong Rongxing Village Bank marks a significant step in the consolidation of rural banking in Chongqing, transitioning from multiple independent entities to a unified operational structure under Harbin Bank [1][5][6]. Group 1: Acquisition Details - The National Financial Supervision Administration has approved Harbin Bank's acquisition of Wulong Rongxing, allowing the establishment of six new branches in Chongqing [1]. - All assets, liabilities, business operations, and employees of Wulong Rongxing will be fully assumed by Harbin Bank, leading to the dissolution of the original legal entity [1]. Group 2: Historical Context - Wulong Rongxing was established on June 1, 2011, with a registered capital of 50 million yuan, and has been a key player in providing inclusive financial services in the Wulong District [5]. - This acquisition signifies the end of the independent legal status of the last remaining "Rongxing" village bank initiated by Harbin Bank in Chongqing, completing the transition to a unified banking structure [5][6]. Group 3: Regulatory and Industry Implications - The integration reflects the implementation of financial regulatory policies aimed at reforming rural banks, as outlined in the "124 Document," which encourages mergers and unified management [6]. - Harbin Bank's approach in Chongqing serves as a model for the industry, demonstrating effective execution of reforms and the transition to integrated operations [6]. - Future focus will be on the newly established branches, particularly in terms of service direction, operational synergy with Harbin Bank, and enhancing regional financial service competitiveness [6].

北京商报讯(记者孟凡霞周义力)12月10日，国家金融监督管理总局涪陵监管分局发布《关于同意哈尔滨 银行股份有限公司收购重庆市武隆融兴村镇银行有限责任公司设立分支机构的批复》，同意哈尔滨银行 收购重庆市武隆融兴村镇银行并设立哈尔滨银行重庆武隆支行、哈尔滨银行重庆龙城支行、哈尔滨银行 重庆凤山支行、哈尔滨银行重庆白马支行、哈尔滨银行重庆火炉支行、哈尔滨银行重庆江口支行，并承 接重庆市武隆融兴村镇银行清产核资后的资产、负债、业务和员工。 ...

Core Viewpoint - The recent approval by the Chongqing Financial Regulatory Bureau for Harbin Bank to acquire two rural banks in Chongqing marks a significant step in the bank's expansion strategy in the southwest region, reflecting a broader trend of regional banks pursuing cross-province acquisitions to establish branches [1][5][6]. Group 1: Cross-Province Acquisitions - Harbin Bank's acquisition of Chongqing's Shapingba and Dadukou rural banks follows its earlier acquisition of Youyang Rural Bank, enhancing its presence in the region [6][31]. - This acquisition strategy is not unique to Harbin Bank; Jiangsu Bank has also successfully established a branch in Ningbo through a similar acquisition [7][32]. - The model of acquiring rural banks to establish branches has become a common approach for city commercial banks, allowing them to inherit the assets, liabilities, and customer base of the acquired banks [8][33]. Group 2: Policy Background - The regulatory environment for city commercial banks has shifted from leniency to tightening over the past decade, with significant restrictions on cross-regional operations [9][34]. - Historical regulations have limited city commercial banks from expanding beyond their local jurisdictions, with exceptions made for resolving high-risk institutions [9][34]. Group 3: Reform Wave - The ability of city commercial banks to establish branches across provinces is part of a broader reform aimed at accelerating the resolution of risks in small and medium-sized banks [10][35]. - As of mid-2025, 100 rural banks have undergone mergers or restructuring, indicating a significant increase in consolidation efforts compared to previous years [10][35]. Group 4: Regulatory Logic - Despite speculation about a loosening of cross-regional restrictions, industry professionals believe that such acquisitions will not become a standard practice and will continue to follow a case-by-case approval process [11][36]. - Regulatory bodies are expected to maintain strict oversight, ensuring that only proposals that effectively address risk and promote stable operations are approved [12][38]. Group 5: Bank Considerations - Acquiring existing rural banks allows city commercial banks to save capital and quickly gain access to established customer bases and operational networks [14][39]. - Harbin Bank reported a revenue of 7.386 billion yuan in the first half of 2025, with a net profit of 915 million yuan, highlighting the financial pressures that make acquisitions an attractive growth strategy [17][42]. Group 6: Future Trends - The trend of reducing the number of small and medium-sized banks while improving their quality is expected to continue, with a peak in mergers and restructurings anticipated in 2025 [18][45]. - The disappearance of rural banks reflects a strategic shift in the banking sector towards consolidation and enhanced risk management capabilities [20][47]. - Future acquisitions may occur, but this does not imply a complete lifting of restrictions on cross-regional operations for city commercial banks [23][49].

责任编辑：曹睿潼 责任编辑：曹睿潼 12月9日金融一线消息，重庆金融监管局今日发布两则批复，同意哈尔滨银行收购重庆市沙坪坝融兴村 镇银行有限责任公司并设立哈尔滨银行股份有限公司重庆凤天路支行、哈尔滨银行股份有限公司重庆回 龙坝支行、哈尔滨银行股份有限公司重庆大学城支行，承接重庆市沙坪坝融兴村镇银行有限责任公司清 产核资后的资产、负债、业务和员工。 同意哈尔滨银行收购重庆市大渡口融兴村镇银行有限责任公司并设立哈尔滨银行股份有限公司重庆大渡 口支行、哈尔滨银行股份有限公司重庆钢花路支行、哈尔滨银行股份有限公司重庆建胜支行，承接重庆 市大渡口融兴村镇银行有限责任公司清产核资后的资产、负债、业务和员工。 12月9日金融一线消息，重庆金融监管局今日发布两则批复，同意哈尔滨银行收购重庆市沙坪坝融兴村 镇银行有限责任公司并设立哈尔滨银行股份有限公司重庆凤天路支行、哈尔滨银行股份有限公司重庆回 龙坝支行、哈尔滨银行股份有限公司重庆大学城支行，承接重庆市沙坪坝融兴村镇银行有限责任公司清 产核资后的资产、负债、业务和员工。 同意哈尔滨银行收购重庆市大渡口融兴村镇银行有限责任公司并设立哈尔滨银行股份有限公司重庆大渡 口支行、哈尔滨 ...

据重庆金融监管局12月9日发布的另一则《关于哈尔滨银行股份有限公司收购重庆市大渡口融兴村镇银 行有限责任公司并设立分支机构的批复》，同意哈尔滨银行股份有限公司收购重庆市大渡口融兴村镇银 行有限责任公司并设立哈尔滨银行股份有限公司重庆大渡口支行、哈尔滨银行股份有限公司重庆钢花路 支行、哈尔滨银行股份有限公司重庆建胜支行，承接重庆市大渡口融兴村镇银行有限责任公司清产核资 后的资产、负债、业务和员工。 北京商报讯（记者 宋亦桐）12月9日，重庆金融监管局发布《关于哈尔滨银行股份有限公司收购重庆市 沙坪坝融兴村镇银行有限责任公司并设立分支机构的批复》，同意哈尔滨银行股份有限公司收购重庆市 沙坪坝融兴村镇银行有限责任公司并设立哈尔滨银行股份有限公司重庆凤天路支行、哈尔滨银行股份有 限公司重庆回龙坝支行、哈尔滨银行股份有限公司重庆大学城支行，承接重庆市沙坪坝融兴村镇银行有 限责任公司清产核资后的资产、负债、业务和员工。 ...

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: 2025年11月30日 狀態: 新提交 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: 2025年12月3日 I. 法定/註冊股本變動 | 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. ...

Core Insights - Harbin Bank is actively integrating into local strategies through three main initiatives: empowering industrial upgrades, deepening rural revitalization, and extending inclusive finance, injecting financial momentum into the comprehensive revitalization of Heilongjiang Province [1][2] Group 1: Financial Performance and Services - As of now, Harbin Bank's green loan balance is nearly 20 billion, agricultural loan balance is 26.59 billion, and inclusive loans for small and micro enterprises exceed 41.1 billion, showcasing effective financial service metrics [1] - The bank has launched "Agricultural Property Rights Financing Loans" and "Black Soil Quality Products Loans," with the latter contributing over 170 million to agricultural brand development [2] - The average pricing for loans through the digital product "Money to Home" has decreased by 0.5 percentage points, with a growth rate of 11.69% [2] Group 2: Strategic Focus and Future Plans - Harbin Bank aims to deepen reform and transformation, focusing on technology finance, green finance, and inclusive finance, to optimize the precision of financial supply [4] - The bank's strategy aligns with Heilongjiang's "Three Bases, One Barrier, One High Ground" positioning and the "4567" modern industrial system construction needs [1] - The bank is committed to supporting the real economy, particularly in high value-added industrial chains and innovative enterprises, with a focus on long-term loan supply [1]

Core Points - The People's Bank of China (PBOC) has issued a warning and fined Lepin Rongxing Village Bank Co., Ltd. 73,100 RMB for violations related to credit information management and counterfeit currency regulations [1][2] - Lepin Rongxing Village Bank is a wholly-owned subsidiary of Harbin Bank [1] Summary by Category Regulatory Actions - The PBOC's administrative penalty includes a warning and a fine of 73,100 RMB for the bank's violations [1][2] - The violations pertain to the management of credit information collection, provision, and inquiry, as well as regulations concerning counterfeit currency [1][2] Company Information - Lepin Rongxing Village Bank is fully owned by Harbin Bank, which indicates a direct link between the two entities [1]

Core Viewpoint - The article emphasizes the strategic initiatives of Harbin Bank in alignment with the "14th Five-Year Plan" of Heilongjiang Province, focusing on supporting the real economy, rural revitalization, and green finance to foster high-quality development. Group 1: Economic Development and Industry Support - Harbin Bank prioritizes serving the real economy, increasing credit support for key sectors as outlined in the provincial plan, particularly in manufacturing upgrades [1] - The bank aims to enhance the supply of medium to long-term loans to high-value enterprises in the manufacturing sector, facilitating structural optimization [1] Group 2: Innovation in Technology Financing - The bank addresses the financing challenges faced by tech enterprises by innovating financial products and mechanisms, including the launch of the "New Quality Loan" [2] - As of now, the "New Quality Loan" has a disbursement amount of 115 million yuan, utilizing a scoring card system to evaluate innovation capabilities [2] Group 3: Green Finance Initiatives - Harbin Bank integrates green principles into its operations, establishing a comprehensive green finance service system and promoting sustainable development-linked loans [3] - The bank's green loan balance is nearly 20 billion yuan, contributing to a carbon reduction of 69,000 tons annually in Heilongjiang Province [3] Group 4: Rural Revitalization Efforts - The bank plays a crucial role in rural revitalization, offering a range of financial products tailored to agricultural needs, with a total agricultural loan balance of 26.59 billion yuan [4] - Innovative products like the "Agricultural Property Financing Loan" and "Black Soil Quality Products Loan" have been introduced to support agricultural development [4] Group 5: Inclusive Finance and Social Welfare - Harbin Bank focuses on inclusive finance, enhancing services for small and micro enterprises, with a loan balance of 41.187 billion yuan and a growth rate of 11.69% [5] - The bank has developed a digital product "Money to Home" to streamline lending processes for small businesses [5] Group 6: Retail Financial Services - The bank is transforming its retail financial services through an integrated online and offline approach, serving over 15.08 million retail customers [6] - Specialized services for different demographics, such as the elderly and children, are being enhanced to improve customer satisfaction [6] Group 7: Future Strategic Directions - Moving forward, Harbin Bank aims to continue aligning with national and provincial goals, focusing on breakthroughs in technology finance, green finance, and digital finance to support the modernization of the industrial system [8]

Group 1 - The core viewpoint of the news is the launch of a sustainable development-linked loan project by Harbin Bank's Jixi Branch, aimed at ecological restoration in the coal mining region of Heilongjiang Province, with a credit line of 150 million yuan allocated to Longmei Jixi Mining Co., Ltd [1] - The project is designed in accordance with the People's Bank of China's standards for biodiversity finance, focusing on the ecological environment restoration of 18 local mines [1] - Harbin Bank is actively supporting the green transformation of key coal production enterprises in the region through innovative financial products, linking loan interest rates to the ecological restoration outcomes of the borrowing enterprises [1] Group 2 - As of the end of Q3 2025, Harbin Bank's green loan balance reached nearly 20 billion yuan, contributing to a carbon reduction of 69,000 tons annually in Heilongjiang Province [2] - The bank's initiatives reflect its commitment to sustainable development and its role in supporting the local economy, aligning with national strategies for biodiversity protection [2] - The bank has been proactive in planning and implementing sustainable finance solutions, showcasing its responsibility in promoting the sustainable development of the regional economy [2]