Core Viewpoint - Harbin Bank (06138) has demonstrated significant advancements in its inclusive finance business in the first half of 2025, launching innovative products such as "Money to Home" and "Agricultural Flash Loan" to enhance service efficiency through digital means [1] Group 1: Inclusive Finance Business Performance - The bank's micro and small enterprise loan disbursement reached 16.918 billion yuan, an increase of 1.62 billion yuan compared to the same period last year [1] - The outstanding balance of micro and small enterprise loans was 41.198 billion yuan, with a growth rate of 11.72% [1] - The average pricing of loans disbursed during the year was 5.83%, a decrease of 0.87 percentage points from the previous year, indicating a continued effort to lower financing costs for small enterprises [1] Group 2: Agricultural Loan Services - The outstanding balance of agricultural loans reached 32.2104 billion yuan, while the balance of loans to farmers was 16.5322 billion yuan [1] - The bank's services have expanded to cover most rural markets in 11 cities of Heilongjiang Province and parts of rural areas in Chengdu, Chongqing, Shenyang, Tianjin, and Dalian outside the province [1] - These efforts are aimed at significantly supporting local county economic development and the prosperity of rural financial markets, contributing to comprehensive rural revitalization [1] Group 3: Strategic Approach and Market Impact - The bank employs differentiated and bulk services to precisely meet the needs of micro, small enterprises, and the agricultural sector, alleviating financing difficulties while expanding its customer base [1] - This strategy enhances customer loyalty and opens new business growth points and profit spaces, demonstrating the bank's commitment to social responsibility [1]
普惠金融成果显著，哈尔滨银行助力小微与 “三农”