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]
锚定十五五新蓝图 哈尔滨银行以金融力量助力龙江经济高质量发展