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]
哈尔滨银行“钱到家”数字信贷产品精准服务实体经济