全面构建零售业务与客户服务闭环 助力高质量可持续发展 零售金融业务加速数字化转型。零售金融业务定位于集团战略转型的重点，2025年上半年，集团加强数 字化客户关系管理，加速"线上+线下"全渠道协同与营销数字化转型，有力支撑大零售业务从单一化向 综合化转变。全面构建零售金融业务与客户服务闭环，深化有温度的零售服务品牌内涵，推动零售金融 业务可持续、高质量发展。截至2025年6月30日，集团零售存款本外币合计总额为人民币5099.701亿 元，较上年末增加人民币99.931亿元，增幅为2.0%；零售存款本外币合计平均结余为人民币5085.372亿 元，较上年增加人民币470.006亿元，增幅为10.2%。根据中国人民银行黑龙江省分行统计，报告期末集 团哈尔滨分行零售存款余额在当地市场份额为19.58%，零售存款余额位列当地市场第一位。 构建"金融+非金融"综合服务模式。集团始终践行以客户为中心的经营理念，构建"金融+非金融"综合服 务模式，持续提升团队实战能力及养老金融服务专业能力，满足老年客户、儿童客户、代发客户等多客 群非金融综合需求，提高零售金融服务质效。截至2025年6月30日，集团拥有零售客户1508. ...

Group 1 - Heilongjiang Province is actively engaging in spring farming preparations, with financial institutions collaborating to meet the funding needs for agricultural production [1] - As of the end of March, banks in Heilongjiang have issued a total of 224.92 billion yuan in special loans for spring farming, marking a year-on-year increase of 16.56% [1] - The People's Bank of China Heilongjiang Branch has issued a notice to guide banks in allocating credit resources effectively, focusing on major grain-producing counties [1] Group 2 - The Rural Commercial Bank of Raohe has tailored loan products for farmers, successfully providing a 2 million yuan loan to a large-scale rice grower [2] - The bank has implemented a "Quick Planting Loan" product, allowing for online processing of loans under 200,000 yuan, with disbursement completed in as little as 10 minutes [2] - The bank aims to expand its financial services to support agricultural modernization and rural development [2] Group 3 - The Construction Bank of Heilongjiang has strengthened cooperation with agricultural financing guarantee institutions to enhance sustainable financial services for agriculture [3] - The Agricultural Bank of Heilongjiang has allocated 16 billion yuan in credit to support farmers during the spring farming season [3] - The Heilongjiang Rural Credit Union has introduced a "village financial assistant" model, deploying financial assistants to provide services directly in rural areas [3]