Core Viewpoint - Harbin Bank is enhancing its cross-border financial services and products to support the internationalization of the Renminbi and improve cross-border payment infrastructure, receiving recognition for its innovative digital solutions in the financial sector [1]. Group 1: Product Innovation and Recognition - Harbin Bank's self-developed cross-border payment settlement product "HaYin Digital E-Pass" won the "Best Digital Trade Platform" award in the 2025 "China Awards Program" by The Asian Banker, highlighting its role as a model for digital innovation in cross-border finance [1][3]. Group 2: Multi-Scenario Integration - "HaYin Digital E-Pass" integrates various new foreign trade scenarios such as cross-border e-commerce and market procurement, creating a comprehensive, online, and intelligent cross-border financial service ecosystem that addresses the pain points of slow and difficult payments in cross-border trade [3][6]. Group 3: Financial Technology Integration - Harbin Bank is embracing financial technology to establish a benchmark digital service system for cross-border settlements, having initiated cross-border Renminbi settlement services at border markets and issued the first special VAT invoice for processing businesses at the Heihe port [4][6]. Group 4: Operational Efficiency - The bank has achieved full automation of business processes through a highly integrated system architecture, reducing processing time by 83% compared to traditional methods, and ensuring a 100% accuracy rate in automatic account matching since the platform's launch [6]. Group 5: Commitment to Innovation - With the ongoing acceleration of global digitalization, Harbin Bank aims to continuously optimize its cross-border business and deepen international cooperation, providing comprehensive financial services to support the growth of new foreign trade models [7].