Core Insights - Harbin Bank and Chengdu New Hope Financial Information Co., Ltd. signed a strategic cooperation agreement to enhance digital growth, intelligent risk control, and digital customer operations, accelerating the integration of traditional finance and modern technology [2][3] - The newly launched digital product "Qian Dao Jia" includes consumer loans and business loans, utilizing big data and artificial intelligence for real-time risk control and automated approval, transforming the credit decision-making process from experience-driven to data-driven [2][3] - "Qian Dao Jia" offers personalized product recommendations and dynamic credit adjustments based on customer profiles, shifting financial services from standardized offerings to customized experiences [2][3] Digital Transformation Initiatives - Harbin Bank has initiated the "Digital Ha Xing" project, implementing ten foundational projects to reconstruct its management and financial service system, focusing on innovation, collaboration, and agility [3] - The "Qian Dao Jia" consumer loan product integrates into residents' daily life scenarios, allowing loan applications via WeChat mini-program, with approval and disbursement completed in as little as one minute, offering loans up to 800,000 yuan [3] - The business loan product targets the financing needs of small and micro enterprises, providing up to 1 million yuan in unsecured loans, aligning with government measures to support small business financing [3] Future Directions - New Hope Group's CEO emphasized the commitment to delivering and innovating the "Qian Dao Jia" project, aiming for enhanced business efficiency, service innovation, and user experience [4] - Harbin Bank plans to leverage the "Qian Dao Jia" brand to advance digital capabilities and service ecosystem upgrades, focusing on collaborations with established brands and core enterprises in sectors like ice and snow economy and green economy [4] - The bank aims to strengthen its digital risk control system by integrating various governmental data sources to lower loan application barriers for small micro clients, enhancing loan accessibility for high-tech talents and new citizens [5]