中国人民银行黑龙江省分行深入贯彻落实习近平总书记视察黑龙江省期间的重要讲话和重要指示精神， 牢记"中国粮食、中国饭碗"殷切嘱托，坚持以做好"三农"金融服务为头等大事。2023年以来，以创建金 融支持乡村振兴先行先试样板区为引领，推动全省金融机构探索出一套符合现代化大农业发展特点的龙 江经验。全省涉农贷款由2023年初的9296.1亿元，提升至2025年11月末的10294.3亿元。截至11月末，全 省农户贷款余额2375.6亿元，同比增长11.6%，比年初增加245.3亿元；农业贷款余额2631.9亿元，同比 增长11.0%，比年初增加235.1亿元；农村贷款余额5455.4亿元，同比增长7.4%，比年初增加266.5亿元。 金融助力黑龙江省粮食实现"二十二连丰"，今年粮食总产量达到1640亿斤，连续16年位居全国第一。 一、加强联动协同，深化顶层设计，构建金融服务乡村振兴全方位政策支持体系 中国人民银行黑龙江省分行坚持把金融服务乡村振兴摆在突出位置，强化组织领导和顶层推动，系统谋 划、整体协同，为全省农业农村现代化注入强劲金融动能。一是党委高度重视，专班推进落实。分行党 委坚决扛起政治责任，将服务乡村振兴列 ...

Core Viewpoint - Harbin Bank is actively implementing the financial "Five Major Articles" strategy, focusing on green finance to support regional industrial upgrades and economic transformation, achieving significant growth in green loans [1][2] Group 1: Green Finance Initiatives - As of June 30, 2025, Harbin Bank's green loan balance reached nearly 18 billion yuan, with an increase of over 6 billion yuan since the beginning of the year, leading the growth among 21 banking institutions in Heilongjiang Province [1] - The bank has established a comprehensive green finance work system through various guiding documents, ensuring systematic advancement of green finance initiatives [1] Group 2: Product Innovation - Harbin Bank has introduced innovative products such as "sustainable development-linked loans," which tie loan rates to corporate sustainability performance, encouraging low-carbon transitions in traditional industries [2] - The bank has successfully launched several innovative projects, including the first ESG-linked data asset pledge loan in Heilongjiang Province and the first carbon footprint-linked loan, among others, to drive business innovation [2]

Group 1 - The core viewpoint of the news is the successful implementation of the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, facilitated by Harbin Bank and various government departments, aimed at promoting green finance and carbon asset utilization [1][2] - Harbin Bank has launched multiple green financial products, including "New Quality Loan," "Sustainable Development Linked Loan," and "Carbon Emission Rights Pledge Loan," reflecting its commitment to green development [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banking institutions in the province for new issuance [2] Group 2 - Harbin Bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in various sectors, including carbon finance, forest economy, and ecological tourism, aiming to create economic and social benefits [3] - The bank's initiatives are expected to enhance the ecological product value realization pathways in Heilongjiang Province, contributing to the region's green economic development [3]

Core Insights - Harbin Bank successfully launched the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, providing a credit of 10 million yuan to Mudanjiang Xiangshui Agricultural Co., Ltd. This initiative aims to facilitate the conversion of ecological resource value in the province [1] Group 1: Project Implementation - The project was guided by the People's Bank of China Heilongjiang Branch and other government departments, showcasing a collaborative effort across multiple departments within Harbin Bank [1] - The loan was secured against carbon sink assets, with the bank designing a comprehensive financial service plan based on the enterprise's industry, operational characteristics, and credit status [1] Group 2: Green Finance Strategy - Harbin Bank has been actively implementing a green development strategy, launching various financial products such as "New Quality Loans" and "Carbon Emission Rights Pledge Loans" [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banks in the province for new issuance [2] Group 3: Future Plans - The bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in areas such as carbon finance, forest economy, and ecological tourism, aiming to create diverse economic and social benefits [6]