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]