Core Viewpoint - The Harbin branch of Industrial Bank is leveraging its unique ecological advantages in Heilongjiang to innovate in green finance and ice economy, transforming ecological benefits into development momentum and implementing the "Two Mountains" theory in the region [1][2]. Green Finance Initiatives - As a "green finance demonstration bank" in Heilongjiang, the Harbin branch has integrated the "dual carbon" strategy into its operations, establishing a comprehensive green finance service system. By the end of June, the bank's green loan balance reached 8.7 billion, accounting for 24% of total loans [2]. - The bank focuses on key areas for low-carbon industrial transformation, employing a "full lifecycle" service approach. It has successfully launched innovative financial products, including the first carbon market pledge loan in the country and the first "carbon emission dual control" and "carbon footprint" linked loans in Northeast China [2][3]. Ice Economy Development - The Harbin branch is actively promoting the ice economy by innovating financial models to unlock the value of ice and snow resources. It has developed a "boundaryless finance" service system to support large ice and snow events, enhancing customer service efficiency through various initiatives [2]. - The bank has provided 193 million in green loans specifically for "biodiversity protection," and has tailored financial products like the "Long Tour Loan" for the hotel industry, granting over 70 million in credit to more than 30 enterprises [3]. Continuous Innovation and Support - The Harbin branch is committed to deepening green finance reforms and innovations, aiming to empower the ice industry for continuous upgrades. It seeks to nourish the ecological environment with financial resources and ignite the cold economy with innovative momentum, contributing to the practical application of the "Two Mountains" theory in Heilongjiang [3].

Group 1 - The core focus of the Industrial Bank Harbin Branch is to support the "cultural tourism economy" through credit, aiding the infrastructure development of the cultural tourism industry in Heilongjiang [1] - As of the end of May, the loan balance for the cultural tourism industry exceeded 2.1 billion yuan, and the bank was recognized as an "Advanced Unit for Financial Support of Heilongjiang Cultural Tourism" [1] Group 2 - The bank has introduced an innovative biological asset credit enhancement model to address financing challenges for the Harbin Polar Museum project, incorporating live assets like dolphins and belugas into the credit enhancement scope [2] - Recently, the bank provided a targeted loan of 193 million yuan for the second phase expansion of the Harbin Polar Museum, supporting the construction of a multimedia interactive experience area [2] Group 3 - The bank launched a specialized product called "Longyou Loan" to cater to the financing needs of key segments in the cultural tourism industry, such as chain hotels and restaurants [3] - The bank's financial representatives conducted in-depth research on the financing needs of local chain hotels, streamlining the approval process from one week to one working day, enabling businesses to seize market opportunities [3] - To date, this product has disbursed nearly 70 million yuan, accelerating market opportunities for 30 chain hotels and restaurants [3] Group 4 - The bank has innovated a standardized and customized "Pocket Change" service, particularly for the taxi industry, to address the issue of drivers needing change [4] - By increasing the inventory of small denomination cash and facilitating cash withdrawal for international visitors, the bank enhances the overall service experience for both local and international tourists [4] - The bank integrates warm services throughout the cultural tourism ecosystem, utilizing online financial tools to assist ice and snow industry enterprises in accelerating capital turnover [4]