Financial Active Water's “Precise Drip Irrigation” Bank of Harbin (06138) helps the economic development of counties in Heilongjiang Province

The Zhitong Finance App learned that Dongning City is known as “the first black fungus county in the country”. It cultivates more than 900 million bags of black fungus each year, produces more than 40,000 tons of dried products, and has an output value of 3.9 billion yuan in 2025. The brand value is as high as 16.951 billion yuan, driving farmers' per capita disposable income to rank first in Heilongjiang Province for 20 consecutive years. In this complete industrial chain from bacterial pack production to global sales, upstream bacterial packaging factories have limited development due to lack of capital. The Dongning branch of the Bank of Harbin (06138) took the initiative to visit, break the traditional credit model, innovate and launch an exclusive “bacteria package factory” special loan, and provided a loan of 1 million yuan to the old Heishan town bacteria package factory to support it to steadily expand its scale of operation.

As early as 2024, in order to serve the development of local pillar industries, the Mudanjiang Branch of the Bank of Harbin established a “one black, one white” industry development strategy and issued the “Bank of Harbin Mudanjiang Branch Black Fungus Industry Chain Customer Group Financial Service Plan”, covering all aspects of bacterial package processing, planting and cultivation, acquisition and sorting, deep processing, and trade and sales. Up to now, the Bank of Harbin's Fungus Market Cluster project has granted credit to 140 households, with a total credit of 71.93 million yuan, allowing financial “living water” to pour out the “flower of prosperity” in the county.

In recent years, the Bank of Harbin has thoroughly implemented the strategic plan of the provincial committee and provincial government to promote the development of the county economy. In May 2025, the Bank of Harbin introduced the “Harbin Bank's Action Plan to Support County Economic Development Breakthrough Year”, adhering to inclusive finance as the foundation, digital transformation as the path, increasing financial support, continuously serving rural revitalization, and helping the development of local characteristic industries.

Product innovation is “tailor-made” for characteristic industries. The Bank of Harbin closely follows the “food head, food end” and “farm head and work end” strategy, and launches suitable products around grain processing, animal husbandry, and branded agriculture. In response to the problems of difficult financing and weak collateral for rice processing enterprises, a “rice processing loan” special service plan was launched to ease the seasonal financial pressure of enterprises; around the animal husbandry silage purchase scenario, the Provincial Dairy Industry Association conducted in-depth farm research and innovatively launched a “silage loan”; and “Black Soil Premium Loans” were provided to authorized “Black Soil Premium Loans” to help high-quality agricultural products in Longjiang reach the whole country. At the same time, it cooperated with Heilongjiang Innovative Agricultural Property Financing Co., Ltd. to provide forecasted income pledge loans to large growers over 1,000 mu, broaden financing channels for new agricultural operators, and accurately deliver credit services to fields.

Empowering with digital intelligence, making financial services “within reach”. The Bank of Harbin has accelerated the transformation of digital intelligence, cooperated with Chengdu Xinhope Financial Information Co., Ltd., introduced big data and artificial intelligence technology, and launched online digital business loan products to achieve “more data runs the road and less errands for customers.” Promote grid and batch marketing and market cluster project product development and application around customer base carriers such as professional markets and centralized business districts. Deepen cooperation with Beidahuang Group and Agricultural Investment Big Data Company to promote online “agricultural flash loan” products to effectively cover reclamation areas and rural areas. At present, the total credit investment of related online products has exceeded 10 billion yuan, and digital finance is entering thousands of households at an accelerated pace.

Chain extension, “precise drip irrigation” for financial revitalization. The Bank of Harbin adheres to “one bank, one policy” and “one county, one product”, and embeds financial services into the industrial chain, supply chain, and value chain. Continue to connect with regulated enterprises and key listed customers to spread policies benefiting enterprises; thoroughly implement financing coordination mechanisms for small and micro enterprises, and continue to carry out marketing visits to thousands of enterprises, and granted a total of 6.454 billion yuan in credit to 2,150 customers on the list. Actively participate in policy presentations and product promotion activities organized by agricultural and rural departments, industry and information technology departments and mainstream media, and continuously expand the coverage and influence of inclusive finance.

Up to now, the bank's various loan balances in county branches in the province are close to 20 billion yuan. The deposit-to-loan ratio continues to rise, and the number of business customers is growing steadily. A number of county branches, such as Wuchang, Baoqing, Mishan, Zhaodong, Fujin, and Keshan, continue to improve their effectiveness in serving the real economy.

Standing at a new starting point of development, the Bank of Harbin will continue to serve the overall revitalization of Longjiang, focus on the three major directions of small and micro markets, agricultural industries, and people's livelihood services, promote the decline in financial services, accelerate product innovation, and empower and increase efficiency, and write a new chapter in the high-quality development of the county economy with practical responsibility.