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- Retail Finance
Retail Finance
Provide retail clients with a comprehensive range of professional financial products and personalized, diversified asset allocation solutions, delivering high-quality retail financial services in all aspects.
- Finance Management Issued for individual customers, it can meet various financial investment needs.
- Personal Savings Our bank provides local and foreign currency savings services, offering you efficient and convenient financial services…
- Personal Loan Professional loans, faster service
- Overseas Finance We offer currency exchange between foreign currency cash, remittance, and RMB, as well as cross-border foreign currency remittance services.
- Private Banking Choose Harbinbank, Reflect Your Distinguished Status
- Convenient Financial Services Providing Safe, Fast, and Efficient Service
- Credit Card Thoughtful Service, Exclusive Privileges, Enjoy Shopping, Fulfill Dreams
Finance Management
Lilac Wealth, Enjoy a Distinguished Life
- Corporate Finance
SME Service
Tailored Financial Solutions Specifically for Small and Medium-Sized Enterprises (SMEs), Designed to Fully Meet their Unique Financial Needs.
- Corporate Financing Customized Financial Service Solutions with A Customer-first Approach.
- Corporate Deposits Providing Secure and Convenient Fund Storage and Management with Comprehensive Account Services for Businesses.
- Corporate Finance Management Offering A Full Range of Personalized Financial Services to Meet Diverse Client Needs.
- Transaction Banking Delivering Diversified, Integrated Financial Solutions Tailored to Enterprise Transactions.
- Bill Service Supporting Daily Business Operations with Services for Bill Issuance, Transfer, and Settlement.
- RMB Settlement Service Offering Cashless Credit Solutions for Seamless Fund Management.
- Intermediate Service Low-risk, Non-interest Financial Services for Your Business Needs.
- Cross-border Finance Your Expert Partner for Tailored, Comprehensive Cross-Border Financial Services.
Corporate Online Banking
Stay Connected Wherever You Go with Our Seamless Online Banking Platform
- Network Finance
Mobile Banking
Our Wealth Wallet Offers A More Personalized and Intelligent Experience, Simplifying Your Life While Ensuring Both Your Convenience and Financial Security.
- Online Banking Be Convenient, Rapid, Efficient and Reliable
- WeChat Banking Access A Wide Range of Convenient Banking Services Anytime, Anywhere
- Phone Banking Available 24/7 to Get Continuous Support and Comprehensive Financial Services
- Self-service Banking Available 24/7 to Meet All Your Banking Needs
- Security Center Offer Safe and Reliable Payment Solution
Customer Service Center
Professional and Focused, Dedicated to Service!
- Interbank Finance
Interbank Finance
Comprehensive Interbank Financial Solutions, Partnering for Your Harmony and Mutual Success.
- Bond Underwriting and Distribution Unlock Competitive Pricing, Superior Resources, and Premier Bond Underwriting & Distribution for Your Interbank Institution.
- Bond Trading Collaborating with Peers, Engaging the Market, and Leveraging Bond Expertise to Forge A Prosperous Future.
- Fund Business Safe, Efficient, Convenient: Your Trusted Partner for Interbank Financing.
- Bill Business Strategic Bill Rediscounting: Guiding Your Portfolio Direction and Boosting Returns, Pioneering Enhanced Interbank Asset Allocation.
Financial Market
Collaborating with Peers for Mutual Success
- Today's HarbinBank
SME Service
Tailor Comprehensive Financial Service Solutions Specially for SMEs
SME financial services are comprehensive financial service solutions worked out by HarbinBank for SMEs. Recognizing the unique capital demands of SMEs—characterized by short-term, small-amount, high-frequency, and urgent needs—the bank provides solutions for routine production, operational turnover, and fixed asset investments through various financing products and specialized loan offerings. With support for multiple online and offline processing channels, the application process is made convenient, featuring diverse guarantee options, flexible loan terms, and adaptable repayment methods. Additionally, our bank delivers valuable financial services designed to enhance the capabilities of quality enterprises.
Corporate Financing
Accompanied Growth and Loan for Your Glory
Our Bank is committed to enhancing product innovation, institutional development, system construction, and service channel expansion to offer comprehensive support for quality enterprise clients. We focus on bolstering key initiatives in areas such as livelihood projects, green finance, and technological innovation, all while actively embracing our social responsibilities.
Corporate Deposits
Accompany You on the Wealth Road
Our Bank is committed to delivering enterprises with all-round cash management services, effectively ensuring the preservation and enhancement of their capital value.
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Entity Agreement Deposits Agreement deposits refer to deposits made by our bank in accordance with the regulations set by the People's Bank of China, specifically targeting special types of RMB funds such as insurance funds, social security funds, and pension insurance funds. -
Entity Negotiated Deposits Entity Negotiated Deposits refer to the arrangement between the depositor and the bank to establish a basic deposit limit. Any amount exceeding this limit in the basic deposit account or general deposit account will be subject to interest rates as specified. -
Entity Notice Deposits Entity Notice Deposits refer to the funds deposited by the depositor without a predetermined term. To withdraw these funds, the depositor must notify the bank in advance, specifying the withdrawal date and amount. -
Entity Time Deposits Entity Time Deposits refer to a type of deposit in which both the bank and the depositor agree on a specific withdrawal date in advance. At the time of the deposit, the term and interest rate are predetermined, and upon maturity, the funds are available for withdrawal. -
Entity Demand Deposits Entity Demand Deposits refer to deposits that do not have a specified term, allowing customers to deposit and withdraw funds at any time. Interest on these deposits is calculated based on the current deposit interest rate.
Corporate Finance Management
Lilacs in Bloom, Managing Wealth for You, Growing Prosperity, and Enlightening the Future
Offer A Variety of Finance Management Products Tailored for Institutional Clients, Catering to Their Diverse Investment Needs.
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Lilac Finance Management Product
Offer A Variety of Finance Management Products with Different Terms Tailored for Institutional Clien...
Strong Liquidity and Convenient Processes
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Tailored Finance Management Solutions
Flexible customization of exclusive finance management based on the needs of institutional clients.
Exclusive Customization, Worry-Free Wealth!
Transaction Banking
Linking Enterprises and Banks in Harmony, Empowering the Digital Era Through Finance
Our Bank focuses on the transaction activities of enterprises in their production and operations. By centering on our clients, we integrate financial products and services into their transaction processes. This approach enhances bank-enterprise interaction through comprehensive and multidimensional financial services. We collaborate across different lines within the commercial bank to identify and address the contextual needs of clients, designing and delivering diversified, integrated, and comprehensive financial service solutions of the highest quality.
Service Introduction
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Cash Management Solutions
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Supply Chain Financing
Bill Service
Technology-Driven Comprehensive Bill Solutions
Our Bank offers top-notch bill services built on traditional commercial bill settlement and financing products, enhanced by advanced information systems and streamlined service processes.
Bill Services
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Splitting of Bank Acceptance Bill
The splitting of bank acceptance bill means that according to the agreement between buyer and seller, both parties make a settlement in the form of commercial bill, and the seller holds the ...
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Guaranteed Discounting of Commercial Acceptance Bills
Guaranteed discounting of commercial acceptance bills refers to the process in which the bank discounts these bills for applicants with strong creditworthiness and positive business performance (the a...
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Direct Discounting of Commercial Bills
Direct discounting of a commercial bill refers to the process in which the holder of an immature commercial bill transfers it to the bank. The bank then deducts the discount interest from the bill's f...
RMB Settlement Service
Worry-free Settlement: Connecting the World and Unlocking the Future with Intelligence
Our Bank provides customers with diversified corporate RMB settlement business such as cheques, promissory notes and bills to facilitate financing.
Settlement Notes
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Bank Promissory Note A Bank Promissory Note is a note issued by the bank, committing to pay a specified amount unconditionally to the payee or holder upon presentation of the note. -
Commercial Bill A commercial bill is a bill issued by the drawer that instructs the payer to unconditionally pay a specified amount to the payee or holder on a designated date. -
Bank Bill A bank bill is a bill issued by the bank, which commits to unconditionally pay the payee or holder the actual settlement amount upon presentation of the bill. -
Cheque A Cheque is a bill issued by the drawer that instructs the bank handling the cheque deposit to unconditionally pay a specified amount to the payee or holder upon presentation of the cheque.
Settlement Account ManagementCorporate Account Announcement
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Special Deposit Account A dedicated deposit account is a bank settlement account established by the depositor for the special management and use of funds designated for specific purposes, in accordance with laws, administrative regulations, and rules. -
Temporary Deposit Account A temporary deposit account is a bank settlement account opened by the depositor to meet short-term needs, which is intended for use within a specified period. -
General Deposit Account A general deposit account is a bank settlement account opened by the depositor at a banking institution other than the one where their basic deposit account is held, typically for the purposes of borrowing or other settlement needs. -
Basic Deposit Account A basic deposit account is an account used by the depositor for daily transfer and settlement transactions, as well as for cash receipts and payments such as salaries and bonuses.
Intermediate Service
Customer First, Excellence in Service
Our Bank provides customers with quality services such as the letter of guarantee, commitments and entrusted loans.
International Settlement
Leverage expertise, connect globally, and win the future
- Inbound Remittance
- Outbound Remittance
- Export Documentary Collection
- Import Collection
- Letter of Credit Examination/Negotiation
- Letter of Credit Notification
- Letter of Credit Confirmation
- Issuance of Letter of Credit
FX Settlement & Sales
Achieve Global Success with Flexible Trading and Optimal Exchange Efficiency
International Trade Financing
Bridging Domestic and International Operations for Optimized Cross-Border Trade
Domestic Trade Financing
Streamlining Trade and Commerce with Efficient Service
International Guarantees
Leveraging Credit for Streamlined Cross-Border Transactions
Cross-border Finance
Extensive Global Reach Through Agent Banks and Interbank Cooperation
Cross-border Financial Services
Managing Your Cross-Border Needs: Settlement, Financing, and FX Risk Solutions
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