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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 Money 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 Providing tailored, professional financial services for cross-border enterprise clients, comprehensively meeting various financial needs of clients.
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
Be professional and dedicated, and serve wholeheartedly
- Interbank Finance
Interbank Finance
Providing you with comprehensive interbank financial solutions, working together for harmony and mutual success.
- Bond Underwriting and Distribution Competitive pricing, superior resources, and top-quality bond underwriting and distribution services for various interbank institutions.
- Bond Trading Partnering with peers, engaging with the market, going all out with bonds to create a prosperous future.
- Fund Business Safe, efficient, and convenient—your ideal partner for interbank financing.
- Bill Business Bill rediscounting services to steer direction and increase returns, opening a new chapter in interbank asset allocation.
Financial Market
Joining Hands with Peers to Achieve Mutual Success
- Today's HarbinBank
RMB Loan Rates
| Item | Annual Interest Rate (%) |
| 1. Short-Term Loans | |
| Up to 1 year (inclusive) | 4.35 |
| 2. Medium- to Long-Term Loans | |
| 1 to 5 years (inclusive) | 4.75 |
| Over 5 years | 4.9 |
| 3. Personal Housing Provident Fund Loans | |
| Up to 5 years (inclusive) | 2.35(first home)/Not less than 2.775 (second home) |
| Over 5 years | 2.85(first home)/Not less than 3.325(second home) |
| Note: For specific rate details, please consult your local HarbinBank branch. |
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