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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
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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