Dongning City is known as China's leading black fungus producing county, with annual cultivation exceeding 900 million bags, dried product output surpassing 40,000 tons, an output value of 3.9 billion yuan in 2025, and brand value reaching 16.951 billion yuan, having driven per capita disposable income for farmers to rank first in Heilongjiang Province for 20 consecutive years.
Along this complete industrial chain spanning from fungus bag production to global sales, upstream fungus bag factories were once constrained by a shortage of funds.
The Dongning Branch of Harbin Bank (06138) took the initiative to conduct visits, broke away from traditional credit models, and innovatively launched a dedicated "fungus bag factory" special loan, providing a 1 million yuan loan to a fungus bag factory in Laoheishan Town to support its steady expansion of operations.
As early as 2024, in order to serve the development of local pillar industries, the Mudanjiang Branch of Harbin Bank established a "one black, one white" industrial development strategy and issued the "Harbin Bank Mudanjiang Branch Black Fungus Industry Chain Customer Group Financial Service Plan," covering all stages including fungus bag processing, cultivation and planting, procurement and sorting, deep processing, and trade sales.
To date, Harbin Bank's fungus market cluster special credit program has extended credit to 140 households with a total credit amount of 71.93 million yuan, allowing financial "living water" to nourish county-level "prosperity flowers."
In recent years, Harbin Bank has thoroughly implemented the provincial party committee and provincial government's strategic arrangements for promoting county-level economic development, and in May 2025 issued the "Harbin Bank Action Plan for the Breakthrough Year of Supporting County-Level Economic Development," adhering to inclusive finance as the foundation, digital-intelligent transformation as the driver, and industrial integration as the pathway, increasing financial support, continuously serving rural revitalization, and helping the development of local specialty industries.
Product innovation tailors solutions for specialty industries. Harbin Bank closely follows the "grain head, food tail" and "agriculture head, industry tail" strategies, launching adapted products around grain processing, livestock breeding, and branded agriculture. In response to the financing difficulties and weak collateral of rice processing enterprises, it launched a "rice processing loan" special service plan to ease seasonal funding pressures on enterprises; around the scenario of purchasing silage feed for the livestock industry, it collaborated with the provincial dairy association to conduct in-depth research at pastures and innovatively launched "silage loan"; for enterprises authorized to use the "black soil premium products" brand, it provided "black soil premium products loan" to help high-quality agricultural products from Heilongjiang reach the national market. At the same time, in cooperation with Heilongjiang Innovative Agricultural Property Rights Financing Co., Ltd., it provides expected income rights pledge loans to large-scale growers with over 1,000 mu, broadening financing channels for new agricultural business entities and delivering credit services precisely to the fields.
Digital-intelligent empowerment makes financial services within reach. Harbin Bank is accelerating its digital-intelligent transformation, cooperating with Chengdu New Hope Financial Information Co., Ltd., introducing big data and artificial intelligence technology, and launching online digital business loan products to achieve "more data running, less customers running errands." Around customer carriers such as specialized markets and concentrated commercial districts, it promotes grid-based and batch marketing as well as the development and application of market cluster special products. It deepens cooperation with Beidahuang Group and Agricultural Investment Big Data Company to promote the online "agricultural flash loan" product, effectively covering reclamation areas and rural regions. Currently, the cumulative credit disbursement of related online products has exceeded 10 billion yuan, and digital-intelligent finance is accelerating its entry into thousands of households.
Chain extension with precise financial drip irrigation. Harbin Bank adheres to "one branch, one policy" and "one county, one product," embedding financial services into industrial chains, supply chains, and value chains. It continuously connects with above-scale enterprises and key listed customers to transmit pro-enterprise policies; thoroughly implements the small and micro enterprise financing coordination mechanism, continuously carries out visits and marketing to thousands of enterprises and households, and has cumulatively extended credit of 6.454 billion yuan to 2,150 customers on the list. It actively participates in policy briefings and product promotion activities organized by agriculture and rural affairs, industry and information technology departments, and mainstream media, continuously expanding the coverage and influence of inclusive finance. To date, the balance of various loans at the bank's county-level branches within the province is nearly 20 billion yuan, the loan-to-deposit ratio continues to rise, and the number of business customers is steadily growing. A number of county-level branches in Wuchang, Baoqing, Mishan, Zhaodong, Fujin, Keshan and other areas have continuously improved their effectiveness in serving the real economy.
Standing at a new starting point for development, Harbin Bank will continue to take serving the comprehensive revitalization of Heilongjiang as its mission, focusing on the three major directions of small and micro markets, agriculture-related industries, and livelihood services, promoting the sinking of financial services, accelerating product innovation, and enhancing digital-intelligent empowerment, writing a new chapter in high-quality county-level economic development with practical action and responsibility.