Despite the lingering chill of early spring, warmth fills the seedling greenhouses in Xianfeng Town, Wangkui County, Suihua City. Fifty-five-year-old Shao Zhongfu crouches beside a seedling bed, carefully inspecting the growth of the young shoots. Tender green tips have already broken through the soil, ready to be transplanted into the fields in a few days. Starting with his first loan of 290,000 yuan in 2017, and now with a credit line of 1.5 million yuan, Harbin Bank has accompanied this experienced farmer over nine years as he expanded from small-scale planting to a major grain grower managing 2,500 mu of land. Funds have arrived punctually each year at critical moments, covering agricultural supplies, machinery, and seedling trays without fail. In return, Shao Zhongfu has maintained his creditworthiness, with not a single overdue payment in nine years. "The bank trusts me, and I must live up to that trust," he said.
As preparations for the 2026 spring ploughing season enter a crucial phase, Harbin Bank, aligning with the national food security strategy and considering Heilongjiang's role as a major agricultural province, continues its tradition of early action. Through a combination of credit allocation, product innovation, and service upgrades, the bank is injecting strong momentum into spring farming operations in the region. As early as August 2025, the bank dispatched relationship managers to conduct field visits, assessing the funding needs of agricultural entities such as family farms, farmer cooperatives, and large-scale growers. By October of the same year, it had taken the lead in formulating a spring farming loan service plan, clearly defining disbursement targets and service strategies.
To address core needs like seed, fertilizer, and agricultural machinery fuel purchases, the bank has established a full-process green channel, implementing a policy of "priority investigation, priority approval, and priority disbursement." To date, the bank has cumulatively disbursed 11.851 billion yuan in loans for spring farming preparations, an increase of 1.269 billion yuan compared to the same period last year, providing a solid financial foundation for the planting season.
While increasing capital supply, Harbin Bank continues to offer favorable terms to farmers. Funding is focused on the three main grain crops—rice, corn, and soybeans—with particular emphasis on supporting new types of agricultural business entities. The bank actively aligns with production demands for "basket of food" products and vigorously supports the development of Heilongjiang's characteristic industries, such as edible fungi, Chinese herbal medicines, and underforest crops, thereby achieving dual support for both grain production and specialty agriculture.
Simultaneously, the bank has enriched its suite of whole-industry-chain loan products, including "Online Flash Farm Loan," "Black Soil Premium Products Loan," and "Grain Expected Receivables Pledge Loan." It continues to deepen its "Smart Farm Loan on Fingertips" service model. Leveraging its digital advantages, the bank enables farmers to apply for loans with a single click from their homes, effectively bridging the "last mile" of financial services.
As the saying goes, sow a single grain in spring, reap ten thousand in autumn. Moving forward, Harbin Bank will continue to focus on the financial needs of spring farming preparations, optimize the allocation of credit resources, and enhance the precision and effectiveness of its financial services, contributing more local financial strength to the agricultural modernization and comprehensive rural revitalization of Heilongjiang Province.