harbin bank co., ltd. is a chinese city-based commercial bank (chinese: 城市商业银行), with its headquarters in harbin, heilongjiang province. it was established in 1997 as harbin city commercial bank, opened its branches in harbin city only, but changed its name to harbin bank in 2007 and has since opened branches in dalian, tianjin, shuangyashan and jixi. it ranks 4th by comprehensive competitiveness among chinese city commercial banks in 2011.[1]