让“高原之舟”生“金”

Core Viewpoint - The innovative "Yak Industry Loan" introduced by the rural credit cooperative in Xiahe County aims to solve financing difficulties through livestock collateral, thereby activating the entire value chain of the yak industry and injecting strong momentum into rural revitalization [1][2]. Group 1: Financial Innovation and Support - Xiahe County Credit Cooperative has issued a total of 3,679 yak-related loans amounting to 310 million yuan, and 10 "livestock collateral loans" totaling 4.95 million yuan [1]. - The cooperative has established a model of "enterprise + cooperative + base," nurturing two leading enterprises and over 20 specialized cooperatives, forming a billion-yuan yak industry cluster [1][2]. - The cooperative's focus on "supporting agriculture, small businesses, and micro-enterprises" has led to the creation of specialized financial products tailored to the yak industry, enhancing the financial support for local farmers [2][3]. Group 2: Industry Development and Employment - The yak industry has been positioned as a key driver for poverty alleviation, with the cooperative's support enabling over a hundred impoverished households to achieve an average income increase of 200,000 yuan [1][2]. - The introduction of the "livestock collateral loan" has allowed local ranchers to secure higher credit limits, facilitating the expansion of their operations and increasing the value of each yak by 30% [6]. - The cooperative has successfully supported the establishment of multiple agricultural cooperatives, leading to a comprehensive development model that includes breeding, processing, and marketing [4][7]. Group 3: Technological Integration and Market Expansion - The integration of technology such as IoT monitoring systems and blockchain traceability has improved yak breeding efficiency by 15% [7]. - The cooperative has facilitated the production of high-value processed products, with sales increasing by 210% after entering online platforms [7]. - The yak industry has contributed to a total output value exceeding 800 million yuan, with a year-on-year growth of 16%, creating 600 jobs and raising the average income of farmers to 48,000 yuan [7][8]. Group 4: Future Plans and Goals - The cooperative plans to invest an additional 100 million yuan to support small and micro enterprises, cooperatives, and large-scale ranchers, aiming for standardized upgrades in the livestock industry [8]. - The focus will also be on the deep integration of "digital finance + smart pastures," extending the yak industry into high-value areas such as deep processing and cultural tourism [8].