Zhong Guo Xin Wen Wang·2025-09-27 04:59Core Insights - Agricultural Bank of China (ABC) Tibet Branch has significantly advanced the rural credit system in Tibet over the past 30 years, evolving it from non-existent to sophisticated [1][2] - The introduction of small loan products using the "Gold, Silver, Copper" card system in 2001 addressed local challenges such as transportation issues and lack of collateral, enabling residents to access credit [1] - The bank's innovative approach has led to the issuance of 460,300 "Four Card" loans, with a usage rate exceeding 90%, thereby improving financial resource allocation in rural areas [2] Summary by Sections Credit System Development - ABC Tibet Branch has developed a three-tier credit system at the county, town, and village levels, creating a new credit mechanism for rural areas [2] - The "Four Card" system includes Diamond, Gold, Silver, and Copper cards, which have been enhanced multiple times to increase loan limits based on agricultural development needs [1][2] Impact on Local Communities - The case of a local resident, Laba Danzhu, illustrates the positive impact of the credit system, as he was able to purchase a second-hand tractor and later establish a sand and gravel business, becoming a leader in his community [1] Future Plans - ABC Tibet Branch aims to further strengthen the rural credit system and increase personal loans for agriculture to over 40 billion RMB by 2025, focusing on key areas of rural revitalization [2]