牦牛变“活存折”

Core Viewpoint - A transformative industry change is occurring in the highland livestock sector of Aba Prefecture, China, driven by the integration of technology and finance, particularly through a collaborative mechanism involving "technology + credit + insurance + industry" [1][2] Group 1: Industry Context - Aba Prefecture's Hongyuan County is a key area for rural revitalization and is one of Sichuan Province's 39 underdeveloped counties, facing economic challenges but possessing unique yak resources [1] - The yak industry is seen as a critical lever for overcoming development bottlenecks, with a focus on ecological and green development goals [1] Group 2: Technological Integration - The People's Bank of China in Aba has facilitated a partnership between Agricultural Bank of China and PICC to incorporate advanced technologies like "facial recognition" and AI image analysis into financial services [2] - Each yak is assigned a unique "digital ID," with 554 yaks already having their facial data collected and insured [2] Group 3: Financial Innovations - The Agricultural Bank of China has introduced the "Smart Livestock Loan," allowing live yaks to be used as collateral for loans, marking a significant shift in financing practices [2] - A loan of 1 million yuan was successfully issued to Xiangfa Animal Husbandry Development Co., overcoming traditional barriers related to live asset collateral [2] Group 4: Risk Management and Security - The new model employs intelligent risk control for dynamic monitoring of the entire breeding process, ensuring financial security for institutions while reducing financing costs for livestock enterprises [2] - Blockchain technology is utilized to document the entire process of asset registration, insurance claims, and loan approvals, effectively eliminating the risk of double collateralization [2] Group 5: Impact on Local Farmers - Local farmers express relief and optimism as the new system provides them with easier access to loans, transforming yaks into profitable assets [2]