Core Insights - The article highlights the successful establishment of Xianggu Village as the first demonstration village for the integration of inclusive finance and green finance in Yushu Tibetan Autonomous Prefecture, marking a significant breakthrough in financial support for ecological protection and industrial development in high-altitude pastoral areas [1] Group 1: Financial Support and Growth - Financial institutions have issued a total of 1,012 loans amounting to 75.32 million yuan to Xianggu Village, with year-on-year growth of 13.07% and 16.47% respectively, effectively injecting financial momentum into local ecological animal husbandry and tourism [1] - The People's Bank of China Yushu Branch has set clear goals for the demonstration village, including full coverage of basic financial services and a growth rate of green credit exceeding the regional average by the end of 2025 [2] Group 2: Collaborative Efforts and Financial Services - Yushu Rural Commercial Bank and the village committee have established a "Party Building + Finance" model, appointing the village secretary as a financial coordinator to enhance communication and accessibility of financial services [3] - The bank has set up agricultural financial service points equipped with POS machines and has deployed mobile financial service vehicles to meet the needs of dispersed pastoral residents, achieving a mobile banking account opening rate of 65% in the village [3] Group 3: Credit System and Financing Solutions - The establishment of a credit information system is crucial for addressing the financing challenges faced by farmers and herders, with the bank assessing 210 credit users and offering an average interest rate discount of 0.4 percentage points to those with good credit [3] - By the end of November 2025, the bank had issued loans to 479 households, achieving a coverage rate of 95% with a zero non-performing loan rate [3] Group 4: Green Finance and Ecological Development - Xianggu Village's unique ecological resources position it well for sustainable development through ecological animal husbandry and tourism, with the bank launching specialized credit products like "Farmers' Credit Loans" and "Rural Tourism Loans" to support these sectors [4] - The "Farmers' Credit Loans" have disbursed 74.82 million yuan, significantly aiding the standardized development of ecological animal husbandry, while "Rural Tourism Loans" have provided 900,000 yuan to three businesses for facility upgrades [4]
创建金融服务样板 中国人民银行玉树州分行打造普惠金融与绿色金融融合发展示范村
Jin Rong Shi Bao·2025-12-25 03:20