红票子”托举起“黑珍珠

Core Viewpoint - The article highlights the unique cash transaction ecosystem in the Hongyuan pastoral area, where cash remains the preferred payment method for over 70% of herders due to the region's specific financial and geographical conditions [2][3]. Group 1: Cash Transaction Preferences - More than 70% of herders in the Hongyuan pastoral area prefer cash transactions for yak trading, as it aligns with their production and lifestyle needs [2]. - The vast area and intermittent network coverage in remote pastures make digital payments unreliable, necessitating immediate cash transactions for large yak trades [2]. - The traditional habit of cash transactions among herders reinforces the importance of cash as a payment medium in yak trading [2]. Group 2: Financial Services Innovations - Local banks have implemented a "fixed point + mobile service" dual financial service system, utilizing 12 mobile banking vehicles that travel over 20,000 kilometers annually to serve over 70% of the pastoral area [3]. - These mobile banking vehicles are equipped with satellite communication devices, enabling core cash services even in areas without network coverage, effectively addressing the "last mile" of cash service delivery [3]. - The banks have developed a cash demand forecasting model to optimize cash distribution based on yak growth cycles and market prices, resulting in a 15% reduction in operational costs compared to traditional methods [3]. Group 3: Cash Security Measures - The introduction of intelligent cash handling equipment has achieved a 100% accuracy rate in counterfeit detection, ensuring the safety of herders' finances [4]. - Banks have conducted over 60 bilingual anti-counterfeiting education sessions to help herders identify counterfeit currency, enhancing the cash security network [4]. Group 4: Regional Cash Supply Enhancements - The establishment of a cash custody warehouse in Hongyuan has improved cash supply efficiency for surrounding areas, significantly reducing travel times for cash withdrawals [5][6]. - Since the establishment of the custody warehouse, a net cash injection of 4.23 billion yuan has been recorded, leading to increased satisfaction among pastoral communities regarding financial services [6]. - The efficient cash services in the Aba highland pastoral area complement digital payments, enhancing the inclusivity and accessibility of payment services [6].