国债“进村入户”上高原

Core Viewpoint - The article highlights the innovative measures taken by the People's Bank of China in Aba Prefecture to enhance county-level treasury services, making financial services more accessible to local farmers and herders in remote areas, thereby improving their financial literacy and participation in national financial policies [1][2][3]. Group 1: Mechanism Innovation - The People's Bank of China in Aba Prefecture has introduced the "County Treasury Service Guidelines" to standardize service items, processing procedures, and assessment criteria, creating a comprehensive regulatory framework [2]. - A collaborative network involving local government and financial institutions has been established to facilitate communication and problem-solving, ensuring that treasury services are effectively integrated into local financial work [2]. Group 2: Risk Management - The bank has implemented a robust risk management framework, including the development of inspection guidelines and risk assessment checklists to ensure the safety of funds in county-level treasury services [3]. - A three-pronged regulatory approach has been adopted, combining on-site inspections, commissioned inspections, and cross-county inspections to maintain oversight and prevent risks [3][4]. Group 3: Service Enhancement - The establishment of 12 quality service points for treasury services has been achieved, equipped with bilingual staff and self-service terminals to provide comprehensive support to local farmers [5]. - The "Horseback Promotion Team" has been instrumental in delivering financial education and services directly to remote areas, significantly increasing awareness and understanding of treasury services among the local population [5][6]. Group 4: Impact and Results - Since 2025, the sales of treasury bonds in the region have increased by 60.8% year-on-year, with no reported incidents of financial security risks, indicating the effectiveness of the implemented measures [4]. - By the end of 2025, treasury bond sales reached 28.36 million yuan, accounting for 63.2% of total sales in the region, reflecting a significant increase in financial engagement among local farmers [6].