当苗绣“秀”进“复兴号”

Core Viewpoint - The article highlights the transformative impact of inclusive finance on rural revitalization in the Miao ethnic village of Shibadong, Hunan Province, showcasing how financial products like "Miao Embroidery Loan" have empowered local artisans and improved their livelihoods [1][12]. Financial Support and Development - The establishment of financial services in Shibadong began with the Agricultural Bank of China setting up a service point in 2014, facilitating 1,568 transactions totaling 602,900 yuan [6]. - The introduction of the Xiangxi Changxing Village Bank in 2017 provided a local banking presence, allowing villagers to store money safely and access loans without collateral [7]. - The bank has issued a total of 27.1 million yuan in credit to the village, enabling the development of various agricultural projects, including a kiwi fruit base [7]. Miao Embroidery Cooperative - The Miao Embroidery Cooperative, founded by Shibadong's former village leader, has evolved from struggling to secure orders to successfully partnering with CRRC Zhuzhou Electric Locomotive Co., producing custom embroidery for high-speed trains [5][8]. - The cooperative's annual output value has reached 450,000 yuan, creating jobs for 54 women and generating 200,000 yuan in collective dividends for the village [8]. Agricultural Innovations - The introduction of hybrid cattle breeding in 2020 has improved local livestock farming, with the "Yellow Cattle Breeding Loan" allowing farmers to secure funding without collateral [10][11]. - Farmers can now use livestock as collateral for loans, which has led to increased cattle production and income for local farmers [11]. Policy Support and Financial Products - The Xiangxi government has implemented policies to support inclusive finance, including a 200 million yuan risk reserve fund and low-interest loans for agricultural projects [12]. - The introduction of specialized loans like "Miao Embroidery Loan" and "Yellow Cattle Loan" has been complemented by interest subsidies, reducing the effective interest rate for farmers to below 3% [12]. Socioeconomic Impact - Since the implementation of targeted poverty alleviation measures in 2013, the average annual income in Shibadong has increased from 1,668 yuan to over 20,000 yuan, reflecting significant socioeconomic progress [13]. - The village has become a model for inclusive finance, with its experiences being replicated in other rural areas across China, demonstrating the potential of financial services to drive rural development [14].