Core Viewpoint - The Agricultural Bank of Tibet has successfully implemented a credit system to support the financial needs of farmers and herders, significantly improving their living standards and economic conditions through innovative loan products and services [1][4][8]. Group 1: Credit System Development - The Agricultural Bank of Tibet launched the "Three Cards" small loan product in March 2001, which became a vital tool for building a credit system in rural areas, characterized by no collateral requirements, simple application processes, flexible usage, and quick disbursement [1]. - The "Four Card" product system was developed from the original "Three Cards" starting in 2005, enhancing the credit offerings to better meet the financial needs of farmers and herders [4][8]. - As of now, the Agricultural Bank has issued 460,300 "Four Card" loans, with a coverage and usage rate exceeding 95% [4]. Group 2: Impact on Local Communities - The implementation of the "Three Cards" policy has transformed rural areas, as evidenced by the case of a family in the Ali region who improved their livelihood through loans for purchasing equipment, leading to the establishment of a successful transportation business [2][3]. - The credit system has enabled local entrepreneurs, such as a carpet weaving master, to expand their businesses and create job opportunities for the community, demonstrating the positive socio-economic impact of financial support [5][6]. Group 3: Technological Integration and Future Plans - Since 2019, the Agricultural Bank of Tibet has restructured its credit system to incorporate digital technologies, enhancing efficiency and accuracy in credit assessments and loan disbursements [7]. - The bank plans to establish a bilingual remote service center by 2025, aiming to further improve accessibility to financial services for farmers and herders [7][8]. - The bank has also expanded its credit rating system to include more tiers, allowing for more precise and automated credit evaluations, which aligns with the unique needs of the Tibetan agricultural sector [8].

为推动数字西藏建设，2019年以来，该行全面重构更加科学、智能、便捷的信用体系，不断加强金融科 技建设，推动信用评价智能化、线上化，组建双语远程服务中心，充分释放信用体系在社会治理、民生 服务、产业发展等方面的叠加效应，2025年三农个人贷款突破400亿元人民币。 未来，农行西藏分行将持续巩固农牧区信用体系建设成果，将更多的金融"活水"引向乡村振兴重点领域 和薄弱环节，让信用真正成为带动农牧民增收致富的格桑花。(完) 西藏阿里地区札达县底雅乡民众拉巴顿珠一家正是这一政策的受益者，拉巴顿珠说，他们一家凭借"银 卡"从农行底雅营业所贷来的资金，购买了一辆二手拖拉机，为周边工地提供运输服务，成了家庭生活 变迁的转折点。近年，拉巴顿珠更是接过父亲的担子，成立了小型砂石厂和运输队，成为村里的致富带 头人。 2005年开始，在原有"三卡"基础上，农行西藏分行推出三级"钻石卡"，进一步丰富农户贷款产品体系。 又先后5次根据农牧区发展实际，提升"四卡"(钻石卡、金卡、银卡、铜卡)贷款额度。 与"四卡"相配套，农行西藏分行在全国范围内创造性开展县、乡(镇)、村三级信用体系创建工作，通 过"四卡信用身份证+三级信用创建"，逐步构 ...