Group 1 - The core idea of the articles revolves around the financial support provided by Postal Savings Bank in Ganzi Prefecture, which has revitalized local tourism and traditional crafts through innovative credit solutions [1][2] - The establishment of a credit system has enabled local entrepreneurs, like Abou, to transform traditional Tibetan houses into profitable "smart homestays" by securing loans without collateral, averaging 30,000 yuan per household [1] - The bank's "credit + guarantee" model addresses the "light asset" challenges in the tourism industry, facilitating collective entrepreneurship among herders and creating a sustainable business model that includes enterprise operation, collective dividends, and individual entrepreneurship [1] Group 2 - The transformation of a long-abandoned spring into a hot spring complex was made possible by a 5 million yuan loan from the Postal Savings Bank, which utilized a model based on project prospects, credit ratings, and collective guarantees [2] - Local villagers have benefited significantly from this project, with annual dividends reaching 48,000 yuan, surpassing previous agricultural and pastoral incomes [2] - The People's Bank of China in Ganzi Prefecture is actively working to improve the financing environment for private enterprises by enhancing government financing guarantee systems and optimizing risk-sharing mechanisms with financial institutions [2]