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]

Core Insights - Postal Savings Bank of China in Ganzi Prefecture is integrating "technology finance, green finance, inclusive finance, pension finance, and digital finance" into the local cultural tourism industry, with nearly 30% of personal business loans directed towards this sector, amounting to nearly 40 million yuan in special loans for over 100 market entities [1][2] Group 1: Financial Innovations - The bank has established a three-tier credit system across 18 counties, creating 246 credit villages and assessing 7,124 credit users, facilitating 97.13 million yuan in inclusive loans with an average of 30,000 yuan per household [2] - A new "Cultural Tourism Industry Loan" product has been launched, allowing for credit up to 2 million yuan with flexible guarantees, addressing the financing challenges faced by light-asset tourism businesses [3] Group 2: Economic Impact - The bank's initiatives are aimed at enhancing the income channels for farmers and herders, with a focus on supporting the tourism sector as a means to protect Ganzi's tourism brand [4] - The "Li Gou·He Tang" hot spring complex project, funded with 5 million yuan, has transformed abandoned mineral resources into a high-end tourism service, benefiting 21 herders and creating a model for shared prosperity [3][4]