转自：经济日报 （来源：经济日报） 夕阳西下，作坊里的织机声渐渐稀疏。达娃央金小心地收好未完成的作品，将工具归置整齐。明天，这 些古老的木器又将继续编织泽帖尔的下一个千年故事。 清晨的阳光透过藏式木窗，洒在西藏自治区山南市乃东区民族哗叽手工编织专业合作社的作坊内。达娃 央金坐在传统木织机旁，手指轻柔地捻起一撮羊毛，对着阳光仔细端详，进行"泽帖尔"制作的第一道工 序——选毛。作为当地的精品羊毛手工艺品、西藏氆氇中的佳品，"泽帖尔"从选料到编织工序都十分讲 究。 泽帖尔编制技艺起源于西藏山南市泽当镇，"泽"是山南市泽当镇的简称，"帖"是藏语音译"帖玛"的简 称，意为毛哗叽，发源于公元641年，距今已有1300多年历史。2021年，毛纺织及擀制技艺（泽帖尔编 制技艺）入选第五批国家级非物质文化遗产扩展项目名录。 作坊里没有机器的轰鸣，静静回荡着织机规律的吱呀声，像是古老岁月的回响。达娃央金的双手布满老 茧，却异常灵巧。她将选好的羊毛轻轻铺在膝头的羊皮垫子上，用一把木质梳子反复梳理，直到羊毛变 得如云朵般蓬松柔软。"这一步急不得。"达娃央金低声说道，手中的活计却丝毫不慢。她捻线的姿势十 分独特——右手持纺锤，左手拇指 ...

Core Insights - The article highlights the significant role of the Agricultural Bank of China in supporting the economic and social development of Tibet over the past 60 years, particularly through financial services tailored to local needs [1][2][23] - It emphasizes the transformation of local industries, such as traditional Tibetan incense and handwoven wool products, facilitated by the bank's financial support [5][9][10] Financial Development in Tibet - The financial sector in Tibet began in 1951, with the establishment of the Agricultural Bank of Tibet in 1995 marking a pivotal moment in providing specialized financial services to rural areas [1][2] - Over the years, the Agricultural Bank has issued a total of 1.34 billion yuan in loans to local enterprises, significantly impacting their growth and sustainability [6] Case Studies of Local Enterprises - The success story of Youge Warehouse, a Tibetan incense company, illustrates how the Agricultural Bank provided initial funding of 3 million yuan, enabling the company to grow from a small workshop to a recognized brand with 18 million yuan in sales [4][5] - The establishment of the Ethnic Handicraft Cooperative in Shannan City showcases the bank's role in preserving traditional crafts, with ongoing financial support allowing the cooperative to thrive and provide stable employment for over 100 local residents [8][9] Innovative Financial Products - The introduction of the "Four Cards" loan product by the Agricultural Bank has addressed the challenges faced by farmers in obtaining credit without collateral, facilitating access to financial resources for many [11][12] - The bank's credit system has evolved, with a focus on building a robust credit framework that supports local communities and enhances their economic resilience [16][17] Community Impact - The Agricultural Bank's initiatives have led to significant improvements in local livelihoods, with reports of increased income for families benefiting from loans for businesses such as homestays and local crafts [14][15] - The bank's commitment to providing mobile financial services has expanded access to banking in remote areas, ensuring that financial support reaches those in need [20][22] Future Outlook - The Agricultural Bank aims to continue its mission of supporting Tibet's development through innovative financial solutions and community engagement, contributing to the region's economic prosperity [23]

Core Viewpoint - The article highlights the significant role of financial services in promoting rural revitalization in Tibet, showcasing the efforts of Agricultural Bank of China in providing accessible financial solutions to remote communities [1][12]. Group 1: Financial Services in Tibet - Agricultural Bank of China has implemented a "3+2 mobile financial service" model, with staff spending three days at the bank and two days in villages, serving over 150 days annually [2][12]. - The mobile financial service vehicles have facilitated the disbursement of loans amounting to 320 million yuan and the collection of personal deposits totaling 110 million yuan [2]. - A new "Comprehensive Agricultural Financial Service Station" was established to provide a range of services, including POS machines and ATMs, enhancing access to financial services for over 600 households [3][4]. Group 2: Impact on Local Industries - Financial support has revitalized traditional crafts and local industries, such as the "Zetier" wool weaving cooperative, which has created 127 stable jobs and significantly increased local employment [5][6]. - The cooperative received a tailored loan of 480,000 yuan to address its funding needs, enabling it to expand its operations and market reach [7]. - The article also discusses the development of a community-based homestay industry, where 85 out of 135 households are engaged in hospitality, generating substantial income through tourism [8][9]. Group 3: Financial Growth and Infrastructure - Agricultural Bank of China has significantly increased its agricultural loans, with a balance of 62.746 billion yuan as of June 2025, marking a growth of 15.701 billion yuan since 2021 [12]. - The bank's extensive network includes 5,528 "Jinsui Huinong Tong Service Points," ensuring 100% coverage in all towns, providing essential banking services to farmers and herders [12][13]. - The bank's proactive approach includes using mobile service vehicles to reach remote areas, conducting over 14,000 transactions in the first half of the year [13].

Core Insights - Financial services are extending into remote villages in Tibet, enhancing rural revitalization through systematic and professional approaches [1][2][3] - The "3+2 mobile financial service" model by Agricultural Bank of China (ABC) is effectively addressing the financial needs of local communities [2][3] - The establishment of comprehensive service stations is providing stable financial support and promoting financial literacy among residents [3][5] Financial Services Expansion - Mobile financial service vehicles are operational in high-altitude areas, providing essential banking services such as password resets, transfers, and loan applications [2][4] - ABC's mobile service vehicles operate over 150 days a year, with a total loan issuance of 320 million yuan and personal deposits of 110 million yuan last year [2][3] Community Impact - The establishment of the "Three Agricultural Financial Comprehensive Service Station" in Saigui Village serves over 600 households and promotes various financial services [3][9] - The service station includes features like POS machines and ATMs, enabling 24-hour self-service [3][5] Support for Local Industries - Financial support is revitalizing traditional crafts and local businesses, such as the "Zetier" wool weaving cooperative, which has received tailored financial solutions from ABC [6][7] - The cooperative has created 127 stable jobs and has received a loan of 480,000 yuan to address its funding needs [7] Tourism and Cultural Integration - The integration of financial services has boosted the local tourism industry, particularly in the "first village of Tibetan opera," where many households are engaged in hospitality [8][10] - ABC has issued over 10 million yuan in loans to support 111 families in the community, enhancing their operational capabilities [11] Financial Performance Metrics - As of June 2025, ABC's agricultural loan balance reached 62.746 billion yuan, with significant growth in key agricultural sectors [13] - The bank's extensive network covers over 95% of county-level institutions in Tibet, ensuring comprehensive financial service availability [13][15] Innovative Financial Solutions - ABC employs a "diamond-silver-copper" credit system to assess loan eligibility, enhancing the precision of financial services [15] - The bank's mobile service vehicles have conducted over 14,000 transactions this year, demonstrating a commitment to accessible financial services [14][15]

Core Insights - The article highlights the expansion of financial services in Tibet, particularly through mobile banking initiatives that aim to reach remote villages and support local economic development [1][2][3] Financial Services Expansion - Agricultural Bank of China has implemented a "3+2 mobile financial service" model, providing services in villages for over 150 days annually, with a total loan issuance of 320 million yuan and personal deposits of 110 million yuan last year [2][3] - The establishment of the "Three Agricultural Financial Comprehensive Service Station" in Saigui Village aims to provide a stable financial service platform, serving over 600 households and 1,800 people [3][4] Community Impact - The financial services have significantly improved access to banking for high-altitude communities, with the service station offering 24-hour self-service options and various financial education programs [4][5] - The "Zetier" cooperative, which produces traditional Tibetan textiles, has benefited from tailored financial solutions, receiving a loan of 480,000 yuan to support its operations and research projects [6][10] Economic Development - The article emphasizes the role of financial services in revitalizing traditional crafts and tourism, with the "Zetier" cooperative creating 127 stable jobs and generating significant income for local families [5][6] - The integration of financial services with local tourism, particularly in the "Zhashi Qudeng" community, has led to increased visitor engagement and economic growth through diverse business models [7][8] Financial Performance - Agricultural Bank of China's agricultural loan balance reached 62.746 billion yuan by June 2025, an increase of 15.701 billion yuan since the end of 2021, indicating a strong commitment to rural financial support [10][11] - The bank's extensive network covers over 95% of county-level institutions in Tibet, ensuring comprehensive financial service availability [11][12]

Core Viewpoint - The article highlights the rich cultural exchange and historical significance of the Shannan region in Tibet, emphasizing its role as a cradle of Tibetan culture and its connections with various civilizations throughout history [8][9][10]. Group 1: Cultural Significance - Shannan is recognized as the birthplace of Tibetan culture, housing the first palace, temple, and scripture in Tibet, which underscores its historical importance [9]. - The region's museum showcases artifacts that reflect the cultural exchanges between Tibet and other civilizations, such as the Dionysian gold and silver plate from ancient Greece and Sasanian silver coins, indicating trade along the "Highland Silk Road" [9][10]. Group 2: Economic and Trade Activities - The annual Yalong Commodity Exchange Fair serves as a significant platform for trade and cultural exchange, with a total transaction volume of approximately 700 million RMB last year [14]. - The fair facilitates the entry of products from neighboring countries into the Tibetan market, enhancing economic ties and cultural interactions [14]. Group 3: Non-Material Cultural Heritage - Shannan is home to a diverse array of non-material cultural heritage, with 310 representative inheritors and 394 projects, showcasing the region's rich cultural traditions [17]. - The local arts, such as Tibetan opera and traditional crafts, are gaining international recognition, with performances and products reaching foreign markets [17].