Core Viewpoint - The article highlights the significant economic and social development in Tibet over the past 60 years, particularly since the 18th National Congress of the Communist Party of China, emphasizing the role of financial institutions in supporting this growth [2][3]. Financial Support and Infrastructure Development - Financial institutions have played a crucial role in supporting major infrastructure projects in Tibet, such as the construction of the "Heavenly Road" and the Sichuan-Tibet Railway, providing substantial loans to facilitate these developments [5][6][7]. - The postal savings bank has issued loans totaling 6.071 billion yuan to support the Sichuan-Tibet Railway construction, reflecting the growing financial needs associated with major projects in the region [6]. - The construction of the Sichuan-Tibet Railway and other significant projects has led to an increase in trade value from 6.93 million yuan in 1965 to an average of 10 billion yuan annually [8]. Industry Growth and Financial Innovation - The banking sector has introduced various financial products tailored to local industries, such as "Cangsu Loan" for tourism and "Cangxiang Loan" for traditional Tibetan incense production, significantly boosting local businesses [9][10][11]. - The Agricultural Bank of China has provided 1.34 billion yuan in loans to a Tibetan incense company, which has seen annual sales reach 20 million yuan, showcasing the impact of financial support on local industries [10]. Environmental Protection and Green Finance - Financial institutions are actively involved in promoting green finance initiatives, such as the construction of renewable energy projects, which are essential for maintaining the ecological balance of the Tibetan Plateau [13][14][16]. - The Postal Savings Bank has developed financing solutions for a wind-solar-storage project, which is expected to save 200,000 tons of standard coal annually, highlighting the commitment to sustainable development [13]. Social Welfare and Financial Accessibility - Financial services have been extended to remote areas through mobile service units, ensuring that local communities have access to necessary financial products and support [17][19][20]. - The Agricultural Bank of China has established numerous financial service points and mobile units to cater to the needs of farmers and herders, enhancing their ability to secure loans and improve their livelihoods [19][20].

Core Viewpoint - The innovative "Yak Industry Loan" introduced by the rural credit cooperative in Xiahe County aims to solve financing difficulties through livestock collateral, thereby activating the entire value chain of the yak industry and injecting strong momentum into rural revitalization [1][2]. Group 1: Financial Innovation and Support - Xiahe County Credit Cooperative has issued a total of 3,679 yak-related loans amounting to 310 million yuan, and 10 "livestock collateral loans" totaling 4.95 million yuan [1]. - The cooperative has established a model of "enterprise + cooperative + base," nurturing two leading enterprises and over 20 specialized cooperatives, forming a billion-yuan yak industry cluster [1][2]. - The cooperative's focus on "supporting agriculture, small businesses, and micro-enterprises" has led to the creation of specialized financial products tailored to the yak industry, enhancing the financial support for local farmers [2][3]. Group 2: Industry Development and Employment - The yak industry has been positioned as a key driver for poverty alleviation, with the cooperative's support enabling over a hundred impoverished households to achieve an average income increase of 200,000 yuan [1][2]. - The introduction of the "livestock collateral loan" has allowed local ranchers to secure higher credit limits, facilitating the expansion of their operations and increasing the value of each yak by 30% [6]. - The cooperative has successfully supported the establishment of multiple agricultural cooperatives, leading to a comprehensive development model that includes breeding, processing, and marketing [4][7]. Group 3: Technological Integration and Market Expansion - The integration of technology such as IoT monitoring systems and blockchain traceability has improved yak breeding efficiency by 15% [7]. - The cooperative has facilitated the production of high-value processed products, with sales increasing by 210% after entering online platforms [7]. - The yak industry has contributed to a total output value exceeding 800 million yuan, with a year-on-year growth of 16%, creating 600 jobs and raising the average income of farmers to 48,000 yuan [7][8]. Group 4: Future Plans and Goals - The cooperative plans to invest an additional 100 million yuan to support small and micro enterprises, cooperatives, and large-scale ranchers, aiming for standardized upgrades in the livestock industry [8]. - The focus will also be on the deep integration of "digital finance + smart pastures," extending the yak industry into high-value areas such as deep processing and cultural tourism [8].