"You see, as long as there is a credit card card, you can withdraw money at any time." Yang Mingwen told reporters with 100 yuan from the POS: "In the past, only the days after the flight to the nearby rural credit cooperatives to withdraw money, Otherwise, you can only withdraw money from Jiuli Town, 20 kilometers away. It costs 18 yuan for the round-trip fare. Now you can withdraw money for only 1 yuan in front of your house. The procedures are quite convenient." Others The villagers who came to withdraw money also nodded frequently.
The withdrawal point is better than the "small bank"
Here is a rural credit cooperative to help farmers to withdraw money from the Sichuan Rural Payment and Settlement Project. In order to learn more about the operation and cash flow of the shops in the villages and villages, do a good job in the preliminary investigation of the service points. Xie Qiang, the president of the People’s Bank of China’s Emeishan Branch, has been here four times before. He told reporters: “Since the bank card helps farmers Since the opening of the withdrawal business in mid-July, the supermarket has several withdrawals every day, and each person can take up to 2 times a day, up to 500 yuan each time." "In addition to the small withdrawal business, farmers can also pass the rural letter. The company's credit card handles balance inquiry, transfer, small-scale agricultural loan self-payment, and consumer credit card and other financial services.†Wang Shiming, deputy director of Emeishan Rural Credit Cooperative, told reporters: “Small withdrawals of cash are from merchants. The advance payment is made to the withdrawal farmers, and then the farmers swipe the card to transfer the equal amount of funds directly to the merchant account.†He thinks that “Xuntong Engineering†is equivalent to opening a small bank specializing in “three ruralâ€, in the convenience of the people and reducing the credit union itself. Based on the safety pressure, the credit union will develop more new products suitable for the needs of “agriculture, rural areas and farmersâ€.
In another “Xuntong Project†in Yangang Village, Emeishan City – Agricultural Bank of China assisted the farmers to withdraw money from the service, Zhang Weidong, deputy governor of the Agricultural Bank of Emeishan Branch, told the reporter: “Promote the “Xuntong Project†and start helping farmers to withdraw money. Business, we rely on two legs to walk. First, with the help of the Ministry of Commerce Wancun Qianxiang project in the relevant villages and towns, under the guidance of the local People's Bank, establish the points needed for farmers. Second, rely on the place The two levels of village and town organizations, with the cooperation of local governments, will expand their coverage.†By the end of August, ABC had established 689 agricultural aid service points in the local area, covering all townships and villages in 83% of the townships. “By promoting the farmer's cash withdrawal service point, we have selected a batch of farmers who are suitable for issuing small amounts of agricultural loans, and have already initially bound deposits of 3 million yuan.†Zhang Weidong told reporters.
Solid research and then innovation
In order to solve the problem of relatively lagging payment and settlement infrastructure in rural areas in Sichuan, narrow coverage of financial institutions, and insufficient investment in financial self-service equipment, the Chengdu Branch of the People's Bank of China launched the “Shuntong Project†for rural payment settlement at the beginning of this year. By strengthening the construction of rural payment and clearing infrastructure, strengthening the marketing of rural bank settlement accounts, promoting non-cash payment tools and methods in an all-round way, expanding the rural bank card acceptance market, and realizing the full coverage of payment and clearing networks in appropriate and moderately rebuilt areas, Strengthen the publicity and training of payment settlement business and risk prevention knowledge in rural areas. It is planned to significantly improve the financial payment service environment in rural areas in Sichuan in three years, so that farmers can enjoy the convenience of modern financial services.
“The “Xuntong Project†is based on the extensive investigation and mapping work, and is carried out in accordance with the unified deployment of the Chengdu Branch of the People’s Bank of China.†Liu Qun, deputy governor of the Leshan City Center Branch of the People’s Bank of China, introduced the development of the Xuntong project to reporters. , and put out a “Leshan City Payment and Settlement Xuntong Project Survey Statistics Tableâ€, this table includes the number of rural financial outlets that arrive in 2 hours, the number of blank villages in financial institutions, the number of POS in rural areas, 27 projects including the total business volume of various non-cash payment instruments in rural areas, these important data laid the foundation for the comprehensive promotion of the project.
Since the “Xuntong Project†was launched in Leshan in May this year, the Leshan Branch of the People's Bank of China has effectively innovated the project through a series of innovations. The electronic commercial bills business and the bank card book business were regarded as key promotion projects, and the key contacts of their respective businesses were determined, and efforts were made to promote the application of new payment tools in rural areas. At the same time, with the bank card to help farmers with money withdrawal business as the starting point, Leshan City's "Xuntong Project" promotion work has achieved remarkable results. As of the end of June, the city has developed 932 agricultural aid withdrawal service points, and 75,164 withdrawals from the agricultural assistance and withdrawal business, with a withdrawal amount of 8,960,900 yuan. Based on the creation of the “Bank Card Swipe Accessibility Demonstration Zoneâ€, the Bank promoted the healthy and safe development of the bank card industry in rural areas. The rural areas in the city issued 271,000 debit cards and 74,000 credit cards, up 9.4% from the end of last year. 336.4%. The city launched ATM24, which increased by 13.6% compared with the end of last year. It has accumulated 200 ATMs, covering 46 townships, installing POS393 units, an increase of 53.9% compared with the end of last year, and installing telephone POS2385 units, an increase of 194.9% from the end of last year. There were 39 merchants, an increase of 3.2% from the end of last year.
Multi-party collection of firewood "people's heart project"
"It should be said that the promotion of 'Xuntong Project' not only facilitates the common people, but also enhances the local financial environment." Ren Liangsong, director of the Emeishan Municipal Government Financial Office, told reporters. He said that in the next step, the local government departments will continue to cooperate with the relevant work of the People's Bank of China on the basis of the achievements in the early stage of the project, form relevant policy systems, complete relevant supporting measures, and ensure the further promotion of the project.
"As a popular project, the promotion of 'Xuntong Project' has been actively supported by financial institutions, farmers and local governments." Li Qiang, president of the Leshan City Center Branch, told reporters. For financial institutions, “Xuntong Engineering†has established a platform for them to open to the rural market, and promoted the financial institutions’ small-scale agricultural loans, as well as the development of medical insurance and social security, which will promote the bank card industry in rural areas. Further development. For the farmers, the practical difficulties of the people in the financial network area are solved, so that they can enjoy low-cost financial services without leaving the village. For local governments, it is a powerful measure to improve the financial environment.
“The lack of financial network coverage and financial services has become an important reason for restricting the implementation of credit policies. The “Xuntong Project†platform can promote the implementation of credit policies in rural areas, the promotion of financial knowledge in rural areas, and financial services. In this regard, we will continue to base ourselves on people's livelihood, pool resources, and exert synergies to further promote the 'Xuntong Project'." Li Qiang told reporters. On the basis of guiding financial institutions to establish a sense of social responsibility, we must strengthen the coordination and integration of financial resources, promote the development of sound development and competition among financial institutions, strengthen cooperation with local governments, rely on relevant government departments, and play a good financial role.撬 Action. At the same time, the construction point of “Xuntong Project†is still an important outlet for promoting the promotion of the “three rural†credit policy and promoting the popularization of financial knowledge. The People's Bank of China will make full use of this platform, and through market-oriented methods, pragmatically promote and further strengthen the pertinence and effectiveness of the People's Bank of China in agriculture-related credit, agriculture-related financial services, etc., in order to achieve a benign interaction and mutual benefit of local economic and financial. Win the due force and do everything in its power.
Lianyi Village is a microcosm of the magnificent blueprint for the payment and settlement of Xuntong in rural areas of Sichuan. The reporter learned from the Chengdu Branch of the People's Bank of China that as of the end of June, the rural areas of Sichuan Province had developed 19,871 POS assistance and withdrawal services, an increase of 19,102 over the beginning of the year, a 26-fold increase. In the rural areas of Sichuan, ATM 5205 units were deployed, an increase of 14.95% from the end of the previous year, and 26,232 special merchants were developed, an increase of 22.5% from the end of the previous year. In rural areas of Sichuan, a total of 9.25 million online banking users, 2.51 million telephone banking users, and 2.09 million mobile banking users were established, up 54.8%, 27% and 3.95% respectively. The migrant workers' bank card featured service withdrawal transactions amounted to 770,000, amounting to 1.038 billion yuan, an increase of 35.65% and 30%, and the withdrawal transaction amount ranked the top three in the country.
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