"In the past, I have to take out the cash and take it home, carefully wrap the money, put it in the close, and worry about it all the time. I am afraid that the money will be lost. Now that there is a bank outlet in the village, you can rest assured. Going home to withdraw money is safe and convenient." Zhang Bing, a farmer from Jieshou Town, Gaoyou City, who works in Shanghai, is used to using bank cards. "I am used to swiping cards now. I bought a mobile phone in the county shopping mall during the National Day and also participated in the 'Swipe Card Draw' activity." Talking about the feelings of credit card consumption, Zhang Bing said: "I feel very trendy."
Nowadays, more and more farmers, like Zhang Bing, have changed the tradition of taking money from the three-tiered three-layer purse and handcuffs in the past with modern payment methods. These things are becoming more and more common in rural areas.
For a long time, the settlement instruments in rural areas in China are relatively single. Cash payment is the main payment method in rural areas. Non-cash payment instruments are basically “uselessâ€, which has affected the pace of rural financial development and new rural construction to some extent. In 2008, the People's Bank of China Nanjing Branch took the lead in implementing the “Quick Pass Project†for payment settlement in rural areas, aiming to create a highway with rural capital flows. Today, this has changed farmers' payment habits and increased the diversity of farmers' payment methods. Sex.
Tangzao Village in Hai'an County is a well-known vegetable planting base. In the past, during the harvest season, the farmer's agent Wang Yonghong had to arrange two or three people to go to the town bank three kilometers away to collect the money. At most, you need to withdraw more than 300,000 yuan in cash, and you must make an appointment with the bank one or two days in advance. After the implementation of the "Quick Pass Project", Wang Yonghong can transfer the money to the card of the villagers as long as the account is transferred by Shang Yitong. The “Huinong Card†of the Agricultural Bank of China, the “Easy Loan†of the Rural Credit Cooperatives, and the “Commercial Easy Pass†of the postal savings have all entered the countryside.
Jiangsu's county-level banking outlets have 1.36 per 10,000 people (Digital Jiangsu)
The reporter learned from the Nanjing Branch of the People's Bank of China that as of the end of the second quarter of this year, there were 5,879 bank outlets in the county area, and the number of bank outlets per 10,000 people in the county was 1.36. At the same time, bank outlets have achieved full coverage of townships across the province.
The application of bank cards has been popularized. The number of debit cards issued by the county in the province is 12,697,300, the number of credit cards issued is 9,923,300, the number of ATMs is 13,200, and the number of POS is 79,800. (Phone POS) deployment amounted to 354,200 units; self-service equipment (including ATM, self-service banking) township coverage rate reached 98.34%, pos equipment deployment township coverage rate reached 90.5%. It greatly facilitates migrant workers to pay for loans from different places.
At the same time, the number of bank settlement accounts in the county and county areas reached 12,600 at the end of the second quarter of 2011, an increase of 7.5% over the beginning of the year; the number of “one card†and “one fold†accounts for subsidies granted to farmers. It was 22.94 million households, an increase of 2.09% over the beginning of the year, which effectively ensured the safe operation of state subsidy funds and further improved the efficiency of providing financial services to farmers.
The relevant person in charge of the Nanjing Branch of the People's Bank of China said that the “Quickcom Project†has become a brand project of the financial system of the province and even the whole country. On the expressway of “Quickcom Projectâ€, the outlets of financial institutions, self-service machines and various clearing systems are “road networksâ€. The payment methods such as bank cards, checks and money orders are “vehiclesâ€, farmers, farmers’ brokers, Township enterprises and so on are "passengers." Just as private cars are becoming more and more popular, farmers will be more and more convenient to swipe their cards.
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