Central Bank: deepening the Construction of Rural payment Service Environment

According to the website of the people's Bank of China, recently, the people's Bank of China issued the guidance of the people's Bank of China on comprehensively deepening the construction of rural payment service environment (hereinafter referred to as "opinions"). The person in charge of the relevant departments of the central bank said that deepening the construction of the rural payment service environment, unblocking rural payment and settlement channels, and accelerating capital turnover will play a very positive role in promoting the reform and upgrading of financial services in rural areas and villages, and then promoting the development of agriculture, rural areas and farmers.

The deepening opinion is divided into ten parts. The first part is the guiding ideology. The second part is the basic principles, that is, demand-oriented, measures to local conditions, enrich the main body, encourage innovation, risk control, pilot first, policy support, inclusive development. The third part clearly relies on the bank card to help farmers to withdraw money to promote the construction of comprehensive payment services for farmers, and puts forward guiding requirements for comprehensive payment services for farmers from the perspectives of new business types, transaction quota management, order collection organization management, service point management, charging mechanism, efficient use of service point financing sources, etc. The fourth part proposes to optimize the characteristic service of migrant workers' bank card, and puts forward some suggestions on how to adjust the transaction limit and charges of this service. The fifth part and the sixth part reiterate the guiding requirements for the basic work in rural areas, such as payment service subjects, settlement accounts, payment instruments and methods, payment settlement system and so on. The seventh part puts forward some suggestions on the policy support to improve the rural payment service environment, and requires to improve the working mechanism and improve the policy support system. The eighth part re-emphasizes the risk management requirements of rural payment services. The ninth part proposes to strengthen the construction of long-term mechanism of rural payment publicity and training, especially to explore the propaganda role of agricultural withdrawal service network. The tenth part puts forward the specific work requirements for the implementation of this opinion.

The people's Bank of China said that it adheres to the principle of "three modernizations" to guide relevant institutions to participate in the construction of rural payment service environment.

The first is diversification. Encourage and support banking institutions, clearing institutions, payment institutions and other payment service providers to participate in the construction of rural payment service environment and jointly participate in the construction of urban-rural integration in our country.

The second is marketization. Adhere to the principle of market-oriented to promote the construction of rural payment environment. Promote service pricing, qualifications, business model, business cooperation and other aspects through the market mechanism to determine. Insisting on marketization does not mean giving up administrative guidance completely. Practice has proved that administrative departments act on their own initiative, appropriately and appropriately, and give policy support and guidance, which plays a positive and significant role in promoting and ensuring.

The third is electronic. The development practice of payment service at home and abroad has proved that electronization is a significant development direction of payment service industry. Use electronic information technology to provide payment services, overcome the constraints of time and space, and provide customers with low-cost and convenient services. The physical network of banks in rural areas is relatively insufficient, and the advantages of electronic payment are more prominent.

On the one hand, the "deepening opinions" urge and guide major agriculture-related financial institutions, such as the Agricultural Bank of China, the Postal savings Bank of China, and agricultural credit cooperatives, to make full use of their advantages in the establishment of outlets, the cultivation of customer groups, and the establishment of social awareness, and continue to play a major role in the construction of rural payment service environment.