“三措并举”优化农村支付环境

Core Viewpoint - The construction of rural payment environment is a crucial part of the comprehensive revitalization of rural areas, with the People's Bank of China (PBOC) in Anhui Province implementing measures to enhance rural payment infrastructure, empower rural production and life through digital intelligence, and optimize payment service processes [1] Group 1: Systematic Planning and Financial Infrastructure - The PBOC in Anhui is focusing on external policy coordination to enhance rural payment services, exemplified by the establishment of a "County Financial Management Service Mobile Working Group" in Huainan City to improve information flow between government departments [2] - The PBOC emphasizes precise management of rural payment service points, addressing issues related to their layout and service standards, and implementing a dynamic adjustment mechanism based on demand [3] Group 2: Talent Cultivation and Financial Services - The PBOC encourages rural banks to deploy financial assistants to better meet the differentiated financial needs of agriculture and rural areas, promoting financial literacy among villagers [4] Group 3: Digital Empowerment for Agriculture and Elderly Services - The PBOC is advancing payment services from merely supporting farmers' daily lives to enhancing agricultural production, with initiatives like the establishment of a financial cloud ecosystem to support agricultural reforms [5] - Efforts are being made to improve payment services for the elderly, including the implementation of projects that facilitate medical insurance payments and enhance financial service satisfaction among older adults [6] Group 4: Tourism and E-commerce Enhancement - The PBOC is leveraging its rich cultural and tourism resources to improve payment services in the tourism sector, achieving over 110,000 transactions in 2024 through initiatives like QR code payments on public transport [7] - The integration of e-commerce with rural payment services is being promoted, with financial support provided to merchants to enhance their engagement in e-commerce activities [8] Group 5: Service Process Optimization - The PBOC is upgrading account services to address the financial service gaps in rural areas, simplifying account opening procedures and providing on-site services to villagers [9] - A management application for rural payment service points has been developed to enhance the efficiency of service point management and optimize service layouts [10] Group 6: Deepening County-Level Promotion - The PBOC is actively conducting payment education campaigns in rural areas, utilizing various platforms to enhance financial literacy among the local population [11]