人民银行菏泽市分行“三链协同”纵深推进助农取款服务高质量发展

Core Viewpoint - The People's Bank of China in Heze is enhancing the quality and efficiency of rural cash withdrawal services through a collaborative approach focusing on responsibility, service, and regulatory chains, aiming for high-quality development in rural financial services [1] Group 1: Strengthening Responsibility Chain - The bank has issued a formal document to standardize the management of rural cash withdrawal service points, establishing a three-tier management system and incorporating service point management into key assessment indicators [2] - A selection activity for exemplary service points has been conducted, resulting in the identification of 21 premium service points and 6 typical cases, promoting best practices in transaction activity, innovation, and risk management [2] - Direct guidance has been provided at 14 service points through on-site research and training sessions, addressing management issues and enhancing operational standards [2] Group 2: Enhancing Service Chain - All 1,515 service points have undergone standardization upgrades, with 103 points upgraded from Class III to Class II and 289 from Class II to Class I, while 1,069 ineffective points have been phased out [3] - Unique service models have been introduced to meet diverse rural needs, including customized agricultural services and social security service circles [3] - The "Service Point +" model has been implemented, allowing 1,370 service points to offer government services, 232 to connect with e-commerce platforms, and 528 to facilitate utility payments, significantly enhancing service capabilities [3] Group 3: Strengthening Regulatory Chain - A comprehensive regulatory framework has been established covering the entire lifecycle of service points, with a focus on risk management and compliance [5] - Regular inspections are being conducted to ensure adherence to standards, with issues identified being promptly addressed [5] - The bank has utilized risk monitoring systems to identify and manage 546 risk alerts throughout the year, ensuring thorough follow-up and resolution of all alerts [5]