Core Insights - The People's Bank of China, Wuzhong Branch, focuses on enhancing financial services in rural areas, emphasizing the importance of serving the real economy, managing financial risks, and deepening financial reforms [1] Group 1: Accounting Process Optimization - The Wuzhong Branch has optimized the accounting processes for local banks, achieving over 95% online transaction rates for agricultural and small loans, significantly reducing time and costs [2] - The implementation of a comprehensive accounting system has improved the accuracy and compliance of financial operations, enhancing internal control management [2] - A cross-provincial emergency drill was conducted to test the continuity and emergency response capabilities of the accounting system, providing replicable practices for similar institutions [2] Group 2: Account Management Services - A unified centralized account management system has been launched, allowing businesses to handle account-related tasks online, thus reducing travel costs and improving the business environment [3] - The branch has processed 1,841 administrative account licenses and 5,943 enterprise account verifications, enhancing service efficiency [3] - Efforts to address issues such as account opening difficulties and unreasonable limits have been strengthened through dynamic inspections and regulatory visits [3] Group 3: Anti-Fraud and Anti-Drug Financial Management - The Wuzhong Branch has enhanced collaboration with law enforcement to combat fraud and drug-related financial activities, resulting in an 11% year-on-year decrease in reported fraudulent accounts [4] - The management of risk accounts has been improved, with 103,500 accounts under control and 42,380 accounts having their limits adjusted, preventing significant financial losses for victims [4] - Community outreach and public awareness campaigns have been conducted to educate the public on fraud prevention, reaching over 200,000 individuals [4] Group 4: Payment Service Infrastructure Improvement - The branch has established a rural payment work contact mechanism, leading to the setup of 913 cash withdrawal service points across 496 administrative villages, facilitating 754,000 transactions totaling 800 million yuan [5] - An irrigation water fee collection platform has been optimized, addressing payment and reconciliation challenges in 75 villages [5] - The branch has implemented elder-friendly services, including dedicated service areas and mobile payment applications tailored for seniors, improving accessibility [6]

银行账户管理服务提质增效 中国人民银行吴忠市分行成功组织上线运行全国统一集中账户管理系统，打通账户开立、变更、注 销线上办理通道，完成账户系统集约化升级，实现县域企业、银行"足不出镇"办理账户业务，降低县域 银行往返人民银行的时间与交通成本，营商环境得到进一步优化。推动辖区10家银行机构成功接入吴忠 市"一网通办"平台，与县域银行签订账户业务办理承诺书，约定开户许可证领取方式，依托全国统一集 中账户管理系统，创新"线上+邮寄"服务模式，业务办理时效显著提升。截至今年三季度末，该行累计 办理县域账户行政许可1841笔，完成企业账户核查5943笔，办理"个转企"业务1笔、电子营业执照开户 26笔。此外，中国人民银行吴忠市分行还通过交叉暗访、监管走访动态，解决开销户难、手续烦琐、限 额不合理等问题；强化农民工工资专户监管，整改账户名称错误与久悬账户问题；开展支付结算执法检 查，充分发挥"以查促建、以查促治"监管效能，服务监管更加精准有力。 近年来，中国人民银行吴忠市分行坚守以人民为中心的发展理念，锚定服务实体经济、防控金融风 险、深化金融改革三大核心任务，聚焦县域支付服务痛点难点，按照"法定职责不缺位、服务质效不下 ...