齐鲁晚报·齐鲁壹点 李可 通讯员 闫宁宁 任凯 近日，为进一步提升菏泽市助农取款服务质效，中国人民银行菏泽市分行聚焦责任链、服务链、监管 链"三链协同"，全面强化助农取款服务点（以下简称"服务点"）管理体系建设，推动辖区服务点以组织 建设为保障、以群众满意为目标、以稳健风控为底线，实现高质量发展。 拧紧责任链，夯实组织部署基石 三是加载多元服务功能。创新"服务点 +"模式，推动1370个服务点加载政务功能，可办理养老认证、补 贴查询等业务；232个服务点对接电商平台，助力农产品销售结算；528个服务点支持水电、通讯等便民 缴费，综合服务能力显著增强。此外，指导各行组建246支移动服务队，赴各乡村开展巡回服务和定点 上门服务3000余次，有效填补乡村基础金融服务空白。 四是深化金融知识普及。指导设点行依托"金融夜校"等载体开展活动1500余场，协同村委开展针对性宣 传，发放宣传资料18万余份，有效提升农村居民金融素养和风险防范意识。 一是完善制度保障。该分行以正式文件形式印发《关于进一步规范助农取款服务点管理工作的实施方 案》，明确年度工作目标与具体措施。同时，推动设点行建立23个服务点管理办法和13个应急预案 ...

Core Insights - The articles highlight the innovative financial services being implemented in rural areas of Huizhou, Guangdong, particularly focusing on the elderly population and enhancing access to financial knowledge and services [1][2] Group 1: Financial Services Innovation - Agricultural Bank's financial specialists are actively engaging with rural residents to provide financial services and educate them on preventing telecom fraud [1] - The People's Bank of China Huizhou Branch has established a three-party coordination mechanism involving civil affairs departments, village committees, and commercial banks to ensure financial services meet villagers' needs [2] Group 2: Accessibility and Convenience - The introduction of mobile payment services has made financial transactions more accessible, with all townships in Huizhou meeting mobile payment application standards [2] - The establishment of local service points for cash withdrawals and mobile payment options in small shops has significantly improved convenience for villagers, reducing the need to travel long distances to bank branches [1] Group 3: Policy Implementation and Support - The Huizhou Branch has launched action plans to support rural revitalization and high-quality development, facilitating one-on-one financing connections for local industries [2] - Recent financing events have helped small and micro enterprises better understand available financial products and policies, addressing their specific needs [2]

Core Insights - The article highlights the integration of financial services and medical insurance in rural areas, significantly improving accessibility and convenience for residents [1][2][3] Group 1: Financial and Medical Service Integration - The People's Bank of China in Liaocheng has implemented a "Financial + Medical Insurance" model to enhance rural financial services and improve the quality of life for residents [1][2] - By June 2023, Liaocheng established 2,204 standardized rural service points, covering 93% of administrative villages, with over 80% offering comprehensive payment functions [1][2] - The integration allows over 2 million rural residents to access financial and medical insurance services without leaving their villages [1][2] Group 2: Standardization and Training - A standardized service list at rural service points includes small withdrawals, transfers, medical insurance registration, and utility bill payments, making services clear and accessible [2] - The People's Bank of China has developed a standardization plan for rural service points, focusing on unified signage, service lists, training, and management [2] - A dual-track selection mechanism has been established to recruit 110 qualified financial service personnel, ensuring a standardized service team [2] Group 3: Innovative Service Delivery - The collaboration between local banks and medical insurance bureaus has led to the establishment of grassroots medical insurance workstations, facilitating real-time data synchronization for residents [3] - The "online authorization + offline service" model allows residents to handle multiple high-frequency medical insurance tasks conveniently at service points [3] - Each workstation processes an average of over 20 financial transactions and 5 to 8 medical insurance transactions daily, addressing service accessibility issues in rural areas [3] Group 4: Continuous Improvement Mechanism - A closed-loop mechanism for training, assessment, and feedback has been established to ensure sustainable service quality [4] - Regular training sessions and assessments for service personnel are conducted to maintain high service standards [4] - Since 2025, service points in the region have processed over 12,000 financial transactions and 100 medical insurance transactions, benefiting approximately 30,000 residents [4] Group 5: Future Directions - The People's Bank of China in Liaocheng aims to continue enhancing inclusive financial services, focusing on comprehensive, intelligent, and ecological service transformations for rural areas [5]