Non-cash settlement in the countryside is not “losing”

Yesterday, the People's Bank of China Zhongshan Central Branch (hereinafter referred to as Zhongshan People's Bank) held a ceremony to promote the rural payment service environment promotion meeting in Zhongshan City and the “Demonstration Point for the Construction of the Professional Market for Improving the Rural Payment Service Environment in Guangdong Province”. At the meeting, the Guangzhou Branch of the People's Bank of China issued the plaque of “Guangdong Province's Demonstration Point for Improving the Professional Market Construction of Rural Payment Service Environment” to Xiaolan Metal Materials Market. It is understood that this demonstration site is the first in Zhongshan and one of the first 10 demonstration sites in Guangdong Province.

Zhongshan People's Bank said that by 2012, efforts to improve rural non-cash payments in rural areas will increase by more than 20% from 2009.

[Payment status] Card consumption of 22.3 billion in the first nine months

The development of Zhongshan Modern Finance has directly improved the payment methods of urban and rural residents. According to statistics from Zhongshan People's Bank, as of September this year, Zhongshan's card consumption was 22.284 billion yuan, up more than 30% from the end of last year (the same below); 100,000 bank settlement accounts per unit, an increase of more than 10%; personal bank settlement account 14.8 million The number of households increased by 46.96%; the number of bank cards issued was 10.145 million, an increase of more than double (of which Hui Nong Carda was 936,100).

The payment method has also changed dramatically. In addition to the traditional bank transfer, bank card business and bill business, the e-distribution business that has emerged in recent years is also popular in the township. The promotion of telephone banking, online banking, and especially corporate online banking is one of the improvements in the payment service in the township. Big promotion factor.

[Basic environment]

100% of rural banking institutions achieve electronic payment

The basic environment of the payment service in the township has also undergone tremendous changes. It is understood that in order to improve the rural payment service environment, Zhongshan Rural Credit Cooperative is the first pilot unit to implement “data concentration” in the province. 1743 outlets are 100% connected to the payment system, and Zhongshan Rural Bank institutions are 100% realized. The electronic transfer method handles cross-bank payment business, and most of the agricultural subsidies are issued in non-cash manner, achieving the goal of “Guangdong Province Implementation Plan for Improving Rural Payment Service Environment (2010-2012)”.

In terms of improvement of other payment environments, the data of Zhongshan People's Bank showed that as of the end of September this year, the number of access points for large and small payment systems in rural areas in Zhongshan reached 314, accounting for 87.21% of the outlets in rural areas, an increase of 97.1% over the end of 2008; The number of access points in the national cheque image exchange system was 324, accounting for 82.86% of the rural outlets, up 5.54% from the beginning of the year; 1,500 ATMs were deployed, an increase of 87.5%; and pos machines were 13,800, an increase of 4.9 times.

[Three-year target] Non-cash payment in rural areas increased by 20%

However, from the perspective of urban-rural comparison, on the one hand, rural bank outlets and payment tools are lagging behind urban areas; on the other hand, farmers generally have doubts about non-cash payments, especially the safety of non-cash payments. To this end, Zhongshan People's Bank has set a three-year goal of improving the rural payment environment: 2011 and 2012 are “Improving the Year of Payment Service Environment Optimization in Rural Areas”. Based on the above achievements in 2010, the non-cash payment in rural areas will increase by more than 20% in 2012 over the next two years; in 2012, the non-cash settlement ratio of Xiaolan Metal Market will reach 90%, and telephone transfers will be opened. The number of merchants in online banking should be doubled; encourage and support the establishment of conditions for Zhongshan Xiaolan Village Bank to directly join the payment system; by 2011, establish and improve non-cash distribution channels for agriculture-related subsidies, and provide payment and settlement facilities for all agricultural subsidies; And vigorously promote farmers and migrant workers to master bank settlement accounts, non-cash payment settlement tools.

â– Case

Banks actively improve the rural payment environment

● City Rural Credit Cooperative: “Data Concentration”

In October 2009, the “Data Concentration” integrated business system of the rural credit cooperatives in the province was launched. The 207 business outlets of Zhongshan Rural Credit Cooperatives became the Tonghui Society. It is not necessary to go through the affiliates and credit unions to directly transfer funds. The original mode of slower and lower efficiency of the second-level exchange was changed, and the speed of remittance settlement was accelerated. As of the end of October 2010, the amount of payment settlement transactions has reached 1.83 million, which has exceeded the total for the whole year of 2009.

●ABC Zhongshan Branch: Telephone Banking Service “Three Rural Issues”

The penetration rate of fixed telephones and mobile phones in rural areas is already very high. Using this condition, ABC has combined its “Huinong Card” with telephone banking to promote farmers to conduct business by means of telephone banking self-service financial services. The telephone banking has realized many functions of the “three rural” services such as the inquiry of the Huinong card account, the small self-service loan of the farmer, and the account management.

● Wide distribution: building a community bank

The so-called "community bank" refers to the use of various types of non-cash self-service terminals to achieve self-service credit card payment, transfer, payment, inquiry and other functions, so that the public can handle the corresponding banking services, regardless of time and geographical restrictions, and make the banking service community.

At present, the “Community Bank” of Guangfa has two main products: a wall-mounted terminal placed in the community, its business contents include transfer, remittance, Hong Kong and China Gas, mobile, telecommunications, and Unicom recharge; the other is a portable mobile terminal. Suitable for mobile and flexible collections (such as logistics companies). Business includes collection, transfer, and recharge of telephone charges.
● Xiaolan Village Bank: Actively strive to join the payment system directly

As a new type of rural financial institution, Xiaolan Village Bank has joined the People's Bank of China's large-value payment system through Industrial Bank in June last year. In August, it joined the Guangzhou City Bond Exchange System. In October, it opened a cabinet with Industrial Bank. Interoperability business. Chen Canming, deputy governor of Xiaolan Village Bank, said that the bank is expected to issue bank cards by the end of the year.

â– Link

UnionPay data analysis

●The first October POS transaction was 19.8 billion

As of October, the city's total number of POS transactions was 22.2 million, an increase of 123% over the same period of the previous year, an increase of 23%; the cumulative transaction amount was 19.8 billion yuan, an increase of 144% over the same period of the previous year, an increase of 44%.

From the transaction situation, real estate wholesale merchant transactions reached 9.92 billion yuan, accounting for 50% of the total transactions; general retail merchant transactions reached 3.6 billion yuan, accounting for 18% of the total transactions, restaurants and entertainment, hotel-type merchants 1.38 billion yuan, Accounted for 7% of the total transaction.

● Nearly 7,000 UnionPay direct merchants

From the perspective of bank card acceptance environment construction, as of October, the number of UnionPay direct-linking merchants in the city has reached 6,994, of which 4,863 are traditional merchants; 2,131 are individual merchants. The cumulative number of terminals used for the operation was 11,818, of which 9,557 were traditional terminals; the number of individual terminals was 2,261.

From the perspective of regional distribution, there are 2,992 commercial households in the urban area (East, Shiji, Xi, and Nan), with 4,518 effective terminals, accounting for 38% of the total; 4,783 households in the township, 7255 effective terminals, accounting for the total terminal 62% of the number. The number of merchants in Xiaolan District (including Guzhen, Dongfeng and Dongsheng) has reached 1831, and the number of terminals has reached 2,640.

● UnionPay recognizes 37 professional markets

At present, the city has reported a total of 37 professional wholesale markets approved by the Provincial UnionPay, mainly distributed in Xiaolan, Guzhen, Sanxiang, Shaxi, Dayong and other characteristic towns, including the lighting market in Guzhen and the furniture market in Dayong. Enjoy a 0.8%, 25 yuan / pen capping fee discount for the town. At present, 507 merchants have been opened in the professional wholesale market, and 530 POS machines have been installed.

Fabric Sofa Bed

• The Fabric Sofa bed is easy assembly. Wic Kles fabric Sofa Bed comes with Installation instructions in the box. If need video Installation instruction or missing parts please don't hesitate to contact the Wic Kles customer support team.
• Wic Kles fabric sofa bed can be converted into a sofa or a twin bed simply. No matter you want to sit enjoy your leisure time or lying enjoy a restful nap time, this convertible sofa meets all your various needs, no need to worry about unexpected guests anymore.
• The industrial-style black metal legs provide more stable support for the entire fabric sofa bed. The core part is composed of high-supportive memory foam, serpentine springs, and a thickened metal frame, which prevents the small sofa from deforming when sitting for a long time. Maximum weight capacity up to 552 lbs.
• The modern fabric sofa bed features with simple and stylish design, perfectly fits your living room, dorm, apartment, bedroom or office with its compact size.

Fabric Sofa Bed,Foldable Sofa Beds,Versatile Sofa Bed,Living Room Sofa Bed

Kaifeng Lanwei Smart Home Co., Ltd , https://www.manualrecliner.com