银行卡助农取款服务多赢模式探索——以梧州辖区为视角

The Win-win Mode of Bank Cards Assisting Farmers in Withdrawing Money

银行卡助农取款是通过银行卡收单机构在农村乡镇、村的指定合作商户服务点布放银行卡受理终端,向借记卡持卡人提供小额取款和余额查询的业务。人行总行2011年提出要求在2013年底前实现银行卡助农取款服务在全国范围内农村乡镇、行政村的基本覆盖目标。2011年梧州辖区农行梧州分行倾力推进惠农卡助农取款业务,2012年邮政储蓄银行梧州分行申请开办绿卡助农取款业务,目前梧州辖区覆盖率达到了58%,服务网点行政村覆盖率在广西排名第一。现结合梧州辖区推广情况,就银行卡助农取款如何在实现政府、农户、收单机构之间实现"多赢"进行如下探索。

The People＇ s Bank of China has a target project in 2011, which is bank cards assisting farmers in with- drawing money by POS device should basically cover countryside and village before 2013. Now in Wuzhou, this project is covered over 50% areas, but it is hard to make a further step. Combining the current situation in Wuzhou, we put for- ward to a win-win mode among government, framers and POS device company for this project.