加快助农取款业务发展面临的问题及对策探析

The Problems and Countermeasures of Speeding up the Development of Agricultural Cash

银行卡助农取款服务让农民足不出村就能便利地支取各种涉农补贴等小额资金,对于促进城乡公共金融服务和谐发展、加快农村脱贫致富、推进新农村建设具有重要意义。当前在实施过程中也存在一些问题:一是助农取款业务的法律依据不够清晰;二是监管模式存在体制性缺陷;三是扶持机制方面缺乏全局性的制度安排;四是助农取款业务组织体系尚不健全;五是助农取款业务基础设施建设亟待提高。针对这些问题可以采取如下解决策略:一是加强银行卡助农取款相关法规制度建设;二是完善助农取款服务的监督管理机制;三是建立统一的农村地区支付环境建设政策扶持的长效机制;四是建设具有乡村特色的助农取款业务配套体系;五是加快助农取款业务基础设施建设。

The bank card ATM services to help farmers to allow farmers to foot the village can not easily withdraw all kinds of agricultural subsidies and other small funds, to promote the harmonious development of urban and rural public financial services to accelerate rural poverty, plays an important role in promoting the construction of new countryside. In the current implementation process also has some problems： one is the legal basis to help farmers teller business is not clear; the two is the regulation mode has the defects in the system; the three is to support the mechanism of the lack of global institutional arrangements; four is to help farmers teller business organization system is not perfect; the five is to help farmers withdrawals business infrastructure needs to be improved. To solve these problems, we can adopt the following strategies： one is to strengthen the bank card to help farmers teller related laws and regulations construction; two is the perfect supervision and management mechanism to help farmers teller service; three is the long-term mechanism to establish a unified rural area payment environment policy support; four is to help farmers withdrawals business supporting system construction of the rural characteristics of the; the five is to accelerate the construction of infrastructure to help farmers withdrawals business.