摘要
普惠金融是为社会所有人特别是贫困和低收入群体提供金融服务的体系。大力推广银行卡助农取款服务,有利于完善农村金融服务体系,缓解金融排斥;有利于增强农民金融服务意识,提高农民使用先进支付工具的能力;有利于改善农村金融生态环境,促进金融服务的平民化、平等化。其对加强普惠金融体系的建设,填补农村金融服务空白具有重要意义。该服务推广以来,取得了较好的实效,但也存在不少发展瓶颈,如区域分布不均,各金融机构开展的程度不一,使用率不高等。究其原因,主要有推广基础薄弱、服务功能单一,以及农民用卡意识仍未形成,业务风险隐患较大等。要推进助农取款持续健康发展,应加强对服务点的资金扶持、丰富服务功能、加强风险防范能力建设,并着力加强宣传,提高农民用卡意识等。
Inclusive finance is the system which provides financial service for all society especially for the poor and low income groups. Vigorously promote the bank card Withdrawals POS,is conducive to the construction of inclusive financial system, alleviate the financial exclusion; is conducive to enhancing farmers’ financial service consciousness, improve the ability of farmers to use advanced means of payment; is conducive to the improvement of rural financial ecological environment, promote financial services more civilians and equality. It has important significance to strengthen the construction of inclusive financial system, to fill the gaps of rural financial services. Now this service had achieved good results, but there are also many development bottlenecks. Such as regional inequality, banks in different degree, the utilization rate is not high. Investigate its reason, mainly include the promotion foundation is weak, the service function is single, and the famers awareness of use card has not yet formed, the potential risks is still big. We should strengthen the financial support, enhance its functions, strengthen propaganda and risk prevention, improve farmers’ use card consciousness, to promote the sustainable development of the withdrawals POS service.
出处
《长春金融高等专科学校学报》
2015年第1期18-22,共5页
Journal of Changchun Finance College
关键词
银行卡
助农取款
普惠金融
bank card
withdrawals POS
inclusive finance
