導語：如何(he)才能寫好一篇如何(he)辦理(li)新(xin)農保，這就(jiu)需要搜集整理(li)更多(duo)的資(zi)料和文獻(xian)，歡迎閱讀(du)由公務員之家整理(li)的十(shi)篇范文，供你借鑒。

篇1

黨的(de)(de)(de)(de)(de)十七大對(dui)新(xin)(xin)農(nong)(nong)(nong)村(cun)(cun)建(jian)設和加強農(nong)(nong)(nong)村(cun)(cun)衛(wei)生(sheng)服務網(wang)絡提出(chu)了(le)要求,新(xin)(xin)農(nong)(nong)(nong)村(cun)(cun)建(jian)設是(shi)(shi)一個系統工程(cheng),涵蓋(gai)了(le)生(sheng)產生(sheng)活(huo)和社(she)會發展(zhan)(zhan)的(de)(de)(de)(de)(de)各個方面,農(nong)(nong)(nong)村(cun)(cun)醫(yi)(yi)療(liao)衛(wei)生(sheng)事業的(de)(de)(de)(de)(de)建(jian)設與(yu)發展(zhan)(zhan)是(shi)(shi)新(xin)(xin)農(nong)(nong)(nong)村(cun)(cun)建(jian)設的(de)(de)(de)(de)(de)重要內容。作為(wei)最早試點推(tui)行新(xin)(xin)型農(nong)(nong)(nong)村(cun)(cun)合作醫(yi)(yi)療(liao)制度(du)(以下簡稱“新(xin)(xin)農(nong)(nong)(nong)合制度(du)”)的(de)(de)(de)(de)(de)東部(bu)省(sheng)份(fen)之一,河(he)北(bei)省(sheng)以原(yuan)有的(de)(de)(de)(de)(de)農(nong)(nong)(nong)村(cun)(cun)合作醫(yi)(yi)療(liao)制度(du)為(wei)模板,建(jian)立起了(le)一套成功(gong)的(de)(de)(de)(de)(de)合作醫(yi)(yi)療(liao)體系,在(zai)農(nong)(nong)(nong)民中(zhong)間顯然(ran)受到(dao)了(le)普遍的(de)(de)(de)(de)(de)歡迎,但(dan)不(bu)可否認的(de)(de)(de)(de)(de)是(shi)(shi)其運行過程(cheng)中(zhong)也存(cun)在(zai)著(zhu)一些明顯的(de)(de)(de)(de)(de)弊端和不(bu)足之處(chu),這些問(wen)(wen)題必須及時加以糾正和解決,才(cai)能(neng)更好的(de)(de)(de)(de)(de)促(cu)進新(xin)(xin)農(nong)(nong)(nong)合制度(du)的(de)(de)(de)(de)(de)良性運轉。為(wei)更全面的(de)(de)(de)(de)(de)認識新(xin)(xin)農(nong)(nong)(nong)合制度(du)的(de)(de)(de)(de)(de)現狀及存(cun)在(zai)問(wen)(wen)題,筆者于2009年7―9月對(dui)河(he)北(bei)省(sheng)保定市部(bu)分地區新(xin)(xin)農(nong)(nong)(nong)合制度(du)實施(shi)情況進行了(le)問(wen)(wen)卷(juan)結合訪談調查,以便探討新(xin)(xin)農(nong)(nong)(nong)合制度(du)及其可持(chi)續發展(zhan)(zhan)的(de)(de)(de)(de)(de)有關問(wen)(wen)題。

一、調查結果分析

(一)對新型農村(cun)合作醫療保(bao)險制度的認(ren)知情況和了解(jie)途徑

河北省是實施新農合試點工作較早的省份,新農合已基本覆蓋了所有農村村民(有些在外打工的農民除外),但參加新農合的農民對新農合制度的認識水平較低。調查顯示,已參加新型農村合作醫療的農民看病就醫有了基本的保障,農民的參保積極性一直呈上升趨勢。但許多農民對新農合政策內容認知水平較低,對于報銷程序也認識不清,對起付線、報銷封頂線、各級醫院報銷比例等關系切身利益的規定,僅有17.5%的參合人員表示非常了解或比較了解。不少農民對如何辦理住院(yuan)手續以(yi)及定點醫院(yuan)轉診、報銷(xiao)等程序更是不了解,直接影響了參合農民的正常(chang)就醫和(he)受惠程度。

農民對于新型農村醫療合作制度的了解,多來自于電視廣播等媒體,占到被調查人群的57.7%,由村干部上門宣傳的占到24.8%,其中年輕人多是通過網絡詳細了解,而年紀較大的中老年人多是通過傳統渠道比如村干部上門宣傳來了解新農合。

(二(er))參(can)加(jia)新型(xing)農村(cun)醫療合作的情況(kuang)與(yu)欠缺方面

被調查(cha)人群中,97.6%的(de)(de)農(nong)民(min)表示愿意(yi)明年繼續(xu)參合(he),農(nong)民(min)認為新(xin)農(nong)合(he)這(zhe)項(xiang)制度好,感受到(dao)了(le)切實(shi)(shi)的(de)(de)利益。河北省實(shi)(shi)施(shi)新(xin)農(nong)合(he)這(zhe)幾年來(lai),報(bao)銷(xiao)比例和范(fan)圍逐(zhu)年調整,報(bao)銷(xiao)的(de)(de)藥物目錄已全部納入政府價格管理范(fan)圍,報(bao)銷(xiao)程序(xu)(xu)也在(zai)逐(zhu)步完善中,但是(shi)(shi)(shi)對于(yu)農(nong)民(min)來(lai)說,有的(de)(de)時候(hou)報(bao)銷(xiao)程序(xu)(xu)仍(reng)顯(xian)繁瑣。首(shou)先是(shi)(shi)(shi)農(nong)民(min)對于(yu)報(bao)銷(xiao)程序(xu)(xu)的(de)(de)不了(le)解,不清楚報(bao)銷(xiao)范(fan)圍,更不清楚應該需(xu)要哪些憑證才能(neng)報(bao)銷(xiao),其次是(shi)(shi)(shi)定(ding)點醫院與(yu)上一級醫院之間的(de)(de)手(shou)續(xu)轉接(jie)問(wen)題沒(mei)有得到(dao)很好的(de)(de)解決,再次就是(shi)(shi)(shi)報(bao)銷(xiao)程序(xu)(xu)的(de)(de)經辦人員沒(mei)有把工作做到(dao)位,公共服務方面有所欠缺。

二、對新(xin)型農村醫療合作制度的評價和建(jian)議(yi)

(一)對新型農(nong)村醫療合作(zuo)制度的評價

被調查人(ren)群中(zhong),關于新(xin)農(nong)合(he)(he)(he)的(de)(de)(de)(de)(de)總體評價(jia),有(you)58.4%的(de)(de)(de)(de)(de)人(ren)認為(wei)非常滿意(yi)(yi),18.2%的(de)(de)(de)(de)(de)人(ren)表示(shi)(shi)不(bu)(bu)是(shi)很(hen)清(qing)楚,另外有(you)20%以(yi)上的(de)(de)(de)(de)(de)人(ren)表示(shi)(shi)不(bu)(bu)是(shi)很(hen)滿意(yi)(yi)。從(cong)回收問(wen)(wen)卷中(zhong)的(de)(de)(de)(de)(de)其它問(wen)(wen)題(ti)來看,農(nong)民(min)對新(xin)農(nong)合(he)(he)(he)的(de)(de)(de)(de)(de)不(bu)(bu)滿意(yi)(yi)主要集中(zhong)在認為(wei)轉診的(de)(de)(de)(de)(de)手續和(he)制度(du)(du)比較繁瑣,合(he)(he)(he)作醫(yi)療(liao)并不(bu)(bu)能(neng)完全(quan)解除看大病的(de)(de)(de)(de)(de)后顧之(zhi)憂,定(ding)(ding)點(dian)醫(yi)院(yuan)(yuan)(yuan)(yuan)的(de)(de)(de)(de)(de)醫(yi)療(liao)和(he)服務(wu)(wu)水(shui)平令人(ren)不(bu)(bu)滿意(yi)(yi)等方面,參加新(xin)農(nong)合(he)(he)(he)的(de)(de)(de)(de)(de)農(nong)民(min),主要是(shi)在定(ding)(ding)點(dian)醫(yi)院(yuan)(yuan)(yuan)(yuan)看病。但定(ding)(ding)點(dian)醫(yi)院(yuan)(yuan)(yuan)(yuan)藥(yao)價(jia)高(gao)、服務(wu)(wu)差的(de)(de)(de)(de)(de)情況(kuang)很(hen)普遍,使農(nong)民(min)滿意(yi)(yi)度(du)(du)很(hen)低。調查發現,近(jin)六成的(de)(de)(de)(de)(de)參合(he)(he)(he)農(nong)民(min)反映(ying)定(ding)(ding)點(dian)醫(yi)院(yuan)(yuan)(yuan)(yuan)醫(yi)藥(yao)價(jia)格(ge)偏高(gao)。與非定(ding)(ding)點(dian)醫(yi)院(yuan)(yuan)(yuan)(yuan)相比,定(ding)(ding)點(dian)醫(yi)院(yuan)(yuan)(yuan)(yuan)在醫(yi)療(liao)水(shui)平、服務(wu)(wu)態度(du)(du)、就醫(yi)便利性方面,并未得到參合(he)(he)(he)農(nong)民(min)的(de)(de)(de)(de)(de)全(quan)面肯定(ding)(ding)。

(二)對新型農村醫(yi)療合作制度的建議

在實際參(can)合模式方面,60.3%的(de)(de)人更(geng)偏好“保大病”,并希望能夠定期(qi)安排體檢(jian),從(cong)經濟學(xue)角度講,定期(qi)體檢(jian)可以起到防患于未(wei)然的(de)(de)作用,從(cong)長期(qi)來(lai)看是(shi)有利于新(xin)型農村合作醫療制度的(de)(de)發展(zhan)和(he)運行的(de)(de)。

在(zai)資(zi)金(jin)(jin)管理方面,70%以上的人(ren)并不清楚資(zi)金(jin)(jin)的運作情況(kuang),許(xu)多(duo)農民認(ren)為資(zi)金(jin)(jin)管理應該(gai)交由政府管理運作而非委(wei)托基金(jin)(jin)公司或其他私人(ren)機(ji)構(gou)。

三、完善新農村合作(zuo)醫療(liao)制度(du)的對策

(一)進一步深化宣傳

重點是(shi)(shi)具(ju)體政(zheng)策(ce)的(de)深(shen)化宣傳(chuan)(chuan)工作,采取多種方(fang)式,如利用宣傳(chuan)(chuan)月、咨詢電話等各(ge)種方(fang)式廣泛宣傳(chuan)(chuan)。必須注意(yi)(yi)的(de)是(shi)(shi),要有(you)針(zhen)對性地(di)突出(chu)重點宣傳(chuan)(chuan),尤其是(shi)(shi)要注意(yi)(yi)對報銷程序、比例、惠及面、入、出(chu)、轉院辦理等各(ge)個方(fang)面的(de)具(ju)體政(zheng)策(ce)的(de)宣傳(chuan)(chuan)解釋(shi)。可將相關政(zheng)策(ce)、程序以“明(ming)白紙”的(de)方(fang)式發放到(dao)農戶家中。

(二)建(jian)立(li)健全與新(xin)型農村合(he)作醫(yi)療制(zhi)度相配套的農村醫(yi)療衛生(sheng)服(fu)務體(ti)系

合(he)理調整農(nong)村定點醫(yi)院(yuan)布(bu)局,加(jia)強對定點醫(yi)療(liao)機構的監(jian)督與監(jian)管,調節醫(yi)患關系,規(gui)范服(fu)務行為,提高(gao)服(fu)務質量,增加(jia)農(nong)民對醫(yi)院(yuan)的信任度。進一步完善新(xin)農(nong)合(he)基本(ben)用(yong)藥(yao)目錄,要求臨床醫(yi)生(sheng)熟練掌握用(yong)藥(yao)目錄,做(zuo)到用(yong)藥(yao)合(he)理、經濟,履行用(yong)藥(yao)告(gao)知義(yi)務,以使群眾(zhong)對醫(yi)療(liao)狀況(kuang)知情。

(三)進一步簡化(hua)報(bao)銷手續(xu),提(ti)高保障水平,確保農民(min)參合積極(ji)性

篇2

一、發展現狀

（一）惠農點的建立分布及推進情(qing)況

玉溪市(shi)(shi)全(quan)轄八縣(xian)一區，設74個(ge)(ge)鄉鎮（街(jie)道），700個(ge)(ge)行(xing)政(zheng)村(cun)，6171個(ge)(ge)自(zi)然村(cun)。總(zong)人(ren)(ren)口(kou)(kou)214萬(wan)余(yu)人(ren)(ren)，其中(zhong)農(nong)(nong)業人(ren)(ren)口(kou)(kou)170萬(wan)人(ren)(ren)，占總(zong)人(ren)(ren)口(kou)(kou)的79.44%。74個(ge)(ge)鄉鎮已全(quan)部實現金(jin)融機構網(wang)點全(quan)覆蓋(gai)。2009年(nian)(nian)以來，人(ren)(ren)行(xing)玉溪中(zhong)支(zhi)把切實解決玉溪轄內(nei)農(nong)(nong)村(cun)金(jin)融服(fu)務(wu)缺(que)失和不完(wan)善問題作(zuo)為一項重點工(gong)作(zuo)來抓。2011年(nian)(nian)11月(yue)在(zai)通(tong)海縣(xian)10個(ge)(ge)自(zi)然村(cun)首批試點推出了(le)惠(hui)農(nong)(nong)支(zhi)付服(fu)務(wu)業務(wu)。2012年(nian)(nian)7月(yue)在(zai)全(quan)市(shi)(shi)正式啟(qi)動惠(hui)農(nong)(nong)支(zhi)付服(fu)務(wu)業務(wu)的推廣運用(yong)，發展惠(hui)農(nong)(nong)商戶252個(ge)(ge)。2013年(nian)(nian)按照(zhao)上級行(xing)部署(shu)，即圍繞(rao)有需求行(xing)政(zheng)村(cun)實現基(ji)本覆蓋(gai)的工(gong)作(zuo)目標(biao)，加大推廣力度，新增惠(hui)農(nong)(nong)商戶323個(ge)(ge)。截至2013年(nian)(nian)末(mo)，玉溪市(shi)(shi)累計建成585個(ge)(ge)惠(hui)農(nong)(nong)點，惠(hui)及全(quan)市(shi)(shi)八縣(xian)一區的71個(ge)(ge)鄉鎮（街(jie)道）、464個(ge)(ge)行(xing)政(zheng)村(cun)、585個(ge)(ge)自(zi)然村(cun)，服(fu)務(wu)136.96萬(wan)農(nong)(nong)村(cun)群眾。具體分(fen)布情況見下(xia)表。

從表(biao)中數(shu)據(ju)可看出，轄(xia)內除新平、元江覆(fu)蓋(gai)(gai)率(lv)分別為(wei)86%和77%外，其他地區(qu)覆(fu)蓋(gai)(gai)率(lv)均為(wei)100%，已(yi)實現基本覆(fu)蓋(gai)(gai)。目前玉溪市已(yi)建立的(de)惠(hui)農點大部分集中在村委會或集市所在地，惠(hui)農點在全市有需求行(xing)政村的(de)覆(fu)蓋(gai)(gai)比例已(yi)達(da)94%以(yi)上，相比兩年前，農村群(qun)眾“足不出村”能(neng)(neng)取款、能(neng)(neng)匯款的(de)概念已(yi)逐步深入民心(xin)。

（二）惠農支付(fu)業務的發展情(qing)況

截至2013年(nian)(nian)末(mo)，玉(yu)溪(xi)市(shi)(shi)585個惠(hui)農點共(gong)發生消費業(ye)(ye)務(wu)5138筆(bi)(bi)，金(jin)(jin)額(e)423.13萬(wan)(wan)(wan)元(yuan)；取款業(ye)(ye)務(wu)89197筆(bi)(bi)，金(jin)(jin)額(e)3830.32萬(wan)(wan)(wan)元(yuan)；繳(jiao)費業(ye)(ye)務(wu)173213筆(bi)(bi)，金(jin)(jin)額(e)582.17萬(wan)(wan)(wan)元(yuan)；轉(zhuan)賬業(ye)(ye)務(wu)52737筆(bi)(bi)，金(jin)(jin)額(e)4300.73萬(wan)(wan)(wan)元(yuan)；辦理(li)查詢業(ye)(ye)務(wu)308904筆(bi)(bi)。累計(ji)辦理(li)交(jiao)易業(ye)(ye)務(wu)320285筆(bi)(bi)，交(jiao)易金(jin)(jin)額(e)9137.35萬(wan)(wan)(wan)元(yuan)，平均每個惠(hui)農點發生交(jiao)易業(ye)(ye)務(wu)547筆(bi)(bi)，金(jin)(jin)額(e)15.61萬(wan)(wan)(wan)元(yuan)。從全省2013年(nian)(nian)12月公布的(de)惠(hui)農支付統計(ji)數據(ju)來看，玉(yu)溪(xi)市(shi)(shi)惠(hui)農支付服務(wu)業(ye)(ye)務(wu)呈(cheng)現以下特(te)點。

1.整體運行(xing)態勢良好。從整體來看，查詢(xun)交易(yi)筆(bi)數(shu)占(zhan)(zhan)(zhan)總(zong)業務(wu)筆(bi)數(shu)的(de)(de)49%，取(qu)(qu)款(kuan)交易(yi)清(qing)(qing)(qing)算(suan)金(jin)額(e)(e)(e)占(zhan)(zhan)(zhan)總(zong)清(qing)(qing)(qing)算(suan)金(jin)額(e)(e)(e)的(de)(de)42%，非(fei)(fei)取(qu)(qu)款(kuan)交易(yi)清(qing)(qing)(qing)算(suan)金(jin)額(e)(e)(e)占(zhan)(zhan)(zhan)總(zong)清(qing)(qing)(qing)算(suan)金(jin)額(e)(e)(e)的(de)(de)58%。可見，惠農(nong)支付(fu)服務(wu)業務(wu)的(de)(de)開通，滿足了(le)(le)農(nong)村群(qun)眾(zhong)可以隨時隨地查詢(xun)銀(yin)行(xing)卡余額(e)(e)(e)的(de)(de)需(xu)求，反映了(le)(le)民眾(zhong)在惠農(nong)支付(fu)業務(wu)開通初期(qi)的(de)(de)欲試心理；特(te)別是非(fei)(fei)取(qu)(qu)款(kuan)交易(yi)清(qing)(qing)(qing)算(suan)金(jin)額(e)(e)(e)占(zhan)(zhan)(zhan)比(bi)(bi)超過(guo)取(qu)(qu)款(kuan)交易(yi)清(qing)(qing)(qing)算(suan)金(jin)額(e)(e)(e)占(zhan)(zhan)(zhan)比(bi)(bi)，表明農(nong)村地區群(qun)眾(zhong)需(xu)要(yao)的(de)(de)不再是單一(yi)的(de)(de)現金(jin)業務(wu)，非(fei)(fei)現金(jin)業務(wu)需(xu)求進一(yi)步增加。

2.業(ye)(ye)務(wu)(wu)(wu)發展各具(ju)特色(se)。從個體來看，惠(hui)農(nong)(nong)(nong)(nong)點的(de)(de)(de)(de)業(ye)(ye)務(wu)(wu)(wu)各具(ju)特色(se)，不(bu)同的(de)(de)(de)(de)惠(hui)農(nong)(nong)(nong)(nong)點由于所處的(de)(de)(de)(de)地理位置不(bu)同、經濟狀況(kuang)不(bu)同、主(zhu)營業(ye)(ye)務(wu)(wu)(wu)不(bu)同，開展的(de)(de)(de)(de)惠(hui)農(nong)(nong)(nong)(nong)支(zhi)付服務(wu)(wu)(wu)業(ye)(ye)務(wu)(wu)(wu)存在差異。有(you)的(de)(de)(de)(de)以(yi)取款(kuan)業(ye)(ye)務(wu)(wu)(wu)為(wei)主(zhu)，有(you)的(de)(de)(de)(de)以(yi)查詢業(ye)(ye)務(wu)(wu)(wu)為(wei)主(zhu)，有(you)的(de)(de)(de)(de)以(yi)轉賬業(ye)(ye)務(wu)(wu)(wu)為(wei)主(zhu)，有(you)的(de)(de)(de)(de)以(yi)繳費業(ye)(ye)務(wu)(wu)(wu)為(wei)主(zhu)。惠(hui)農(nong)(nong)(nong)(nong)支(zhi)付服務(wu)(wu)(wu)業(ye)(ye)務(wu)(wu)(wu)是一項長期的(de)(de)(de)(de)惠(hui)民(min)工(gong)程(cheng)，農(nong)(nong)(nong)(nong)村群眾對(dui)新業(ye)(ye)務(wu)(wu)(wu)的(de)(de)(de)(de)接受和(he)認可需要(yao)一個過(guo)程(cheng)，惠(hui)農(nong)(nong)(nong)(nong)支(zhi)付服務(wu)(wu)(wu)業(ye)(ye)務(wu)(wu)(wu)量短期內難以(yi)有(you)大幅(fu)增長，只有(you)經過(guo)一段時間(jian)的(de)(de)(de)(de)運行（一般是三個月左(zuo)右(you)），業(ye)(ye)務(wu)(wu)(wu)量才會有(you)明顯增長，真正(zheng)體現出其惠(hui)農(nong)(nong)(nong)(nong)實質。

3.惠(hui)(hui)農(nong)(nong)作用(yong)日益顯現(xian)(xian)。從玉溪市2013年1至(zhi)12月(yue)統(tong)計(ji)數(shu)據來看(kan)，全(quan)市交易筆(bi)數(shu)、交易金(jin)(jin)額(e)逐月(yue)上升，分別(bie)從1月(yue)份1.57萬(wan)筆(bi)393.07萬(wan)元上升至(zhi)12月(yue)份3.14萬(wan)筆(bi)1230.8萬(wan)元。說明惠(hui)(hui)農(nong)(nong)支付服(fu)務(wu)業(ye)務(wu)開(kai)通后，農(nong)(nong)村地(di)區(qu)銀(yin)行(xing)卡市場(chang)硬環(huan)境(jing)和(he)軟(ruan)環(huan)境(jing)得到(dao)了(le)有效改善，持卡人(ren)手(shou)中的(de)銀(yin)行(xing)卡不(bu)再“沉睡”，變(bian)得活(huo)起來，廣大農(nong)(nong)民群(qun)眾體(ti)驗到(dao)了(le)銀(yin)行(xing)卡的(de)安全(quan)性(xing)、便利性(xing)，會用(yong)、愛用(yong)銀(yin)行(xing)卡，大大改善了(le)農(nong)(nong)村地(di)區(qu)銀(yin)行(xing)卡市場(chang)受理環(huan)境(jing)，滿足了(le)農(nong)(nong)村群(qun)眾金(jin)(jin)融(rong)服(fu)務(wu)多(duo)樣性(xing)需求(qiu)(qiu)。惠(hui)(hui)農(nong)(nong)支付服(fu)務(wu)業(ye)務(wu)通過(guo)與(yu)烤煙、蔬(shu)菜(cai)、花卉、甘蔗(zhe)、水果等農(nong)(nong)副產(chan)品收購非現(xian)(xian)金(jin)(jin)結(jie)算相(xiang)結(jie)合(he)，與(yu)新農(nong)(nong)保、老黨(dang)員補助(zhu)、復退轉軍人(ren)補助(zhu)、困(kun)難居民補助(zhu)、農(nong)(nong)林牧(mu)漁補助(zhu)、家電下(xia)鄉補貼等非現(xian)(xian)金(jin)(jin)兌(dui)付相(xiang)結(jie)合(he)，不(bu)僅解決了(le)農(nong)(nong)村群(qun)眾金(jin)(jin)融(rong)服(fu)務(wu)的(de)多(duo)樣化需求(qiu)(qiu)，而且提升人(ren)民銀(yin)行(xing)、金(jin)(jin)融(rong)機構和(he)政府部門的(de)影響力，促(cu)進了(le)地(di)方(fang)經濟發展和(he)社會穩定。

4.銀(yin)(yin)行網(wang)(wang)點柜臺壓力得(de)到(dao)有效(xiao)緩(huan)解(jie)。隨著惠(hui)農(nong)(nong)支(zhi)付(fu)服(fu)務(wu)業務(wu)持(chi)續發(fa)展(zhan)，農(nong)(nong)村地區銀(yin)(yin)行卡(ka)(ka)(ka)的(de)發(fa)卡(ka)(ka)(ka)量和用卡(ka)(ka)(ka)量均明顯加大(da)，農(nong)(nong)民(min)用卡(ka)(ka)(ka)意識明顯提高，大(da)大(da)分流了涉(she)農(nong)(nong)金(jin)融機構的(de)小額取現業務(wu)，緩(huan)解(jie)了銀(yin)(yin)行柜面(mian)業務(wu)壓力。回訪中，筆者專門(men)對惠(hui)農(nong)(nong)支(zhi)付(fu)業務(wu)開展(zhan)得(de)較好的(de)三(san)個(ge)惠(hui)農(nong)(nong)點附近(jin)銀(yin)(yin)行機構網(wang)(wang)點進行了實(shi)地走訪，就(jiu)(jiu)惠(hui)農(nong)(nong)支(zhi)付(fu)服(fu)務(wu)業務(wu)開通(tong)后銀(yin)(yin)行網(wang)(wang)點柜面(mian)業務(wu)有何變(bian)化開展(zhan)調研(yan)。據峨山(shan)縣塔(ta)(ta)甸鎮(zhen)塔(ta)(ta)甸信用分社(she)普思華主(zhu)任介紹，“以(yi)前每(mei)到(dao)政(zheng)府發(fa)放涉(she)農(nong)(nong)補貼的(de)時候，營(ying)業大(da)廳(ting)就(jiu)(jiu)擠得(de)水泄不(bu)通(tong)，信用社(she)四(si)個(ge)營(ying)業窗口全部(bu)打開，營(ying)業大(da)廳(ting)擁堵的(de)狀況要持(chi)續4至5天，每(mei)天工(gong)作人員(yuan)付(fu)出(chu)的(de)艱辛就(jiu)(jiu)不(bu)用說了。自(zi)(zi)從塔(ta)(ta)甸村宏(hong)芬農(nong)(nong)家店開通(tong)惠(hui)農(nong)(nong)支(zhi)付(fu)業務(wu)后，我們的(de)柜面(mian)壓力感覺輕(qing)松(song)多了。”普主(zhu)任以(yi)及來自(zi)(zi)其他兩個(ge)銀(yin)(yin)行網(wang)(wang)點負責人的(de)感受從下表中也可以(yi)得(de)到(dao)佐證。

5.業(ye)務發(fa)(fa)展(zhan)(zhan)不(bu)均衡。從2011年(nian)(nian)試點(dian)開(kai)(kai)(kai)(kai)通至(zhi)2013年(nian)(nian)12月(yue)全市已運行(xing)的惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)業(ye)務統計(ji)情況(kuang)來(lai)看，玉(yu)溪(xi)市585個(ge)惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)中(zhong)業(ye)務發(fa)(fa)展(zhan)(zhan)基本正常有(you)493個(ge)，占(zhan)發(fa)(fa)展(zhan)(zhan)總數84%；業(ye)務發(fa)(fa)展(zhan)(zhan)不(bu)正常或未達到預(yu)期效果有(you)92個(ge)，占(zhan)16%，其中(zhong)，有(you)60個(ge)惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)的業(ye)務交易(yi)量很少，在10筆以下，處在業(ye)務開(kai)(kai)(kai)(kai)通測試初期，占(zhan)發(fa)(fa)展(zhan)(zhan)總數10%，有(you)32個(ge)惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)自開(kai)(kai)(kai)(kai)通以來(lai)未發(fa)(fa)生業(ye)務，占(zhan)發(fa)(fa)展(zhan)(zhan)總數5%。對于(yu)業(ye)務開(kai)(kai)(kai)(kai)展(zhan)(zhan)不(bu)理想或與選點(dian)預(yu)期有(you)差(cha)距的部分惠(hui)(hui)農(nong)(nong)(nong)(nong)商(shang)戶(hu)，人(ren)行(xing)玉(yu)溪(xi)中(zhong)支(zhi)成立巡察組(zu)進行(xing)專(zhuan)項回訪，主要反映出(chu)以下幾方面原因：一是部分惠(hui)(hui)農(nong)(nong)(nong)(nong)商(shang)戶(hu)經營(ying)(ying)人(ren)員(yuan)發(fa)(fa)生變化，致(zhi)使業(ye)務開(kai)(kai)(kai)(kai)展(zhan)(zhan)不(bu)適應。如部分惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)申辦時由(you)家(jia)庭成員(yuan)中(zhong)兒子、媳婦經營(ying)(ying)，后兒子、媳婦外出(chu)打工(gong)將(jiang)惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)交由(you)老(lao)人(ren)和未成年(nian)(nian)人(ren)經營(ying)(ying)；二是部分惠(hui)(hui)農(nong)(nong)(nong)(nong)商(shang)戶(hu)的群眾基礎(chu)或鄰里關系較(jiao)差(cha)，影(ying)響著惠(hui)(hui)農(nong)(nong)(nong)(nong)業(ye)務的有(you)效開(kai)(kai)(kai)(kai)展(zhan)(zhan)；三是部分惠(hui)(hui)農(nong)(nong)(nong)(nong)商(shang)戶(hu)因受支(zhi)付服(fu)務利益與預(yu)期差(cha)距大而將(jiang)主要精(jing)力用于(yu)其他經營(ying)(ying)，導致(zhi)惠(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付服(fu)務工(gong)作未能正常開(kai)(kai)(kai)(kai)展(zhan)(zhan)。

二(er)、存在(zai)問(wen)題及困難(nan)

（一）政府(fu)主導推進力度不夠，相關(guan)政策扶(fu)持(chi)機制(zhi)難落實(shi)

一是政(zheng)(zheng)(zheng)(zheng)府(fu)主導作(zuo)(zuo)(zuo)用不(bu)足。農村(cun)地區支付(fu)(fu)服務環境(jing)(jing)建(jian)設(she)(she)是一項(xiang)長期、艱(jian)巨、復雜的(de)(de)系統工(gong)程，涉及(ji)面廣、環節多(duo)、任(ren)務重，需要調動(dong)社會各(ge)(ge)方(fang)(fang)面的(de)(de)力(li)量，需要政(zheng)(zheng)(zheng)(zheng)府(fu)在協調各(ge)(ge)方(fang)(fang)力(li)量等方(fang)(fang)面發揮(hui)權威作(zuo)(zuo)(zuo)用。目前(qian)玉溪市政(zheng)(zheng)(zheng)(zheng)府(fu)雖已成(cheng)立(li)金融(rong)辦(ban)，負責改(gai)善全市農村(cun)地區支付(fu)(fu)服務環境(jing)(jing)建(jian)設(she)(she)工(gong)作(zuo)(zuo)(zuo)，但(dan)各(ge)(ge)項(xiang)工(gong)作(zuo)(zuo)(zuo)還處于起步階段(duan)，未發揮(hui)有效的(de)(de)推動(dong)作(zuo)(zuo)(zuo)用。二是部門(men)聯動(dong)效應不(bu)夠(gou)。改(gai)善農村(cun)支付(fu)(fu)服務環境(jing)(jing)涉及(ji)到政(zheng)(zheng)(zheng)(zheng)府(fu)、農業、金融(rong)、稅務、財政(zheng)(zheng)(zheng)(zheng)、公(gong)安等多(duo)個(ge)(ge)職能部門(men)的(de)(de)工(gong)作(zuo)(zuo)(zuo)，必須協調各(ge)(ge)方(fang)(fang)、左(zuo)右聯動(dong)，充分挖掘政(zheng)(zheng)(zheng)(zheng)策(ce)融(rong)合(he)點，任(ren)何(he)一個(ge)(ge)部門(men)單打獨斗都很(hen)難(nan)(nan)取(qu)得成(cheng)效。三是相(xiang)關的(de)(de)政(zheng)(zheng)(zheng)(zheng)策(ce)扶持(chi)機(ji)制(zhi)難(nan)(nan)于落實。農村(cun)支付(fu)(fu)工(gong)作(zuo)(zuo)(zuo)只有按照“城鄉有別、改(gai)善結(jie)構”的(de)(de)原則，在多(duo)方(fang)(fang)共(gong)同努力(li)下，才能建(jian)立(li)持(chi)續、長效的(de)(de)政(zheng)(zheng)(zheng)(zheng)策(ce)扶持(chi)機(ji)制(zhi)。可(ke)以(yi)(yi)說，在農村(cun)設(she)(she)置網點或(huo)投放農村(cun)支付(fu)(fu)基礎設(she)(she)施，如果缺少政(zheng)(zheng)(zheng)(zheng)府(fu)主導協調或(huo)者稅務稅收減免(mian)以(yi)(yi)及(ji)財政(zheng)(zheng)(zheng)(zheng)補貼政(zheng)(zheng)(zheng)(zheng)策(ce)等，就難(nan)(nan)以(yi)(yi)調動(dong)參與方(fang)(fang)的(de)(de)積極性。

（二）農村(cun)老年(nian)人對(dui)惠農支付(fu)服務(wu)(wu)業務(wu)(wu)的較(jiao)強需(xu)求與現實狀況矛盾突出

隨著(zhu)(zhu)政府(fu)各(ge)種惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)政策的(de)(de)實(shi)施，目(mu)前(qian)農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)對(dui)金(jin)(jin)(jin)融(rong)服(fu)務(wu)的(de)(de)需求也(ye)在(zai)(zai)逐年(nian)增強(qiang)，60歲以上老(lao)(lao)(lao)(lao)齡補(bu)(bu)(bu)助(zhu)、農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)黨員補(bu)(bu)(bu)助(zhu)、農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)低保、養老(lao)(lao)(lao)(lao)保險等各(ge)種補(bu)(bu)(bu)貼(tie)項目(mu)按(an)期(qi)發放，使(shi)得農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)對(dui)金(jin)(jin)(jin)融(rong)服(fu)務(wu)需求與日(ri)俱(ju)增。具(ju)有云南特色的(de)(de)惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付服(fu)務(wu)業(ye)(ye)(ye)務(wu)廣泛推(tui)廣后，已成為破解鄉、村金(jin)(jin)(jin)融(rong)服(fu)務(wu)缺失問題的(de)(de)有力手段。但是(shi)，從(cong)目(mu)前(qian)玉溪已建立的(de)(de)585個惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)業(ye)(ye)(ye)務(wu)量(liang)來看(kan)，部分(fen)(fen)惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)業(ye)(ye)(ye)務(wu)開展未(wei)達到選點(dian)預期(qi)（當地享(xiang)受(shou)國家涉(she)(she)農(nong)(nong)(nong)(nong)補(bu)(bu)(bu)貼(tie)人(ren)(ren)(ren)(ren)口(kou)密度大，距離(li)金(jin)(jin)(jin)融(rong)機構網點(dian)路(lu)途較遠），業(ye)(ye)(ye)務(wu)量(liang)很少。主(zhu)(zhu)要(yao)(yao)原(yuan)因是(shi)農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)有折(zhe)(zhe)無卡(ka)的(de)(de)現狀給惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付服(fu)務(wu)業(ye)(ye)(ye)務(wu)的(de)(de)推(tui)廣帶(dai)來困難。出(chu)現有折(zhe)(zhe)無卡(ka)主(zhu)(zhu)要(yao)(yao)有兩方面(mian)(mian)原(yuan)因：一(yi)方面(mian)(mian)，目(mu)前(qian)轄區所有涉(she)(she)農(nong)(nong)(nong)(nong)補(bu)(bu)(bu)貼(tie)仍以存(cun)(cun)(cun)折(zhe)(zhe)形式(shi)發放，而(er)且還是(shi)一(yi)種涉(she)(she)農(nong)(nong)(nong)(nong)補(bu)(bu)(bu)貼(tie)對(dui)應一(yi)個存(cun)(cun)(cun)折(zhe)(zhe)。據涉(she)(she)農(nong)(nong)(nong)(nong)金(jin)(jin)(jin)融(rong)機構反映，主(zhu)(zhu)要(yao)(yao)是(shi)政府(fu)部門在(zai)(zai)發放國家涉(she)(she)農(nong)(nong)(nong)(nong)補(bu)(bu)(bu)貼(tie)款(kuan)項時為區別補(bu)(bu)(bu)貼(tie)資金(jin)(jin)(jin)要(yao)(yao)求銀行機構分(fen)(fen)類單獨(du)開立存(cun)(cun)(cun)折(zhe)(zhe)。據調研，農(nong)(nong)(nong)(nong)村60歲以上老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)手中(zhong)至少擁(yong)有2個以上國家涉(she)(she)農(nong)(nong)(nong)(nong)補(bu)(bu)(bu)貼(tie)存(cun)(cun)(cun)折(zhe)(zhe)（養老(lao)(lao)(lao)(lao)金(jin)(jin)(jin)發放補(bu)(bu)(bu)貼(tie)存(cun)(cun)(cun)折(zhe)(zhe)和糧(liang)食補(bu)(bu)(bu)貼(tie)存(cun)(cun)(cun)折(zhe)(zhe)），多的(de)(de)達4至5個存(cun)(cun)(cun)折(zhe)(zhe)，而(er)老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)拿著(zhu)(zhu)這些存(cun)(cun)(cun)折(zhe)(zhe)又不(bu)能在(zai)(zai)惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)辦理業(ye)(ye)(ye)務(wu)。另一(yi)方面(mian)(mian)，農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)使(shi)用銀行卡(ka)的(de)(de)積極性也(ye)不(bu)高。應該說(shuo)人(ren)(ren)(ren)(ren)民銀行大力推(tui)廣設立惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)宗旨在(zai)(zai)于惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付業(ye)(ye)(ye)務(wu)具(ju)備方便、快捷、小額(e)、就近的(de)(de)優勢，在(zai)(zai)農(nong)(nong)(nong)(nong)村更貼(tie)近老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)的(de)(de)需求。但與此形成矛盾的(de)(de)是(shi)，目(mu)前(qian)大多數農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)對(dui)銀行卡(ka)不(bu)會用、不(bu)敢用，普遍存(cun)(cun)(cun)在(zai)(zai)記不(bu)住密碼的(de)(de)情況，對(dui)存(cun)(cun)(cun)折(zhe)(zhe)的(de)(de)依賴(lai)性很強(qiang)，必須看(kan)到自(zi)己的(de)(de)錢打印顯示(shi)在(zai)(zai)存(cun)(cun)(cun)折(zhe)(zhe)上心(xin)理才踏(ta)實(shi)，導致目(mu)前(qian)農(nong)(nong)(nong)(nong)村老(lao)(lao)(lao)(lao)年(nian)人(ren)(ren)(ren)(ren)這一(yi)最需要(yao)(yao)得到服(fu)務(wu)的(de)(de)群體無法從(cong)惠(hui)(hui)(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付服(fu)務(wu)中(zhong)受(shou)益。

（三(san)）偏遠農村地區選點(dian)難(nan)，運行維(wei)護成本高

目前，轄區(qu)還剩近6%的(de)(de)行(xing)(xing)政村(cun)(cun)未實現(xian)惠(hui)農(nong)(nong)(nong)(nong)點(dian)基本覆蓋，與實現(xian)全(quan)覆蓋相(xiang)比(bi)還有(you)(you)一(yi)(yi)定差距，主要是(shi)新(xin)平(ping)縣、元江縣向偏遠(yuan)農(nong)(nong)(nong)(nong)村(cun)(cun)地(di)(di)區(qu)發(fa)展(zhan)惠(hui)農(nong)(nong)(nong)(nong)商戶難度很大。具(ju)體(ti)原(yuan)因(yin)：一(yi)(yi)是(shi)隨著農(nong)(nong)(nong)(nong)村(cun)(cun)勞(lao)動力(li)的(de)(de)自(zi)(zi)然轉移，許多農(nong)(nong)(nong)(nong)村(cun)(cun)地(di)(di)區(qu)出(chu)現(xian)了“空巢”現(xian)象(xiang)，長期(qi)生活居住的(de)(de)大都為(wei)老人(ren)和兒童(tong)，這些地(di)(di)區(qu)推廣應用新(xin)型支(zhi)(zhi)付工具(ju)非常難，尤其是(shi)自(zi)(zi)然村(cun)(cun)一(yi)(yi)級更是(shi)找不到(dao)(dao)信譽好、有(you)(you)一(yi)(yi)定經(jing)營(ying)實力(li)的(de)(de)商戶作為(wei)惠(hui)農(nong)(nong)(nong)(nong)支(zhi)(zhi)付服務點(dian)。二(er)是(shi)偏遠(yuan)農(nong)(nong)(nong)(nong)村(cun)(cun)地(di)(di)區(qu)人(ren)員(yuan)(yuan)素(su)質相(xiang)對(dui)偏低，對(dui)POS機具(ju)的(de)(de)操作水(shui)平(ping)有(you)(you)限(xian)，難以(yi)(yi)滿足惠(hui)農(nong)(nong)(nong)(nong)業務的(de)(de)開展(zhan)需(xu)求。三是(shi)由于受(shou)交通(tong)、通(tong)訊等方面(mian)的(de)(de)制約，在偏遠(yuan)行(xing)(xing)政村(cun)(cun)或自(zi)(zi)然村(cun)(cun)成(cheng)(cheng)立惠(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)維(wei)護成(cheng)(cheng)本較高，而且資金(jin)風險也比(bi)較大，基層銀(yin)行(xing)(xing)或信用社員(yuan)(yuan)工對(dui)惠(hui)農(nong)(nong)(nong)(nong)支(zhi)(zhi)付工作也感(gan)到(dao)(dao)“惠(hui)農(nong)(nong)(nong)(nong)點(dian)距離太遠(yuan)，在服務上難以(yi)(yi)有(you)(you)效落實”，認(ren)為(wei)“因(yin)為(wei)路(lu)程原(yuan)因(yin)，成(cheng)(cheng)本費用壓力(li)越(yue)來越(yue)明顯”。如：新(xin)平(ping)縣平(ping)掌鄉壩塘街壩塘農(nong)(nong)(nong)(nong)具(ju)門市部距離最近金(jin)融(rong)機構網點(dian)50公(gong)里(li)（山路(lu)），單(dan)邊客(ke)運票價27元，惠(hui)農(nong)(nong)(nong)(nong)點(dian)周邊人(ren)口數(shu)5700人(ren)，距離新(xin)平(ping)縣城230多公(gong)里(li)，正常情(qing)況下工作人(ren)員(yuan)(yuan)往返一(yi)(yi)趟需(xu)要兩(liang)天時間，管理及維(wei)護成(cheng)(cheng)本較高。

（四）惠農支付資金(jin)清算(suan)渠道不暢，網絡通訊基(ji)礎服務亟(ji)待加強

經過兩年多的(de)(de)試點(dian)(dian)和推廣，惠(hui)(hui)(hui)農(nong)(nong)(nong)支(zhi)付(fu)服(fu)務(wu)(wu)業(ye)務(wu)(wu)市場(chang)影(ying)(ying)響(xiang)力和培(pei)育度已基(ji)本成(cheng)熟，農(nong)(nong)(nong)村(cun)地(di)區要(yao)求增(zeng)設惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)的(de)(de)呼(hu)聲(sheng)越(yue)(yue)來越(yue)(yue)高。但是新(xin)型農(nong)(nong)(nong)村(cun)支(zhi)付(fu)業(ye)務(wu)(wu)在(zai)(zai)資金(jin)清算(suan)和網絡支(zhi)持方面(mian)還(huan)不(bu)夠成(cheng)熟，惠(hui)(hui)(hui)農(nong)(nong)(nong)支(zhi)付(fu)業(ye)務(wu)(wu)運(yun)作(zuo)管理(li)中(zhong)(zhong)存(cun)在(zai)(zai)的(de)(de)一(yi)(yi)些問題不(bu)容忽視(shi)；一(yi)(yi)是惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)辦(ban)理(li)取款(kuan)業(ye)務(wu)(wu)資金(jin)到(dao)賬時(shi)間較長(chang)。回(hui)訪(fang)中(zhong)(zhong)部分惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)反映(ying)，客戶(hu)取款(kuan)后(hou)(hou)資金(jin)不(bu)能及(ji)時(shi)到(dao)達(da)，正常情況下需(xu)要(yao)1～2天才能到(dao)賬，如(ru)遇周末時(shi)需(xu)要(yao)4～5天，遇到(dao)國(guo)慶、春節(jie)假期的(de)(de)情況需(xu)要(yao)8～9天。二(er)是惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)后(hou)(hou)期辦(ban)理(li)繳費(fei)(fei)業(ye)務(wu)(wu)手續(xu)費(fei)(fei)未兌(dui)現(xian)。據(ju)調(diao)查反映(ying)，除2012年9月1日前的(de)(de)繳費(fei)(fei)業(ye)務(wu)(wu)取得(de)手續(xu)費(fei)(fei)外，自2012年9月1日起至現(xian)在(zai)(zai)惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)的(de)(de)繳費(fei)(fei)業(ye)務(wu)(wu)一(yi)(yi)直未兌(dui)付(fu)手續(xu)費(fei)(fei)，影(ying)(ying)響(xiang)以繳費(fei)(fei)業(ye)務(wu)(wu)為主的(de)(de)惠(hui)(hui)(hui)農(nong)(nong)(nong)商戶(hu)的(de)(de)積極性，給(gei)惠(hui)(hui)(hui)農(nong)(nong)(nong)業(ye)務(wu)(wu)開展帶來了(le)負面(mian)影(ying)(ying)響(xiang)。三(san)是個別惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)業(ye)務(wu)(wu)操作(zuo)中(zhong)(zhong)存(cun)在(zai)(zai)網絡通訊風險。如(ru)新(xin)平縣(xian)建興鄉雙溝街惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)，一(yi)(yi)客戶(hu)在(zai)(zai)取現(xian)交易(yi)500元(yuan)的(de)(de)過程中(zhong)(zhong)，先是POS終端(duan)界(jie)面(mian)顯示(shi)(shi)交易(yi)成(cheng)功(gong)，且客戶(hu)手機銀行短信(xin)提示(shi)(shi)劃(hua)款(kuan)成(cheng)功(gong)，但打印不(bu)出交易(yi)清單(dan)，惠(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)向客戶(hu)支(zhi)付(fu)了(le)現(xian)金(jin)500元(yuan)。過了(le)幾分鐘(zhong)后(hou)(hou)，POS終端(duan)界(jie)面(mian)顯示(shi)(shi)沖正失敗，一(yi)(yi)小時(shi)后(hou)(hou)，客戶(hu)電話反映(ying)，該筆交易(yi)金(jin)額又劃(hua)回(hui)客戶(hu)銀行卡中(zhong)(zhong)，幸好未造成(cheng)資金(jin)損失。

（五(wu)）后續服務不(bu)到位，問題反饋不(bu)及時(shi)

調(diao)查反(fan)映，惠(hui)農(nong)商(shang)(shang)戶(hu)對收(shou)(shou)(shou)單(dan)機(ji)構(gou)(gou)(gou)“經常上門(men)做(zuo)工(gong)作指導”以(yi)及(ji)“幫助解決(jue)惠(hui)農(nong)支付(fu)(fu)網絡(luo)運行(xing)方面問(wen)(wen)題(ti)(ti)”的(de)服(fu)(fu)務期(qi)(qi)望(wang)非常高。但是，調(diao)查中收(shou)(shou)(shou)單(dan)機(ji)構(gou)(gou)(gou)普遍存(cun)在類似(si)的(de)問(wen)(wen)題(ti)(ti)：一是職責履行(xing)不到位，存(cun)在重拓展(zhan)輕管(guan)(guan)(guan)理(li)的(de)服(fu)(fu)務盲區，對受(shou)理(li)持(chi)卡人(ren)的(de)查詢和投訴(su)處(chu)理(li)不及(ji)時，如(ru)差(cha)錯處(chu)理(li)、單(dan)邊賬處(chu)理(li)等(deng)問(wen)(wen)題(ti)(ti)時間拖延較長(chang)。二是因通(tong)訊信號不穩影響業務，未能(neng)及(ji)時協調(diao)電信、移動部門(men)處(chu)理(li)，目前惠(hui)農(nong)點的(de)聯(lian)通(tong)性問(wen)(wen)題(ti)(ti)還不能(neng)得到有效(xiao)解決(jue)，約近(jin)10%的(de)惠(hui)農(nong)點程度不同(tong)地(di)(di)存(cun)在通(tong)暢運轉問(wen)(wen)題(ti)(ti)。三是業務培訓(xun)指導不夠，收(shou)(shou)(shou)單(dan)機(ji)構(gou)(gou)(gou)對惠(hui)農(nong)點長(chang)期(qi)(qi)連續無交易發生問(wen)(wen)題(ti)(ti)，未開展(zhan)核查、預警、提(ti)(ti)示并對其給予業務指導直至實(shi)施(shi)退出管(guan)(guan)(guan)理(li)措施(shi)等(deng)日(ri)常管(guan)(guan)(guan)理(li)工(gong)作。類似(si)情況，如(ru)果惠(hui)農(nong)商(shang)(shang)戶(hu)不主動反(fan)映，或(huo)者收(shou)(shou)(shou)單(dan)機(ji)構(gou)(gou)(gou)不能(neng)深入惠(hui)農(nong)點服(fu)(fu)務，及(ji)時發現情況加以(yi)解決(jue)，就(jiu)將會使(shi)惠(hui)農(nong)支付(fu)(fu)服(fu)(fu)務工(gong)作開展(zhan)前功(gong)盡棄(qi)。此外，省銀聯(lian)公司在回(hui)訪(fang)機(ji)制的(de)執(zhi)行(xing)上也(ye)不到位，對收(shou)(shou)(shou)單(dan)機(ji)構(gou)(gou)(gou)反(fan)映的(de)問(wen)(wen)題(ti)(ti)溝通(tong)反(fan)饋不及(ji)時，缺少監控運行(xing)提(ti)(ti)示，未定期(qi)(qi)向人(ren)民銀行(xing)各地(di)(di)市中支提(ti)(ti)供(gong)惠(hui)農(nong)支付(fu)(fu)服(fu)(fu)務交易清算數據或(huo)報表。

（六）宣傳培訓力度不夠(gou)，形式(shi)單一

當(dang)前，無論是(shi)(shi)政府部門，人民銀(yin)行(xing)還(huan)是(shi)(shi)金(jin)融(rong)機構(gou)，對(dui)(dui)惠(hui)農(nong)(nong)(nong)(nong)支(zhi)付服務(wu)(wu)(wu)(wu)業(ye)(ye)務(wu)(wu)(wu)(wu)的(de)(de)(de)(de)宣(xuan)傳還(huan)存在認(ren)(ren)(ren)識(shi)缺(que)(que)陷，缺(que)(que)乏統籌安排。各鄉鎮、村(cun)委會(hui)有針對(dui)(dui)性的(de)(de)(de)(de)宣(xuan)傳未與惠(hui)農(nong)(nong)(nong)(nong)商(shang)戶形成宣(xuan)傳合(he)力(li)，在不少地區群(qun)眾(zhong)對(dui)(dui)惠(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)(de)(de)認(ren)(ren)(ren)知(zhi)度(du)仍較低(di)，大部分農(nong)(nong)(nong)(nong)村(cun)群(qun)眾(zhong)還(huan)不了解惠(hui)農(nong)(nong)(nong)(nong)支(zhi)付服務(wu)(wu)(wu)(wu)業(ye)(ye)務(wu)(wu)(wu)(wu)的(de)(de)(de)(de)目的(de)(de)(de)(de)意義和業(ye)(ye)務(wu)(wu)(wu)(wu)品種(zhong)范圍，參與業(ye)(ye)務(wu)(wu)(wu)(wu)交易的(de)(de)(de)(de)積極性不高(gao)，尤其是(shi)(shi)農(nong)(nong)(nong)(nong)村(cun)群(qun)眾(zhong)對(dui)(dui)使用銀(yin)行(xing)卡安全(quan)方面還(huan)有所(suo)顧忌，不愿頻繁進(jin)行(xing)交易。金(jin)融(rong)機構(gou)在農(nong)(nong)(nong)(nong)村(cun)地區創新和推廣支(zhi)付服務(wu)(wu)(wu)(wu)產品的(de)(de)(de)(de)動力(li)也不足，相(xiang)關結算(suan)知(zhi)識(shi)的(de)(de)(de)(de)宣(xuan)傳過于強(qiang)調專業(ye)(ye)性，很難得到農(nong)(nong)(nong)(nong)村(cun)客戶的(de)(de)(de)(de)認(ren)(ren)(ren)同和接受。此外，涉(she)農(nong)(nong)(nong)(nong)金(jin)融(rong)機構(gou)對(dui)(dui)惠(hui)農(nong)(nong)(nong)(nong)點(dian)也缺(que)(que)乏后續跟蹤培訓，導(dao)致(zhi)惠(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)(de)(de)服務(wu)(wu)(wu)(wu)水平普遍不高(gao)，惠(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)(de)(de)服務(wu)(wu)(wu)(wu)無法滿足客戶的(de)(de)(de)(de)需求。

（七(qi)）惠農支付(fu)登記(ji)制度(du)難落實，部分(fen)登記(ji)簿形同虛設(she)

回訪(fang)中筆(bi)者看到(dao)，《惠(hui)(hui)農(nong)支付服務(wu)業務(wu)登記(ji)(ji)簿》中錯登、漏登、未登的(de)現(xian)象非常普遍，有(you)(you)的(de)缺(que)少辦(ban)理(li)人(ren)(ren)姓名(ming)、身(shen)份信息(xi)(xi)、簽名(ming)、卡號等(deng)，有(you)(you)的(de)身(shen)份信息(xi)(xi)登記(ji)(ji)為(wei)手(shou)機號碼，有(you)(you)的(de)身(shen)份信息(xi)(xi)中以XX代(dai)替，有(you)(you)的(de)未簽名(ming)或捺(na)手(shou)印，達不(bu)(bu)(bu)到(dao)登記(ji)(ji)簿登記(ji)(ji)事項應連續(xu)、完整、不(bu)(bu)(bu)得(de)缺(que)頁碼等(deng)要求(qiu)，個別惠(hui)(hui)農(nong)點商(shang)(shang)戶(hu)(hu)還出現(xian)連登記(ji)(ji)簿都找(zhao)不(bu)(bu)(bu)到(dao)的(de)情況。究其原因：一是(shi)(shi)有(you)(you)的(de)商(shang)(shang)戶(hu)(hu)嫌(xian)麻煩，無登記(ji)(ji)意(yi)識；二是(shi)(shi)有(you)(you)的(de)商(shang)(shang)戶(hu)(hu)業務(wu)量很(hen)大，要求(qiu)持卡人(ren)(ren)及時(shi)、準確、完整的(de)登記(ji)(ji)確有(you)(you)困難；三是(shi)(shi)為(wei)防止(zhi)個人(ren)(ren)信息(xi)(xi)泄(xie)露，持卡人(ren)(ren)在主觀上(shang)不(bu)(bu)(bu)愿(yuan)在登記(ji)(ji)簿上(shang)留存(cun)個人(ren)(ren)信息(xi)(xi)，不(bu)(bu)(bu)愿(yuan)意(yi)簽名(ming)或捺(na)手(shou)印；四是(shi)(shi)收(shou)單機構對惠(hui)(hui)農(nong)商(shang)(shang)戶(hu)(hu)的(de)登記(ji)(ji)行為(wei)要求(qiu)不(bu)(bu)(bu)嚴，疏于管理(li)，日常只關注商(shang)(shang)戶(hu)(hu)交易量，忽視(shi)對商(shang)(shang)戶(hu)(hu)操作行為(wei)及潛在風險的(de)檢查規范。

三、對策建議

（一）加大扶持力度，建立考核機制

做(zuo)好(hao)惠(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付(fu)服務(wu)(wu)工(gong)(gong)作，僅(jin)僅(jin)依靠人(ren)民(min)銀行(xing)從支(zhi)付(fu)結(jie)算(suan)履職(zhi)角(jiao)度(du)(du)來牽(qian)頭(tou)推進尚難取(qu)得預期實效(xiao)，僅(jin)僅(jin)由金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構參與也不(bu)可(ke)能(neng)完全(quan)實現既定目(mu)標(biao)，需要地(di)方政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)和金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構統(tong)一認識，加強領導，統(tong)籌(chou)協(xie)調(diao)，堅(jian)持(chi)不(bu)懈，持(chi)之(zhi)以(yi)恒(heng)，努力(li)推進金(jin)(jin)(jin)融(rong)(rong)支(zhi)付(fu)環境建(jian)(jian)設(she)健康發展。當地(di)政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)部(bu)門(men)(men)在財政(zheng)(zheng)(zheng)(zheng)、稅收(shou)、農(nong)(nong)(nong)(nong)村(cun)低(di)保補(bu)貼(tie)發放取(qu)款、通訊費(fei)用、機(ji)(ji)具購買等方面應給予(yu)政(zheng)(zheng)(zheng)(zheng)策(ce)支(zhi)持(chi)。在資(zi)金(jin)(jin)(jin)扶(fu)持(chi)上(shang)，建(jian)(jian)議(yi)地(di)方政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)從農(nong)(nong)(nong)(nong)業(ye)發展資(zi)金(jin)(jin)(jin)、扶(fu)貧(pin)資(zi)金(jin)(jin)(jin)等渠(qu)道安排(pai)專項(xiang)資(zi)金(jin)(jin)(jin)，對涉(she)農(nong)(nong)(nong)(nong)金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構、惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)給予(yu)一定的(de)(de)(de)(de)補(bu)助和獎(jiang)勵(li)(li)，對建(jian)(jian)設(she)成(cheng)效(xiao)顯著的(de)(de)(de)(de)地(di)區和貢(gong)獻(xian)較大(da)的(de)(de)(de)(de)部(bu)門(men)(men)予(yu)以(yi)適當的(de)(de)(de)(de)獎(jiang)勵(li)(li)。在獎(jiang)勵(li)(li)標(biao)準(zhun)上(shang)，建(jian)(jian)議(yi)政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)采取(qu)行(xing)之(zhi)有效(xiao)的(de)(de)(de)(de)業(ye)務(wu)(wu)考(kao)(kao)核和獎(jiang)勵(li)(li)措施(shi)，每年(nian)由當地(di)人(ren)民(min)銀行(xing)牽(qian)頭(tou)對轄內(nei)所有經(jing)批準(zhun)設(she)立惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)的(de)(de)(de)(de)業(ye)務(wu)(wu)量、服務(wu)(wu)質量以(yi)及對當地(di)“三農(nong)(nong)(nong)(nong)”的(de)(de)(de)(de)貢(gong)獻(xian)度(du)(du)等情(qing)況進行(xing)綜(zong)合(he)考(kao)(kao)核評議(yi)，確定考(kao)(kao)評名次，并按全(quan)部(bu)惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)10%的(de)(de)(de)(de)比例(li)報當地(di)人(ren)民(min)政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)進行(xing)物質和精神獎(jiang)勵(li)(li)。在費(fei)用減免上(shang)，政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)應牽(qian)頭(tou)協(xie)調(diao)電信部(bu)門(men)(men)針對惠(hui)(hui)農(nong)(nong)(nong)(nong)點(dian)給予(yu)減、免初裝費(fei)和調(diao)低(di)通訊費(fei)率(lv)或按月包干的(de)(de)(de)(de)優惠(hui)(hui)。對開展惠(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付(fu)服務(wu)(wu)的(de)(de)(de)(de)公益宣傳(chuan)應免收(shou)費(fei)用。此外，各級政(zheng)(zheng)(zheng)(zheng)府(fu)(fu)(fu)、人(ren)民(min)銀行(xing)、收(shou)單機(ji)(ji)構應積(ji)極完善內(nei)部(bu)管理(li)(li)體系建(jian)(jian)設(she)，并建(jian)(jian)立、健全(quan)相應的(de)(de)(de)(de)內(nei)控(kong)管理(li)(li)制度(du)(du)，明確相關職(zhi)能(neng)部(bu)門(men)(men)對支(zhi)付(fu)業(ye)務(wu)(wu)工(gong)(gong)作落實管理(li)(li)職(zhi)責，將惠(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付(fu)業(ye)務(wu)(wu)納入工(gong)(gong)作考(kao)(kao)核，以(yi)獎(jiang)代(dai)補(bu)，保證(zheng)惠(hui)(hui)農(nong)(nong)(nong)(nong)支(zhi)付(fu)業(ye)務(wu)(wu)的(de)(de)(de)(de)可(ke)持(chi)續發展。

（二）正(zheng)確(que)定位，完善管理

設立(li)惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)點(dian)(dian)(dian)的(de)(de)(de)市場(chang)定(ding)位是(shi)緩解農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)融(rong)(rong)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)缺失(shi)，助推收(shou)單機(ji)(ji)(ji)構拓(tuo)展農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)融(rong)(rong)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)，促使惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)的(de)(de)(de)社會效(xiao)益和(he)(he)(he)經(jing)濟效(xiao)益有(you)(you)機(ji)(ji)(ji)結合(he)，并保持(chi)可持(chi)續(xu)發(fa)展，進(jin)(jin)而(er)實(shi)現(xian)(xian)各方(fang)利益最大(da)化(hua)(hua)。針(zhen)對惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)運行(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)特(te)點(dian)(dian)(dian)以(yi)及存(cun)在的(de)(de)(de)困難和(he)(he)(he)問題(ti)，人民銀(yin)行(xing)(xing)(xing)(xing)(xing)要在以(yi)下(xia)幾(ji)方(fang)面做工作(zuo)(zuo)(zuo)：一(yi)要深入(ru)(ru)實(shi)地，加(jia)強指導(dao)，完(wan)善(shan)管(guan)理(li)(li)(li)，特(te)別要結合(he)目前惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)點(dian)(dian)(dian)在運行(xing)(xing)(xing)(xing)(xing)過程中“多(duo)”（行(xing)(xing)(xing)(xing)(xing)政村(cun)(cun)基本全覆(fu)蓋）、“偏(pian)”（地域分布(bu)偏(pian)）、“弱(ruo)(ruo)”（能力素質弱(ruo)(ruo)）、“差”（運行(xing)(xing)(xing)(xing)(xing)條(tiao)件差）等現(xian)(xian)實(shi)困難，切實(shi)統籌研(yan)究(jiu)，做好回訪和(he)(he)(he)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)，建(jian)(jian)立(li)問題(ti)反饋記錄(lu)庫，及時協調解決出(chu)現(xian)(xian)的(de)(de)(de)各類問題(ti)，有(you)(you)效(xiao)處理(li)(li)(li)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)運行(xing)(xing)(xing)(xing)(xing)中出(chu)現(xian)(xian)的(de)(de)(de)通訊網絡風險(xian)和(he)(he)(he)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)操作(zuo)(zuo)(zuo)風險(xian)。二要正確(que)處理(li)(li)(li)好惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)點(dian)(dian)(dian)“建(jian)(jian)”與“管(guan)”的(de)(de)(de)關(guan)系。目前玉(yu)(yu)溪在惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)點(dian)(dian)(dian)創(chuang)建(jian)(jian)已達(da)到(dao)行(xing)(xing)(xing)(xing)(xing)政村(cun)(cun)基本全覆(fu)蓋規模后，應更多(duo)地加(jia)大(da)“管(guan)”的(de)(de)(de)力度，把“安全、穩定(ding)、有(you)(you)序、規范(fan)(fan)”作(zuo)(zuo)(zuo)為下(xia)一(yi)步惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)工作(zuo)(zuo)(zuo)的(de)(de)(de)重心，避免盲目追求(qiu)數量而(er)忽視質量，更多(duo)地在惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)點(dian)(dian)(dian)的(de)(de)(de)后續(xu)管(guan)理(li)(li)(li)上(shang)下(xia)工夫。如(ru)果(guo)只(zhi)“建(jian)(jian)”不“管(guan)”，問題(ti)會越(yue)積越(yue)多(duo)，潛(qian)藏風險(xian)也會越(yue)來越(yue)大(da)。為此，玉(yu)(yu)溪中支(zhi)(zhi)在2012年全面推進(jin)(jin)惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)工作(zuo)(zuo)(zuo)前夕，就創(chuang)新建(jian)(jian)立(li)了《玉(yu)(yu)溪市惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)準入(ru)(ru)、退出(chu)管(guan)理(li)(li)(li)辦(ban)法》、《玉(yu)(yu)溪市惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)回訪機(ji)(ji)(ji)制(zhi)(zhi)》、《玉(yu)(yu)溪市惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)宣傳(chuan)機(ji)(ji)(ji)制(zhi)(zhi)》、《玉(yu)(yu)溪市惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)信(xin)息(xi)反饋機(ji)(ji)(ji)制(zhi)(zhi)》、《玉(yu)(yu)溪市惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)應急管(guan)理(li)(li)(li)機(ji)(ji)(ji)制(zhi)(zhi)》、《玉(yu)(yu)溪市惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)考核評價(jia)辦(ban)法》六(liu)項管(guan)理(li)(li)(li)機(ji)(ji)(ji)制(zhi)(zhi)，進(jin)(jin)一(yi)步將惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)工作(zuo)(zuo)(zuo)納入(ru)(ru)規范(fan)(fan)化(hua)(hua)與制(zhi)(zhi)度化(hua)(hua)的(de)(de)(de)管(guan)理(li)(li)(li)軌道。三要從農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)經(jing)濟金(jin)融(rong)(rong)發(fa)展的(de)(de)(de)客觀需要出(chu)發(fa)，按(an)照方(fang)便群眾、有(you)(you)利惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)商戶、有(you)(you)利全局利益的(de)(de)(de)原(yuan)則，逐(zhu)步拓(tuo)寬(kuan)惠(hui)(hui)(hui)農(nong)(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)范(fan)(fan)圍(wei)。比如(ru)跨(kua)行(xing)(xing)(xing)(xing)(xing)轉賬(zhang)的(de)(de)(de)拓(tuo)展問題(ti)（目前省內只(zhi)有(you)(you)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)信(xin)用聯(lian)(lian)社與農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)銀(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)卡支(zhi)(zhi)撐跨(kua)行(xing)(xing)(xing)(xing)(xing)轉賬(zhang)，其他各行(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)卡尚(shang)不能辦(ban)理(li)(li)(li)此項業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)），代(dai)繳水、電(dian)、煤氣、通訊等服(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)收(shou)費問題(ti)，建(jian)(jian)議上(shang)級主管(guan)部門和(he)(he)(he)省銀(yin)聯(lian)(lian)公司(si)從系統技術層(ceng)面和(he)(he)(he)管(guan)理(li)(li)(li)層(ceng)面加(jia)以(yi)改進(jin)(jin)完(wan)善(shan)，避免發(fa)生實(shi)踐超前、管(guan)理(li)(li)(li)滯后，影響(xiang)人民銀(yin)行(xing)(xing)(xing)(xing)(xing)聲譽的(de)(de)(de)情況出(chu)現(xian)(xian)。

（三）形成合力，構建(jian)長效宣傳(chuan)機制

一要(yao)(yao)采取形(xing)式(shi)(shi)多樣的(de)(de)宣(xuan)(xuan)(xuan)(xuan)傳手(shou)段(duan)，持續開(kai)(kai)(kai)展(zhan)(zhan)農(nong)(nong)村(cun)支(zhi)付宣(xuan)(xuan)(xuan)(xuan)傳工(gong)作(zuo)。如開(kai)(kai)(kai)展(zhan)(zhan)便捷理念的(de)(de)宣(xuan)(xuan)(xuan)(xuan)傳、時尚理念的(de)(de)宣(xuan)(xuan)(xuan)(xuan)傳、實(shi)際體(ti)(ti)(ti)驗的(de)(de)宣(xuan)(xuan)(xuan)(xuan)傳等等，提升宣(xuan)(xuan)(xuan)(xuan)傳效果。二要(yao)(yao)創新模(mo)式(shi)(shi)，突出特色，促進宣(xuan)(xuan)(xuan)(xuan)傳工(gong)作(zuo)取得明顯成效。如玉(yu)溪中支(zhi)在組織(zhi)開(kai)(kai)(kai)展(zhan)(zhan)銀(yin)行卡(ka)(ka)聯(lian)合宣(xuan)(xuan)(xuan)(xuan)傳活動中，通過打造(zao)刷(shua)卡(ka)(ka)獲“幸運獎”和“普惠(hui)(hui)(hui)獎”的(de)(de)雙重(zhong)獎勵模(mo)式(shi)(shi)、“愛(ai)心刷(shua)卡(ka)(ka)”活動模(mo)式(shi)(shi)、電(dian)視臺滾動抽獎宣(xuan)(xuan)(xuan)(xuan)傳模(mo)式(shi)(shi)，充(chong)(chong)分發揮(hui)(hui)了(le)銀(yin)行卡(ka)(ka)宣(xuan)(xuan)(xuan)(xuan)傳的(de)(de)市場宣(xuan)(xuan)(xuan)(xuan)傳、公益宣(xuan)(xuan)(xuan)(xuan)傳和媒(mei)體(ti)(ti)(ti)宣(xuan)(xuan)(xuan)(xuan)傳效應，大大提升了(le)宣(xuan)(xuan)(xuan)(xuan)傳活動的(de)(de)影響力和宣(xuan)(xuan)(xuan)(xuan)傳實(shi)效。同時，利用惠(hui)(hui)(hui)農(nong)(nong)點了(le)解農(nong)(nong)村(cun)群體(ti)(ti)(ti)、貼(tie)近(jin)農(nong)(nong)村(cun)群眾優勢，增加(jia)宣(xuan)(xuan)(xuan)(xuan)傳反洗錢及金融(rong)消費者權(quan)益保護方面的(de)(de)知(zhi)識，逐步依(yi)托各(ge)惠(hui)(hui)(hui)農(nong)(nong)點，構(gou)建起全市農(nong)(nong)村(cun)金融(rong)知(zhi)識宣(xuan)(xuan)(xuan)(xuan)傳網絡(luo)體(ti)(ti)(ti)系。三(san)要(yao)(yao)充(chong)(chong)分發揮(hui)(hui)人民銀(yin)行牽頭和推動作(zuo)用，要(yao)(yao)求轄區各(ge)銀(yin)行機構(gou)積極(ji)參與人民銀(yin)行組織(zhi)的(de)(de)各(ge)種支(zhi)付宣(xuan)(xuan)(xuan)(xuan)傳工(gong)作(zuo)和支(zhi)付體(ti)(ti)(ti)系建設推廣工(gong)作(zuo)。

（四）加強(qiang)培訓指導，充分發(fa)揮惠農點功(gong)能(neng)作用(yong)

人(ren)民銀行要(yao)(yao)(yao)督促各(ge)收(shou)(shou)單(dan)(dan)(dan)機(ji)構加(jia)強對(dui)惠(hui)(hui)(hui)(hui)農(nong)商(shang)戶的(de)(de)(de)培(pei)訓，通(tong)過(guo)(guo)(guo)培(pei)訓，使其(qi)(qi)(qi)熟(shu)練(lian)掌握業(ye)(ye)務(wu)(wu)(wu)操作(zuo)維護(hu)技能。引導收(shou)(shou)單(dan)(dan)(dan)機(ji)構成立專業(ye)(ye)隊伍，定(ding)期不定(ding)期對(dui)所轄惠(hui)(hui)(hui)(hui)農(nong)點(dian)進(jin)行巡(xun)查，加(jia)強交(jiao)易過(guo)(guo)(guo)程、交(jiao)易終(zhong)端和機(ji)具(ju)的(de)(de)(de)管理，適(shi)時跟蹤(zong)監測分(fen)析交(jiao)易記錄，及時發現處(chu)置欺詐、套現、假(jia)幣、竊(qie)取信(xin)息等不法行為(wei)，及時幫助處(chu)置出現的(de)(de)(de)服務(wu)(wu)(wu)異常或(huo)機(ji)具(ju)故障，及時向當地人(ren)民銀行反饋(kui)業(ye)(ye)務(wu)(wu)(wu)開展過(guo)(guo)(guo)程中遇到的(de)(de)(de)問(wen)題困(kun)難。對(dui)業(ye)(ye)務(wu)(wu)(wu)量小甚至(zhi)零業(ye)(ye)務(wu)(wu)(wu)量的(de)(de)(de)惠(hui)(hui)(hui)(hui)農(nong)點(dian)，各(ge)收(shou)(shou)單(dan)(dan)(dan)機(ji)構要(yao)(yao)(yao)根(gen)據(ju)不同成因(yin)進(jin)行分(fen)類處(chu)置：對(dui)因(yin)農(nong)戶持卡量小、銀行卡接受度不高(gao)，軟硬件、通(tong)訊故障、商(shang)戶業(ye)(ye)務(wu)(wu)(wu)熟(shu)練(lian)程度達不到要(yao)(yao)(yao)求(qiu)等影響業(ye)(ye)務(wu)(wu)(wu)的(de)(de)(de)惠(hui)(hui)(hui)(hui)農(nong)點(dian)，各(ge)收(shou)(shou)單(dan)(dan)(dan)機(ji)構要(yao)(yao)(yao)積極想(xiang)辦(ban)法為(wei)其(qi)(qi)(qi)解(jie)決問(wen)題，掃除發展障礙(ai)；對(dui)經過(guo)(guo)(guo)多次培(pei)訓指導仍(reng)然達不到要(yao)(yao)(yao)求(qiu)的(de)(de)(de)惠(hui)(hui)(hui)(hui)農(nong)商(shang)戶要(yao)(yao)(yao)堅決撤(che)銷(xiao)；對(dui)因(yin)惠(hui)(hui)(hui)(hui)農(nong)商(shang)戶的(de)(de)(de)選點(dian)不適(shi)合和商(shang)戶個人(ren)素質達不到要(yao)(yao)(yao)求(qiu)而影響業(ye)(ye)務(wu)(wu)(wu)的(de)(de)(de)惠(hui)(hui)(hui)(hui)農(nong)點(dian)，要(yao)(yao)(yao)嚴格按相關規(gui)定(ding)取消其(qi)(qi)(qi)辦(ban)理惠(hui)(hui)(hui)(hui)農(nong)支(zhi)(zhi)付業(ye)(ye)務(wu)(wu)(wu)的(de)(de)(de)資格，重新選擇符合條件的(de)(de)(de)商(shang)戶辦(ban)理惠(hui)(hui)(hui)(hui)農(nong)支(zhi)(zhi)付業(ye)(ye)務(wu)(wu)(wu)。

（五(wu)）加(jia)大(da)“惠農(nong)一(yi)卡(ka)通”的(de)推廣力度(du)，為惠農(nong)點持續發展提供必(bi)要(yao)條件

惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)支(zhi)付(fu)業(ye)務(wu)(wu)是(shi)通(tong)過(guo)銀(yin)行(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)收單機構在(zai)農(nong)(nong)(nong)村(cun)指定惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)布放銀(yin)行(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)受理(li)終端，向借記卡(ka)(ka)(ka)(ka)(ka)持卡(ka)(ka)(ka)(ka)(ka)人提供基本(ben)金(jin)(jin)融(rong)服(fu)務(wu)(wu)的(de)(de)(de)(de)(de)業(ye)務(wu)(wu)。因此，惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)支(zhi)付(fu)業(ye)務(wu)(wu)必(bi)須以銀(yin)行(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)為媒(mei)介，加大“惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)一(yi)卡(ka)(ka)(ka)(ka)(ka)通(tong)”的(de)(de)(de)(de)(de)推廣(guang)(guang)工(gong)作(zuo)已成(cheng)為惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)支(zhi)付(fu)業(ye)務(wu)(wu)拓展的(de)(de)(de)(de)(de)必(bi)要條(tiao)件。建議政府、財政、社會保(bao)障等部門認(ren)真研(yan)究(jiu)，從源(yuan)頭改進(jin)涉(she)農(nong)(nong)(nong)補(bu)貼(tie)的(de)(de)(de)(de)(de)發(fa)放方式，整合(he)農(nong)(nong)(nong)村(cun)地區(qu)銀(yin)行(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)的(de)(de)(de)(de)(de)發(fa)卡(ka)(ka)(ka)(ka)(ka)資源(yuan)，探索涉(she)農(nong)(nong)(nong)補(bu)貼(tie)“惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)一(yi)卡(ka)(ka)(ka)(ka)(ka)通(tong)”工(gong)程，力爭將目前農(nong)(nong)(nong)村(cun)群眾享受的(de)(de)(de)(de)(de)多項涉(she)農(nong)(nong)(nong)補(bu)貼(tie)資金(jin)(jin)通(tong)過(guo)一(yi)卡(ka)(ka)(ka)(ka)(ka)發(fa)放，盡(jin)量節約(yue)農(nong)(nong)(nong)村(cun)群眾開卡(ka)(ka)(ka)(ka)(ka)成(cheng)本(ben)，循序漸進(jin)改變目前農(nong)(nong)(nong)村(cun)地區(qu)有折無卡(ka)(ka)(ka)(ka)(ka)的(de)(de)(de)(de)(de)被動局面，有效(xiao)發(fa)揮惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)服(fu)務(wu)(wu)功能。同時，重視并有效(xiao)擴展金(jin)(jin)融(rong)政策以及金(jin)(jin)融(rong)知識在(zai)農(nong)(nong)(nong)村(cun)地區(qu)的(de)(de)(de)(de)(de)宣傳和普(pu)及，特(te)別要充分發(fa)揮惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)點(dian)(dian)的(de)(de)(de)(de)(de)宣傳作(zuo)用(yong)，形成(cheng)人民銀(yin)行(xing)(xing)、金(jin)(jin)融(rong)機構、銀(yin)聯機構、惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)商戶“四位一(yi)體”統籌(chou)運行(xing)(xing)的(de)(de)(de)(de)(de)宣傳格(ge)局，讓(rang)農(nong)(nong)(nong)村(cun)群眾認(ren)識到(dao)惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)支(zhi)付(fu)服(fu)務(wu)(wu)的(de)(de)(de)(de)(de)意(yi)義和銀(yin)行(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)的(de)(de)(de)(de)(de)作(zuo)用(yong)，知道能辦(ban)理(li)哪些(xie)業(ye)務(wu)(wu)，以及如何辦(ban)理(li)，真正(zheng)讓(rang)農(nong)(nong)(nong)村(cun)群眾不折不扣地享受到(dao)黨的(de)(de)(de)(de)(de)惠(hui)(hui)(hui)(hui)(hui)(hui)民政策。據了解，目前轄(xia)內新平(ping)縣農(nong)(nong)(nong)村(cun)信用(yong)聯社推廣(guang)(guang)涉(she)農(nong)(nong)(nong)補(bu)貼(tie)“惠(hui)(hui)(hui)(hui)(hui)(hui)農(nong)(nong)(nong)一(yi)卡(ka)(ka)(ka)(ka)(ka)通(tong)”的(de)(de)(de)(de)(de)試點(dian)(dian)工(gong)作(zuo)效(xiao)果(guo)比較好，下(xia)一(yi)步玉溪(xi)中支(zhi)將重點(dian)(dian)關注，及時總結試點(dian)(dian)經驗，適時在(zai)全轄(xia)組織推廣(guang)(guang)運用(yong)。

（六）改進惠農(nong)業務(wu)(wu)登記(ji)等(deng)制度，促進業務(wu)(wu)協(xie)調(diao)發展

一是(shi)對(dui)(dui)于(yu)(yu)惠(hui)農(nong)(nong)支(zhi)付(fu)(fu)服務(wu)(wu)業(ye)(ye)(ye)(ye)務(wu)(wu)登(deng)(deng)記(ji)(ji)過程中(zhong)存在(zai)的(de)(de)各種問(wen)(wen)題(ti)，建議(yi)上級主(zhu)管(guan)部門合(he)理(li)改進(jin)相關信(xin)息(xi)(xi)登(deng)(deng)記(ji)(ji)流程，在(zai)業(ye)(ye)(ye)(ye)務(wu)(wu)登(deng)(deng)記(ji)(ji)上以(yi)簽名或捺手印方(fang)式替(ti)代身份(fen)信(xin)息(xi)(xi)登(deng)(deng)記(ji)(ji)。對(dui)(dui)于(yu)(yu)因通(tong)訊網絡等原因產生(sheng)的(de)(de)交易(yi)失敗業(ye)(ye)(ye)(ye)務(wu)(wu)，要(yao)求惠(hui)農(nong)(nong)商(shang)(shang)戶(hu)詳細做好(hao)持(chi)卡人信(xin)息(xi)(xi)登(deng)(deng)記(ji)(ji)，一旦出現(xian)業(ye)(ye)(ye)(ye)務(wu)(wu)風險，能及(ji)(ji)(ji)(ji)時(shi)(shi)聯(lian)系(xi)(xi)到(dao)持(chi)卡人，規避持(chi)卡人的(de)(de)業(ye)(ye)(ye)(ye)務(wu)(wu)風險。同時(shi)(shi)，收單(dan)機(ji)(ji)構(gou)應積極幫助(zhu)惠(hui)農(nong)(nong)點及(ji)(ji)(ji)(ji)時(shi)(shi)追(zhui)回(hui)業(ye)(ye)(ye)(ye)務(wu)(wu)損失。二是(shi)對(dui)(dui)于(yu)(yu)惠(hui)農(nong)(nong)業(ye)(ye)(ye)(ye)務(wu)(wu)結算資(zi)金(jin)到(dao)賬(zhang)(zhang)不及(ji)(ji)(ji)(ji)時(shi)(shi)問(wen)(wen)題(ti)，要(yao)求收單(dan)機(ji)(ji)構(gou)認真做好(hao)業(ye)(ye)(ye)(ye)務(wu)(wu)交易(yi)情況登(deng)(deng)記(ji)(ji)，根據(ju)業(ye)(ye)(ye)(ye)務(wu)(wu)量情況，合(he)理(li)制(zhi)定(ding)對(dui)(dui)賬(zhang)(zhang)間隔時(shi)(shi)間，加強收單(dan)機(ji)(ji)構(gou)與惠(hui)農(nong)(nong)商(shang)(shang)戶(hu)的(de)(de)對(dui)(dui)賬(zhang)(zhang)工(gong)(gong)(gong)作(zuo)(zuo)。三是(shi)相關部門要(yao)建立有效(xiao)的(de)(de)統(tong)計監(jian)測(ce)及(ji)(ji)(ji)(ji)評價體系(xi)(xi)。基層(ceng)人民銀(yin)行(xing)(xing)要(yao)加強對(dui)(dui)審(shen)核準(zhun)入(ru)、商(shang)(shang)戶(hu)退出、機(ji)(ji)構(gou)回(hui)訪、信(xin)息(xi)(xi)反饋等方(fang)面(mian)(mian)運(yun)行(xing)(xing)機(ji)(ji)制(zhi)管(guan)理(li)工(gong)(gong)(gong)作(zuo)(zuo)，加強對(dui)(dui)金(jin)融支(zhi)付(fu)(fu)業(ye)(ye)(ye)(ye)務(wu)(wu)的(de)(de)監(jian)督管(guan)理(li)，防止收單(dan)機(ji)(ji)構(gou)在(zai)后續工(gong)(gong)(gong)作(zuo)(zuo)中(zhong)出現(xian)對(dui)(dui)惠(hui)農(nong)(nong)商(shang)(shang)戶(hu)管(guan)理(li)不到(dao)位或疏于(yu)(yu)管(guan)理(li)的(de)(de)現(xian)象發生(sheng)。銀(yin)行(xing)(xing)機(ji)(ji)構(gou)要(yao)提高(gao)信(xin)息(xi)(xi)反饋工(gong)(gong)(gong)作(zuo)(zuo)質(zhi)量，定(ding)期向人民銀(yin)行(xing)(xing)匯報在(zai)惠(hui)農(nong)(nong)支(zhi)付(fu)(fu)服務(wu)(wu)推廣和業(ye)(ye)(ye)(ye)務(wu)(wu)開展(zhan)過程中(zhong)的(de)(de)特色做法、經驗以(yi)及(ji)(ji)(ji)(ji)遇到(dao)的(de)(de)問(wen)(wen)題(ti)情況，及(ji)(ji)(ji)(ji)時(shi)(shi)處理(li)商(shang)(shang)戶(hu)反映的(de)(de)問(wen)(wen)題(ti)，盡力減少不利(li)于(yu)(yu)惠(hui)農(nong)(nong)業(ye)(ye)(ye)(ye)務(wu)(wu)開展(zhan)的(de)(de)負(fu)面(mian)(mian)影響，確(que)實履行(xing)(xing)對(dui)(dui)惠(hui)農(nong)(nong)點的(de)(de)業(ye)(ye)(ye)(ye)務(wu)(wu)指導及(ji)(ji)(ji)(ji)監(jian)督管(guan)理(li)工(gong)(gong)(gong)作(zuo)(zuo)。省銀(yin)聯(lian)公司要(yao)加強后續回(hui)訪和服務(wu)(wu)工(gong)(gong)(gong)作(zuo)(zuo)，多深入(ru)基層(ceng)了解惠(hui)農(nong)(nong)商(shang)(shang)戶(hu)的(de)(de)運(yun)行(xing)(xing)情況，及(ji)(ji)(ji)(ji)時(shi)(shi)解決業(ye)(ye)(ye)(ye)務(wu)(wu)投訴或咨詢、答疑，按月向人民銀(yin)行(xing)(xing)各地(di)市中(zhong)支(zhi)通(tong)報惠(hui)農(nong)(nong)支(zhi)付(fu)(fu)服務(wu)(wu)交易(yi)數據(ju)及(ji)(ji)(ji)(ji)監(jian)控運(yun)行(xing)(xing)狀(zhuang)況，做好(hao)機(ji)(ji)具(ju)維護(hu)和網絡聯(lian)通(tong)，確(que)保(bao)惠(hui)農(nong)(nong)支(zhi)付(fu)(fu)服務(wu)(wu)工(gong)(gong)(gong)作(zuo)(zuo)可持(chi)續發展(zhan)。

組長：陳文玉