From Case Settlement To Non-case Settlement In DongYing City Rural Credit Cooperatives

In modern social economy, non-cash payment is widely used and plays a more and more important role in market. Nowadays, the main forms of non-cash payment include bills, promissory notes, checks and bank cards, while the other payment, such as remittance, debit-credit bookkeeping, time debit credit bookkeeping and on-line payment, work as supplementary ways. In recent years, in China non-cash payment has been keeping fast and continuous growing and has been already used in more and more business. However, the increase speed of cash settlement keeps at a high level, and it will dominant the markets for a long time. This kind way, cash settlement, does not meet the needs of fast developing commercial economy of our country and troubles daily life and bank business. Therefore, recently it attracts increasing attentions from society and banks to look for the ways to transform cash payment to non-cash payment. In this thesis, taking the rural credit cooperatives in Dongying region as the research sample, the author analyzed the developing conditions of its cash businesses, non-cash businesses and customer groups with the aim to find out the reasons that the customer prefer to the case payment, as well as the factors restricting the non-cash settlement development, based on which the feasible methods for transforming cash settlement to non-cash settlement are proposed.