Research On Payment And Settlement Services Of Xianyang Rural Areas

With the deepening of reform and opening up, social change, urban-rural integration already is an inevitable stage of development of China’s modernization, while China is a large agricultural country, the main obstacles encountered by rural integration is the urban-rural dual structure, education, infrastructure and public distribution facilities and other resources uneven, uneven economic development to become a reality problem on the way of China’s economic development is bound to be resolved, in solving the problems of rural development, to let the majority of fanners to participate in China’s modernization process, and share rich fruit of China’s modernization and economic development. The rapid economic development of the smooth flow of funds will be needed as an important guarantee for the rapid flow of funds efficiency can provide a fair platform unobstructed flow of funds, the cash payment and settlement means has a pivotal role in the economic development process. With the economic and social science and technology and the rapid development of information technology, more and more sound bank payment and settlement system is the basis of modern economic and social platform for the transfer of funds, to promote social and economic development, protect the safety and smooth flow of funds. However, China is also facing bank payment and settlement systems that rural development is highly uneven, a small number of western counties and financial institutions, the lack of market competition environment, rural financial services generally weak, gradually showing difficult to meet the growing rural residents pay demand trends settlement. In recent years, the People’s Bank of China to pay settlement policy in recent years, the People’s Bank Payment and Settlement Systems of the construction work invested a lot of energy in rural areas, speed up the construction of the payment system in rural areas, improve rural payment service environment, to promote rural economic development, poverty reduction is important. Authors long involvement in Xianyang City, payment and settlement systems as well as building work to improve rural payment services system, payment and settlement systems of Xianyang City has a deep understanding of the development process. In this paper, the survey method, quantitative analysis, qualitative analysis, the use of induction and deduction, comparative analysis, lessons learned and other research methods, according to local economic characteristics Xianyang, combined with years of experience in the rural payment services to improve the working environment, Xianyang City Rural The current payment service system construction rationalization proposals and ideas.Article People’s Bank of China to perform their duties from the perspective of the current Xianyang rural payment and settlement systems research. First introduces the research background and purpose and significance of rural payment environment, introduces China’s current payment and settlement structure, payment instruments and the relationship with the People’s Bank of China’s payment system. Then, for example describes the theoretical system of international cash payments, and People’s Bank can learn from refining practices. Next, the status of payment and settlement service system in rural areas Xianyang a detailed analysis, and summarizes the rural payment system existing in Xianyang regional issues as well as the cause. Finally, in rural areas build standardized payment systems, payment and settlement expansion, to expand service coverage, strengthen rural financial knowledge to carry out propaganda work for the rural development of the financial derivatives market proposed five rural payment and settlement services system Xianyang improvement program, at the same time given the risks and countermeasures program implementation. The paper has some theoretical value, practical significance for the future system of payment and settlement services in rural areas work in Xianyang City, while other regions improve rural payment and settlement environment has a certain reference value.