Serving "Agriculture, Countryside and Farmers" and Promoting Development —— On Postal Savings Service "Agriculture, Countryside and Farmers"
Postal savings is a financial institution established with the approval of the People's Bank of China, which specializes in personal savings business of residents. Since 1986 resumed operation, with the correct leadership and strong support of the provincial party committee, the provincial government and the provincial post office, Hainan Postal Savings has continuously deepened financial innovation, further improved its technical level and further enriched its products, which has made positive contributions to supporting the economic construction of the whole province. With the full trust and support of the people of the whole province to Centennial Post, today's Hainan Postal Savings has developed into a financial institution with 7.8 billion yuan of residents' savings deposits and a number of intermediary businesses, and has become an important financial force in our province. At the same time, relying on the advantages of Hainan Post Group, Hainan Postal Savings has initially established a modern urban and rural service network in the province. 33xxxx postal savings outlets in the province (including nearly 70 outlets in rural areas) and 70 ATMs have been networked with many postal savings outlets across the country and achieved remote access. At the same time, XX Postal Savings Computer Center has been networked with Hainan UnionPay Center, and the green card can realize ATM cross-bank transactions and pos consumption.
Postal service bears the obligation of universal service and has an unshirkable responsibility in serving agriculture, countryside and farmers. At the same time, postal service has the advantages of network resources and good reputation, and has great potential in serving agriculture, countryside and farmers. Today, with many financial institutions withdrawing from the countryside, Hainan Postal Savings, guided by Theory of Three Represents, conscientiously implements the spirit of the No.1 Document of the Central Committee, further exerts the advantages of the postal industry, builds a platform for postal services for agriculture, rural areas and farmers, serves Hainan's agricultural efficiency and increases farmers' income, and strives to promote Hainan's rural economic and social development in an all-round way.
First, collect grain direct subsidy funds business
The direct grain subsidy fund is a special grain subsidy fund issued by the government to farmers returning farmland to forests. After grasping the characteristics of large amount of funds, wide distribution and many distribution points in rural areas, the Provincial Postal Savings and Remittance Bureau communicated with the relevant departments of the Provincial Department of Finance in time, received strong support from the Provincial Department of Finance, and jointly issued the "Notice on Doing a Good Job in Cash Payment of Grain Subsidies for Returning Farmland to Forests" with the Post Office, which marked the cooperation between the postal service and the financial department of our province in issuing direct grain subsidies for farmers returning farmland to forests. After the work was carried out, the provincial savings and exchange bureau formulated and issued the plan of direct grain subsidy in time, and made special arrangements for the marketing and service of direct grain subsidy. With the full implementation of direct grain subsidy, the Provincial Bureau of Savings and Remittance will focus on the requirements of serving agriculture, rural areas and farmers, go deep into city and county bureaus to strengthen service guidance, ensure service efficiency and service level, strive to satisfy farmers and friends, and lay a solid foundation for long-term cooperation between postal services and finance.
Since June 5438+065438+ 10, 2004, our province's postal savings issued direct subsidy funds for returning farmland to forests, and achieved certain results under the active expansion of city and county post offices. At present, Ledong, Dongfang, Changjiang, Wenchang and other bureaus have successfully distributed local grain direct subsidy funds, and Danzhou, Qionghai and other bureaus have also reached cooperation intentions with local finance bureaus. Among them, Ledong Bureau, Dongfang Bureau and Wenchang Bureau all paid in full, paying RMB 65,438+063 xxxx, RMB 78xxxx and RMB 65,438+000 xxxx respectively, and the first phase of the Yangtze River paid RMB 37xxxx.
Second, it represents the pension business.
Starting from 1999, with the support of the Provincial Social Security Department, the Postal Savings Office has taken advantage of its outlets in urban and rural areas to undertake the pension generation work of enterprises, institutions and agricultural reclamation systems in our province. The matching of good service and stable network advantages has promoted the rapid growth of postal service for the aged at an annual rate of 30%. At present, the monthly pension of postal savings in the province has reached1.0xxxxx billion, which has been fully affirmed by the majority of elderly comrades and the Social Security Bureau. At present, pensions in most cities and counties have been paid by postal savings, making the market share of postal savings pension services in the province reach over 90%.
At present, the monthly pension paid by postal savings in rural areas is nearly 300xxxx yuan, and retired workers are all over rural towns and agricultural and forestry stations, which makes it more difficult to pay. In the process of pension payment, ensuring that pensions are paid and received on time every month has become the top priority of postal savings outlets. Before entrusting postal savings to pay for it, retired workers living in rural areas often had to travel dozens of miles to the bank outlets in the county to receive pensions, and many old comrades were miserable. After the postal service has become an institution for the aged in rural areas, 20xxxx postal savings outlets spread all over the countryside have become a main way to distribute social pensions, and rural elderly people can receive pensions at any postal savings outlets with discounts. In order to do a good job in rural old-age services, the Postal Savings Bank has set up a special agency to carry out its duties at all levels. At the peak of payment, the savings counter also opened a special pension collection counter to facilitate the elderly to receive pensions. At present, the service of postal savings to pay for social pension has basically achieved the "three satisfactions" of retired workers, entrusting units and social security bureaus, and built a bridge of trust among the elderly.
Three. Other collection and payment services
Since 18 resumed operation, Hainan Postal Savings has been innovative and constantly developed new business varieties based on the needs of urban and rural markets in the province and combined with its own characteristics and advantages. In order to meet the diverse needs of all kinds of users, Hainan Postal Savings started the construction of an integrated service platform for intermediate business in 200 1, and reformed the platform in 2004, aiming at creating an integrated service platform with the function of collecting and issuing telecom charges.
Personal financial service business platform with comprehensive business functions such as salary pension, withholding water and electricity fees, collecting water and electricity fees, mobile banking, passbook stock trading, pos cross-bank consumption, cross-bank withdrawal, selling government bonds, agency insurance and agency funds. On this platform, farmers' friends can also enjoy all kinds of convenient and fast financial services provided by postal savings, just like urban residents. In the aspect of collecting telecom fees, which we focus on, each savings outlet has become a charging outlet of major telecom operators. The monthly business volume of collecting telecom fees reaches 360xxxx yuan, accounting for about one-third of the business volume of rural outlets, which greatly facilitates farmers' friends to pay telecom fees such as telephone fees, mobile phone fees and pager service fees. In recent years, the scale of postal savings in insurance agency business is gradually expanding, especially in rural towns in the future. We will actively cooperate with financial life insurance companies, do a good job in developing rural insurance market and establishing rural insurance market system, make use of the advantages of postal outlets and network resources, provide farmers with more commercial insurance in time, further enhance the ability of farmers in our province to resist disasters, ensure their fertility, and strive to practice the requirements of "Theory of Three Represents".
Postal savings have also made positive contributions to the business development of some large and medium-sized enterprises in rural villages and towns of this province. Hainan Post takes advantage of its own service to open fund collection business and card purchase agency business for Hainan Mobile and Hainan Telecom, collect rural township tobacco funds for XX Tobacco Company, and collect cable TV service fees for Hainan Cable TV, so as to timely withdraw funds for these enterprises, facilitate their service tentacles to extend to the countryside, promote rural economic development and improve the quality of life of peasant brothers.
Four, postal savings business in different places
In the past two years, Hainan Post's business in different places has developed rapidly, and it has also added a bright stroke in serving "agriculture, countryside and farmers".
In recent years, in order to promote the development of off-site business, Hainan Postal Savings Bank has focused on network construction, and continuously increased the transaction volume of off-site business by vigorously developing card business, increasing ATM deployment, and implementing passbook deposit and withdrawal. Especially in view of the fact that Hainan is a typical agricultural province, various fruits, vegetables and other agricultural products are continuously exported outside the province, and there is a great demand for savings in different places, Hainan Postal Savings Office actively implements various measures of the State Administration on serving agriculture, rural areas and farmers, and further strengthens the service work for agriculture, rural areas and farmers in the province. Constantly accelerate the construction of rural outlets. In 2003, all the 33xxxx postal savings outlets in the province were connected to the national network, of which 2 1xxxx outlets were located in rural towns, serving more than one million rural users, providing convenient conditions for farmers and wholesalers of agricultural products to trade in different places. Postal savings also use rural perfect institutions to serve the rural labor economy. In view of the situation that a large number of farmers in Hainan go out to work, the policy of "three exemptions and one low" is implemented for migrant workers who use postal green cards, that is, the card opening fee, annual card fee, provincial off-site transaction fee and intra-provincial transaction fee are low, so that migrant workers can fully enjoy the convenience of national deposit and withdrawal of postal green cards, ensure the safety of labor funds, relieve many troubles of migrant workers and provide them with tangible convenience. With these service advantages, in February 2004, the total number of off-site postal savings transactions in the province was 36.xxxx, and the total transaction amount was 14. 1 xxxx yuan. In 2004, the total number of transactions in different places was 38xxxx, and the transaction amount reached 654.38+05.032 billion yuan.
Verb (abbreviation of verb) postal remittance business
In 2004, the annual transaction volume of Hainan postal remittance business was152.3xxxxx, and the transaction amount was 15. 1 100 million yuan. Postal remittance mainly serves rural areas. Rural postal remittance is not only related to the improvement of farmers' lives, but also to the development of agriculture and rural economy. It is the concrete embodiment of the "three rural" policy of the CPC Central Committee and the objective requirement of building a well-off society in an all-round way. In order to improve the service time and quality of rural postal remittance, our province has successively launched various services such as urgent remittance, real-time remittance, etiquette remittance, receipt remittance and postscript remittance, which has played a positive role in promoting the implementation of the "three rural" policy.
As an indispensable infrastructure and public utility in social economy, postal service bears the heavy responsibility of providing financial services for urban and rural people in the province. Governments at all levels are urged to create conditions to support postal savings to expand their business areas within the scope permitted by the state and start various agency and agency services. For example, rural electricity charges, rural telephone charges, rural cable TV service charges, rural cigarette money, and various subsidies in rural areas. Postal savings will always spare no effort to accelerate the economic construction and the development of various undertakings in the province, and play an important role in promoting the all-round development of Hainan's rural economy and society.