Research On The Performance Of Rural Payment Terminals Layout Of Bank N

The issue about "agriculture,rural areas and farmers" has always been the focus for Chinese central government,and financial support is very necessary to solve the potential problem in the fields of agriculture,rural areas and farmers,and to implement the strategy of rural rejuvenation.Since the construction of rural payment service facilities is the basis of financial services,most of commercial banks have increased investments in financial equipment in rural areas in recent years under the rigidly regulatory requirements by the People's Bank of China and the China Banking Regulatory Commission which are aiming to improve the payment environment in rural areas.However,little attention has been paid on the evaluation about the effects of the investments and distribution of payment equipment in rural areas.Based on the introduction of research background and literature review,this dissertation firstly takes Ya'an branch of N Bank as an example to sort out the background of the creation of rural payment acceptance channels.Secondly,from three aspects including service availability,commercial sustainability and payment service quality,the performance of payment terminal layout was evaluated.Finally,the terminal transaction volume is used as a quantitative indicator for layout performance,the dissertation investigates the determinants for the performance from three dimensions including distribution channel,terminal function and branch management,and then the expansion of financial business deriving from payment terminals in rural areas is discussed.The conclusion suggests that the extensive coverage of payment terminals in rural areas not only directly increases the availability of financial services in rural areas,but also is helpful for the stable growth of deposits in county levels by improving the usage efficiency of terminals and improving the bank's social image because of the effectively distributing counter business.Further conclusions about the determinants for the terminal transaction volume are threefold.The first determinant is related to distribution channel,the greater the number of consumer and government merchants are,the larger the terminal transaction volume is,while the the transaction volume of public utility merchants with their own charging systems is less than the ideal output.The second determinant is related to the functions of terminals,since the dual effects of theimprovement in the function of agent life payment and the growth of network payments,agent life payment gradually exceeds the basic function of payment and is becoming a most important determinant of the terminal transaction volume.Thirdly,the better the sub-branch management is,the more beneficial it is to increase the terminal transaction volume,which can also increase the number of agency projects by promoting cooperation between farmers and local governments.