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一种被称作“农信+互联网”的服务模式,正在被浙江农信应用在打通金融服务“最后一公里”的实践中在村庄设立助农取款服务点、自助设备,在集镇、城郊布设夜市银行、金融便利店,使城乡百姓都能在家门口方便、低成本地享受基础金融服务。到2014年末,浙江农信已在全省设立了助农服务点1.2万个,全年发生小额取款交易416.09万笔,交易金额16.33亿元,极大地缓解了城乡居民取款难、缴费难的问题,有效满足了农村基础金融服务的需求,建成了覆盖浙江城乡的服务网络。如果说,物理渠道的布设仅仅是金融服务
A service model called “Rongxin + Internet,” is being used by Zhejiang Rural Credit Co., Ltd. to establish agricultural assistance and withdrawal service points and self-help equipment in villages in the practice of opening up financial services and “last mile.” Market towns and suburbs are equipped with night market banks and financial convenience stores so that urban and rural residents can enjoy basic financial services conveniently and at low cost. By the end of 2014, Zhejiang Rural Credit has set up 12,000 service points for agricultural assistance in the whole province. In the whole year, 4,601,900 small withdrawal transactions took place, and the transaction amount was 1.633 billion yuan, which greatly eased the difficulties for the urban and rural residents to withdraw money and make payment difficult. The problem effectively met the needs of rural basic financial services and built a service network covering Zhejiang urban and rural areas. If we say that the deployment of physical channels is only financial services