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农村地区是银行卡受理市场的重要组成部分。发展农村地区的银行卡业务是优化农村地区支付环境的重要途径,是将中央各项扶农惠农政策落到实处、有效推动农村经济发展的一项重要举措,是改善农村金融基础设施、进一步推动银行卡业务发展的重要制度安排,更是各级金融机构拓展农村市场、创新金融产品、完善农村金融服务体系、谋求自身发展机遇的有利契机。因此,加快银行卡在农村的应用与发展,对改善农村支付和金融环境,推动农村金融服务创新,促进农村地区经济和社会发展均具有重大的现实意义。近几年来,国家出台了一系列推进农村地区支付结算的文件和政策,统筹规划指导、安排部署全国农村支付环境建设工作,为银行卡在农村应用创造了良好的外部环境。2008年末,国务院在《关于搞活流
Rural areas is an important part of the bank card acceptance market. The development of bank card business in rural areas is an important way to optimize the payment environment in rural areas. It is an important measure to implement all the Central Government’s policies to support agriculture and benefit farmers and effectively promote rural economic development. It is to improve rural financial infrastructure and further The important institutional arrangements for promoting the development of bank card business are even more favorable opportunities for financial institutions at all levels to expand rural markets, innovate financial products, improve the rural financial service system and seek opportunities for their own development. Therefore, accelerating the application and development of bankcards in rural areas is of great practical significance for improving rural payment and financial environment, promoting innovation in rural financial services and promoting economic and social development in rural areas. In recent years, the state has promulgated a series of documents and policies to promote payment and settlement in rural areas, made overall planning and guidance, and arranged the deployment of a nationwide rural payment environment construction work, thus creating a good external environment for bank card applications in rural areas. At the end of 2008, the State Council said in its article "Enliven Flow