Phone POS changed her life

Ms. Zhang, an old customer from Sichuan, is paying for the goods by telephone POS. She told reporters that before the opening of the telephone POS machine, the market transaction of China Textile City was mainly through cash transactions. It was not only necessary to spend half a day to go to the bank to cash in, but it was not safe to use a sack to hold a large amount of cash. “Since the store has installed a telephone POS machine, it is very convenient to pay for the goods. The transfer of funds across the bank will not only save time and handling fees, but also avoid the safety issue when carrying cash!” Ms. Zhang excitedly told reporters. Introduction.

China Textile City is currently the world's largest textile wholesale market with the largest number of products and the highest turnover. It has more than 20,000 registered business households and more than 1,000 resident representative offices and commercial enterprises. In 2011, the market turnover was nearly 90 billion yuan.

Sun Chengrong, deputy director of the China Textile City Management Committee, said that in the past, using sacks to carry cash to trade has become a heart-rending “street view”, which limits the scale and efficiency of market transactions, and often triggers various social unrest events, market management. so much pressure. In 2007, the People's Bank of Shaoxing City Center and the local government jointly issued the “Implementation Opinions on the Promotion and Application of Bank Cards in China Textile City”, focusing on policy support, service measures and management measures, and adopted “government”. Support, central bank promotion, market operation, the country's first telephone pos machine settled in China Textile City, creating a new model for the domestic commodity trading market to fully promote the application of bank cards by means of telephone POS machines, and also make China Textile City become a domestic commodity trading market. Pilot application of POS machines. At present, there are 17,800 POS machines installed in the market. In 2011, there were 936,000 bank card inter-bank transactions, with a transaction volume of 57.4 billion yuan.

Sun Chengrong told reporters that the wide application of bank cards in the textile city market not only improved the payment and settlement environment of China Textile City, but also improved the overall image of China Textile City, and enabled market managers, merchants and banks to achieve a win-win situation. ".

Shaoxing Ruifeng Bank was the first bank to promote POS machines in China Textile City. At present, it has installed 2210 telephone POS machines in China Textile City. Yuan Jun, deputy director of the branch of the China Textile City Branch, said that by vigorously promoting POS machine card trading, the pressure on the bank window has been greatly reduced. The number of branches in the two years has been reduced from 14 to 9 in the branch, and the counters and human resources are used. For other financial services, it can bring more than 10 million yuan in economic benefits to the sub-branches every year.

As the first batch of telephone POS machines, Yan Lianmei also got “affordable” from the card transaction. She now not only saves the trouble of counting cash, checking counterfeit banknotes, but also can realize trading 24 hours a day, "making money more easily."

The commodity trading market in Zhejiang Province is relatively developed, and most of them are in rural areas. According to Zhu Wenjian, deputy governor of the Hangzhou Branch of the People's Bank of China, Hangzhou Zhongzhi focused on guiding and promoting the banking institutions to actively expand commodity trading by breaking through the bottlenecks in the market card application system, improving the supporting bank card acceptance services, and striving for preferential rates in the pilot areas. Market bank card application. By the end of 2011, the province had implemented bank card applications in 545 commodity trading markets. In 2011, the province's commodity trading market held 35.8 million card consumption, amounting to 1.8 trillion yuan, an increase of 207% and 291% respectively compared with 2008.

In order to promote the construction of the rural bank card market efficiently, another focus of the Hangzhou Central Branch in the province is to create a “swipe-free accessibility demonstration zone” in all the county towns, central towns, major commercial and trade districts, commodity trading markets, tourist attractions and other areas. Extensively carry out the “Swipe Card Accessibility Demonstration Zone” creation activities to promote farmers' card consumption by point and face.

The change began in 2005. On the basis of many investigations, the People's Bank of Yongkang Branch proposed to promote the application of bank cards in the production materials market, and took the lead in the establishment of the “Swipe Card Accessibility Demonstration Zone” in the province. One of the important and key measures is to fully mobilize the enthusiasm of commercial banks and increase investment in various financial services and equipment in the market.

“In the beginning, the customer didn’t understand the situation and would rather use the passbook instead of the card.” Xu Xiaoer, the head of the market branch of the former Agricultural Bank of China’s Zhiying Sub-branch, told the reporter, “We took the transfer account (POS machine) brochure and went door-to-door. Hands-on teaching, let merchants understand the convenience and benefits of transfer treasures. In the long run, customers' passbooks are gradually replaced with bank cards."

Jin Guihua, deputy director of the People's Bank of China Jinhua City Center Branch, said that the software and hardware construction of the “Swipe Card Accessibility Demonstration Zone” is only one aspect. How to make the people and merchants feel the convenience, benefit and benefit is the key to creating activities.

Lu Xiongying is mainly engaged in the wholesale and retail of kitchen equipment. He said that since the transfer of the treasure, the Bank's credit card transaction free of charge, cross-bank transactions for each 20 yuan cap, usually to the bank to handle remittances, money orders, promissory notes are higher than this. He calculated that after using the transfer treasure, in addition to convenience, security and speed, at least 2,000 yuan per month was saved. At present, he has about 120 transactions per month and the transaction amount is about 5.5 million yuan.

ABC has a 24-hour self-service banking outlet in Zhiying Town with 6 ATMs. In the two months before the Spring Festival this year, the business volume here was nearly 100,000, and the team in front of the counter was greatly shortened. Lu Xiaodong, president of the Agricultural Bank of Yongkang Branch, said that the POS machine of the branch has been installed in more than 800 merchant stores in Zhiying Town. The proportion of business handled by electronic channels such as POS and online banking has reached more than 85%, and customers have already enjoyed more than High-quality financial services at a level, wide coverage, and all-weather. Ms. Huang, who runs the wholesale business of tin, said that in Zhiying, not only is the whole town a card, but also the card market.

The reporter learned that by the end of 2011, 264 “swipe card barrier-free demonstration zones” had been created in rural areas of Zhejiang Province, and all county towns and 45% of central towns had at least created one “card-free accessibility demonstration zone”.

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