Telephone POS convenience service has certain positive significance for expanding the coverage of financial services in rural areas, meeting the financial needs of farmers for various subsidies for supporting agriculture and daily cash withdrawals. However, due to the pilot and exploration stage, various systems and management measures are still not perfect. In the practice of telephone POS convenience service, some problems such as insufficient positioning of convenience service, difficulty in business security management, lack of service logistics support, and insufficient promotion of rural market are also exposed, which need to be resolved.
Wide coverage, tree brand, POS equipment deployment as a key work to catch
(1) Planning strategic objectives
The first is the goal of channel construction. In order to build the civil service center as an opportunity, increase the convenience service points and help the construction of agricultural withdrawal points, plan to achieve the goal of “rural villages and villages, large-scale coverage of urban communities, and POS households with POS†within five years. Zhang connects the service network of “Thousands of Villages and Thousands of Householdsâ€. The second is the goal of customer expansion. Through the deployment of pos machines and the construction of convenient service points, we will implement bundled marketing such as citizen cards, micro-credit cards, and credit products based on the business of collecting electricity and water bills closely related to the daily lives of ordinary people, and gradually establish with customers. Solid business dealings.
(2) Looking for strategic partners
First, we must actively seek strategic partners, actively communicate with government departments and village committees, and raise the support services of the banks to the strategic decision-making and livelihood projects of the Yueqing Municipal Committee and the municipal government, relying on the credibility and social benefits of the government departments. Effectively promote convenience service points and POS machines. The second is to strengthen cooperation with supply and marketing cooperatives and distributors, and set up farmer's withdrawal points for dealers with large business volume and high integrity. Encourage farmers to use the POS collection and payment and proxy small-sum cash withdrawal services. To meet the basic financial needs of various rural subsidy funds, daily small cash withdrawals, and balance inquiries in remote rural areas, and to build a “payment green channel†for supporting agriculture, benefiting farmers, and facilitating farmers, and further improving the payment service environment in rural areas, thereby occupying Rural financial market.
(3) shaping a strategic brand
First, it is necessary to help the farmers to withdraw money from the point of view, to create a brand of supporting agriculture. Piloting from the branch offices with more mature conditions in the jurisdiction, giving financial and human resources inclinations, carefully creating a “Chenhai modelâ€, and then copying and promoting it within the city. Second, the convenience service point should standardize services and create a “financial convenience store†at the doorstep of Yueqing people. Uniformly set up deposit and loan interest rate cards, business signage cards, unified identification, unified machine tools, and meet the requirements of the deployment of POS machines, increase the placement of ATM deposit and withdrawal machines, transfer machines, etc., conditionally arranged Personnel stationed at the point of service, and earnestly put the convenience service point into a "financial convenience store" at the doorstep of ordinary people.
Strong function, excellent service, and added value of POS service
(1) Continuously develop new functions based on demand
In the grim situation of agricultural banks, postal stores, rural banks and other financial institutions that divide the rural market and devour rural positions, in order to seize the rural financial market and raise the level of rural payment and settlement, we must make positive feedback on the demand of rural financial markets. At present, the rural market has the characteristics of “frequent small transactions and daily financial needsâ€, and puts forward higher requirements for the sideways demand of financial channels. Not only can you go to the neighborhood to handle the business that is closely related to life, but also the requirements for the richness of business acceptance. Because the current telephone POS accepts objects with age and media restrictions, people in the 40~60 age group in rural areas are more likely to accept and use telephone POS, while farmers over 60 years old tend to use passbooks, thus limiting The object of reception and service of telephone POS. The remote terminal with the functions of inquiry, transfer, self-service payment, verbal report loss, password modification, etc. is more suitable for the rural market. It makes up for the defect that the phone POS can't be folded, and at the same time adds a variety of functions and expands the service object.
(2) Continuously expanding new markets based on new functions
In the current process of building a new countryside, the government's protection of farmers has been continuously strengthened, resulting in the growing capacity of the rural market. By grasping the channels of capital circulation, it has invisibly increased the return of funds. The self-service terminal with new functions effectively solved three major problems: First, it solved the basic financial needs such as financial subsidies such as farmers' food supplements, redemption of new rural insurance funds, small cash access, and transfer of agricultural and sideline products, and improved. The convenience of rural financial services is welcomed by farmers and diverted from the counter business. Secondly, it solves the bottlenecks of high cost, high risk and difficult management of financial services from urban to rural areas. The financial development of the market; third, the acceptance of the contact is greater, and closer to daily life. This micro-service channel with complete service content has become an effective tool for occupying the rural market and expanding the rural market.
Create a mechanism and build a system to promote the efficient operation of POS services
(1) Building a clear responsibility system
In the branch of the agricultural support and the sub-branches and branch offices of the Benn Agricultural Service Center, a convenience farm management team will be set up, with the head of the outlet as the team leader, and the account manager or the internal staff will be appointed as the service point administrator. The equipment is fully maintained and managed, ensuring that each administrator performs one or two POS usage checks, traffic statistics, and feedback on the service points that he manages each week.
(2) Building a three-dimensional service system
After confirming the location of the farmer's service point, the village committee and the old-age association were actively launched to let the villagers and surrounding villagers know the establishment of the service point as soon as possible, and posted advertisements and service points at the entrance of the village. The village carries out financial knowledge training and on-site demonstrations, so that each villager can understand the functions, operation procedures, and precautions of the convenience service points. After the service points are laid, the maintenance of machinery and equipment will be strengthened, and the villagers will be dealt with in time. Related issues; regularly assign administrators to service points to replace promotional materials, promote new products, and expand the business to better promote business development while improving the rural financial environment.
(3) Construct an effective assessment system
Based on the indicators of business volume, maintenance of machinery and equipment, and feedback processing, the assessment system of service point administrators is established. The number of convenience service points within the jurisdiction, the number of cards issued (including replacement cards), and the overall situation of service point administrators are The basic formulation of branch and outlet assessment systems; through the improvement of assessment mechanisms at all levels, to enhance the enthusiasm of all personnel to promote the convenience of agricultural services.
Strict access and standardization to ensure that POS services are safe and controllable
(1) Strict merchant access
Merchants who are willing to serve farmers and engage in commodity economic activities should be selected for contracting; at the same time, strict access conditions should be adopted to comprehensively examine their economic strength, moral conduct, cultural quality, legal and financial knowledge. Strengthen communication with contracted agricultural aid withdrawal service points, and timely find and correct various problems. Contracted merchants who no longer meet the conditions for signing due to changes in conditions or serious breach of contract shall be promptly and decisively withdrawn.
(2) Standardizing service point operations
Strengthen the training of knowledge and skills training for contracted merchants, supervise their awareness of safety precautions, standardize services in strict accordance with relevant regulations and contractual agreements, and earnestly do a good job of signing customer receipts and cash account level and custody of receipts. In places where the service point is eye-catching, complaints and consultation calls and related financial knowledge such as counterfeit currency identification diagrams must be posted or arranged. Strengthen the assessment of the marketing personnel's safe deployment of equipment and on-time visits to the sampling inspection.
(3) Strengthening potential risks and controlling
Strengthen the management of the dormant merchants of “bank card assistance and withdrawal servicesâ€. For example, a service point that has not been traded for three consecutive months will add unnecessary management costs to the bank. All levels of the bank should conduct business monitoring and attention to such merchants to prevent potential risks. Relevant functional departments should jointly crack down on bank card illegal and criminal activities and form a joint force.
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