“银村直联”:村级财务金融服务产品的流程再造和功能重塑

"银村直联"是将银行业务系统嵌入村级财务管理平台,提供村级账户管理、信息查询、资金支付、非现金结算及增值服务等业务的新型金融产品,在实践中表现了实时、高效、便捷、精准等特点。通过"银村直联",实现了银行农村金融服务信息化,助推农村集体资产财务管理的再次飞跃。以江苏紫金农村商业银行与南京市700个涉农村社区开展的"银村直联"合作为案例,针对该金融服务产品的流程再造和功能重塑展开分析,剖析该金融产品创新的现实意义和应用前景。

“Bank and Rural Direct Connection”: Process Reengineering and Function Rebuilding of Financial Services Products at Village Level

"Bank and Rural Direct Connection" is a new financial product which is embedded in the village-level financial management platform to provide a series of new financial products for village-level account management, information inquiry, fund payment, non-cash settlement and value-added services.The new financial product shows some characteristics of real-time, high efficiency, convenience and precision in practice, and it could realize the informatization of rural financial services, and promote the financial management of rural collective assets to make another leap. This paper took the cooperation between Zijin Rural Commercial Bank of Jiangsu and 700 rural communities in Nanjing as an example to analyze the process reengineering and function remodeling of the financial service product, and analyzed the practical significance and application prospects of the financial product innovation.