Lying in bed last night to brush the news, I suddenly swiped a news titled "The Shaanxi Branch of the People's Bank of China distributes 'coin purses' to 1.65 million elderly people in Xi'an", and I was very interested, so I flipped through it.
After reading it, I was puzzled, so I got up and turned on the computer to inquire about the relevant information, and as a result, the more I checked, the more confused I became.
Shaanxi Branch of the People's Bank of China distributes "coin purses" to 1.65 million elderly people in Xi'an
The picture comes from CCTV
According to the CCTV report, on the morning of April 10, the Shaanxi Branch of the People's Bank of China, together with the Xi'an Municipal People's Government and the Shaanxi Provincial Department of Civil Affairs, held a launching ceremony for the distribution of "coin purse" for the elderly group with the theme of "'coin purse' makes cash suitable for the elderly 'zero distance'", and provided standardized and customized "coin purse" services for 1.65 million elderly people over 65 years old in Xi'an through 451 outlets of Qinnong Bank.
It is reported that the "coin purse" issued by this activity includes three specifications: one with a total amount of 100 yuan, including 5 yuan coupons, 6 Wu yuan coupons, and 20 one yuan coupons; a total amount of 200 yuan, including 10 yuan coupons, 16 Wu yuan coupons, and 20 one yuan coupons; and a total amount of 300 yuan, including 20 yuan coupons, 10 Wu yuan coupons, and 50 one yuan coupons. The various specifications can also be flexibly adjusted according to the needs of the elderly.
According to the person in charge of the Shaanxi branch of the People's Bank of China, the purpose of this event is to optimize the cash service for the elderly, improve the convenience of cash payment for the elderly, and solve the difficulties and pain points of cash service for the elderly.
Through inquiry, it was learned that before this, the Shaanxi branch of the People's Bank of China issued 15,000 taxi "coin purses"
According to the official website of the Shaanxi Branch of the People's Bank of China on March 28, on the morning of March 25, the Shaanxi Branch of the People's Bank of China, together with the Cyberspace Administration of the Provincial Party Committee, the Provincial Department of Transportation, and the Shaanxi Branch of the Bank of China, held a launching ceremony for the issuance of RMB "coin purses" to 15,457 taxis in Xi'an.
The person in charge of the Shaanxi branch of the People's Bank of China said that a number of centralized distribution of "coin purse" activities were carried out in order to break through the pain points and difficulties in cash payment, continuously improve the people's sense of access and satisfaction with payment services, and make positive contributions to promoting the high-quality economic and social development of Shaanxi Province.
Looking further, it turns out that Shaanxi is not the first case, and the Fujian branch of the People's Bank of China has put a total of 21,106 "coin purses" with a total amount of 6.5306 million yuan
According to the official website of the Fujian Branch of the People's Bank of China on March 14, as of March 8, the "coin wallet" business in Fujian Province has basically covered the banking financial institutions handling cash deposit and withdrawal business in the province, with a total of 21,106 "coin purses" with a total amount of 6.5306 million yuan, effectively improving the level of cash services and winning wide acclaim from the society.
After checking these news, "Jiunong" has been unable to sleep for a long time, and there are three problems that have been bothering me, especially the third one, and I still can't figure it out until now!
What exactly is a "coin purse"?
When I opened the comment section of the news, I found that there were many people who had the same confusion as me.
The article looks at the end from the beginning and still does not understand what a "coin purse" is. What is the purpose of a wallet that does not have zero yuan?
The text is broad and profound, and the bank increases the patient service window for the elderly, so as to be practical.
Zero has two meanings, one: it represents "nothing", no, I have "0 yuan", that is, there is no money. 2. Change, compared with 100 yuan bills, 1 yuan, 2 yuan, 5 yuan, and even 10, 20, 50 yuan, should be change! The government gives "coin purses" to the elderly, which reflects the care for the elderly!
The picture comes from CCTV
However, through a picture in the news report, I can see clearly: the so-called "coin purse" issued is a red cloth bag, on which are written the three big characters "coin purse", and when the cloth bag is opened, there are RMB with face values ranging from 1, 5, and 10 yuan. To put it simply, it is "a cloth bag with change"!
Why send a "coin purse"?
This is how the official source explains. The purpose of distributing "coin purses" to the elderly is to solve the problems of the elderly in the use of smart technology in the field of payment and the difficulty of cash "change". The purpose of issuing "coin purses" to taxis is to meet the cash payment needs of the elderly, foreigners and other groups, and to provide a more convenient and safe payment experience for taxi drivers and passengers.
Is the "coin purse" issued or exchanged?
Judging from the news reports and the official website, I have not figured out whether the "change" in the "coin purse" for the elderly, taxis, and merchants is given by the bank? Or do the people need to pay and exchange it themselves? If it is distributed free of charge by the bank, it is fine, but if it is necessary for us ordinary people to pay their own money to exchange, then is it not "a procedure to take off your pants and fart and do it in vain"?
A few thoughts
In addition to absorbing deposits and issuing loans, banks should have been responsible for satisfying the people's normal demand for withdrawals, but I don't know when the minimum face value that can be withdrawn from the all-in-one deposit and withdrawal machine has become 50 yuan, and some even have been 100 yuan at all. And if the common people want to take a small amount of three or five hundred yuan, they can only queue up at the few counter windows to get it.
It is true that with the popularization of mobile payment methods, everyone's demand for cash is not as strong as before, but there are fewer renminbi with smaller face values circulating in the market, which leads to the use of the elderly and the inconvenience of changing in taxis and shops.
If banks can add small denominations of currency to the deposit and withdrawal machines, and the people can take them out; or if the bank can open a few more service windows so that the people can withdraw or exchange money at the windows, why do they need to "find a way" and "go through a lot of trouble" in such a big way? "The ugliness of the family is publicized", and I don't know whether it is smart or stupid!
Is this a kind of "formalism"? Is it a "formality" to regard a business that should be undertaken by the bank as a measure for the implementation of the policy, which is inconvenient for the elderly to use money and for taxis and merchants to make change due to their own reasons?
What do you think about the "coin purse" issued by banks?