{"title":"业务通讯员(BCs)在金融服务中的作用--深入尚未覆盖的农村地区--泰米尔纳德邦案例研究","authors":"Dhevan Kandasamy","doi":"10.59413/ajocs/v5.i1.3","DOIUrl":null,"url":null,"abstract":"BCs are honest workers working in rural India, elevating the country from the viewpoint of financial services to world-level recognition in terms of financial inclusion by opening bank accounts and collecting deposits, as well as other financial services having networks with commercial banks. As per the Reserve Bank of India’s (RBI) FY22 annual report, the total number of business correspondents in villages has increased from more than 11.9 lakh in 2020 to 18.44 lakh in 2021, reflecting the penetration and scale that banks generate partnering with BCs. Ultimately, the rural people who opened a bank account under PMJDY got the benefit. With this background, the study has attempted to study the role played by the BCs in rural areas and to find the problems faced by the BCs, especially women, while rendering services. This present research is carried out based on a case study method and is descriptive in nature. The study was undertaken purposefully in two districts of Tamil Nadu, Dharmapuri and Dindigul. In Dharmapuri, the Indian Bank Morappur Branch and in Dindigul District, the Canara Bank Gandhigram Branch have been selected for the study. It was concluded that the average salary for the BCs here ranges between Rs. 3000 and Rs. 6000. It should be increased considerably; otherwise, the BCs will try to charge additional money from the account holder for their doorstep services. Adopting the BC model in the cooperative sector leads to faster financial inclusion.","PeriodicalId":396950,"journal":{"name":"African Journal of Commercial Studies","volume":"87 16","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Role of Business Correspondents (BCs) in Financial Services – Reaching in Unreached Rural Areas – A Case Study in Tamil Nadu\",\"authors\":\"Dhevan Kandasamy\",\"doi\":\"10.59413/ajocs/v5.i1.3\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"BCs are honest workers working in rural India, elevating the country from the viewpoint of financial services to world-level recognition in terms of financial inclusion by opening bank accounts and collecting deposits, as well as other financial services having networks with commercial banks. As per the Reserve Bank of India’s (RBI) FY22 annual report, the total number of business correspondents in villages has increased from more than 11.9 lakh in 2020 to 18.44 lakh in 2021, reflecting the penetration and scale that banks generate partnering with BCs. Ultimately, the rural people who opened a bank account under PMJDY got the benefit. With this background, the study has attempted to study the role played by the BCs in rural areas and to find the problems faced by the BCs, especially women, while rendering services. This present research is carried out based on a case study method and is descriptive in nature. The study was undertaken purposefully in two districts of Tamil Nadu, Dharmapuri and Dindigul. In Dharmapuri, the Indian Bank Morappur Branch and in Dindigul District, the Canara Bank Gandhigram Branch have been selected for the study. It was concluded that the average salary for the BCs here ranges between Rs. 3000 and Rs. 6000. It should be increased considerably; otherwise, the BCs will try to charge additional money from the account holder for their doorstep services. Adopting the BC model in the cooperative sector leads to faster financial inclusion.\",\"PeriodicalId\":396950,\"journal\":{\"name\":\"African Journal of Commercial Studies\",\"volume\":\"87 16\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2024-07-09\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"African Journal of Commercial Studies\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.59413/ajocs/v5.i1.3\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"African Journal of Commercial Studies","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.59413/ajocs/v5.i1.3","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
摘要
业务通讯员是在印度农村工作的诚实劳动者,他们通过开设银行账户、收取存款以及与商业银行建立网络的其他金融服务,将印度从金融服务的角度提升到世界级的普惠金融水平。根据印度储备银行(RBI)22 财年的年度报告,乡村商业通讯员的总人数已从 2020 年的 1190 多万人增加到 2021 年的 1844 万人,这反映了银行与 BC 合作产生的渗透力和规模。最终,在 PMJDY 下开立银行账户的农村居民得到了实惠。在此背景下,本研究试图研究农村地区商业银行所发挥的作用,并找出商业银行(尤其是妇女)在提供服务时所面临的问题。本研究以案例研究法为基础,属于描述性研究。研究有目的地在泰米尔纳德邦的两个地区进行,即达尔马普里和丁迪古尔。在达尔马普里,印度银行 Morappur 分行被选作研究对象;在丁迪古尔区,卡纳拉银行 Gandhigram 分行被选作研究对象。研究得出的结论是,这里的 BC 平均工资介于 3000 卢比和 6000 卢比之间。应大幅提高这一工资水平,否则 BC 将试图向账户持有人收取额外的上门服务费用。在合作社部门采用业务主管模式可加快金融包容性。
Role of Business Correspondents (BCs) in Financial Services – Reaching in Unreached Rural Areas – A Case Study in Tamil Nadu
BCs are honest workers working in rural India, elevating the country from the viewpoint of financial services to world-level recognition in terms of financial inclusion by opening bank accounts and collecting deposits, as well as other financial services having networks with commercial banks. As per the Reserve Bank of India’s (RBI) FY22 annual report, the total number of business correspondents in villages has increased from more than 11.9 lakh in 2020 to 18.44 lakh in 2021, reflecting the penetration and scale that banks generate partnering with BCs. Ultimately, the rural people who opened a bank account under PMJDY got the benefit. With this background, the study has attempted to study the role played by the BCs in rural areas and to find the problems faced by the BCs, especially women, while rendering services. This present research is carried out based on a case study method and is descriptive in nature. The study was undertaken purposefully in two districts of Tamil Nadu, Dharmapuri and Dindigul. In Dharmapuri, the Indian Bank Morappur Branch and in Dindigul District, the Canara Bank Gandhigram Branch have been selected for the study. It was concluded that the average salary for the BCs here ranges between Rs. 3000 and Rs. 6000. It should be increased considerably; otherwise, the BCs will try to charge additional money from the account holder for their doorstep services. Adopting the BC model in the cooperative sector leads to faster financial inclusion.