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The payment system is the core infrastructure supporting economic and financial development.The improvement of the payment service and the perfection of the payment system in rural areas has vital implication of improving service of rural payment and consolidating rural payment and settlement system to entail diversified requirements of payment in multi-level rural financial markets, improving performance of funding in underdevelopment rural areas, enhancing the security of capital utilization, and guaranteeing the implementation of the state policy of patronizing and supporting rural areas.