近年来,人民银行在农村地区积极推广互联网支付业务,取得了显著的成效,但也遇到了一些制约因素。制约因素消费习惯需要培养。目前,农村地区仍习惯于以现金为主要结算方式,主要是现金结算看得见、摸得着,能够面对面的完成结算,没有信用风险和流动性风险。相当一部分农户对手机支付、网上支付的认知度不高,对电子银行业务 In recent years, the People’s Bank of China has actively promoted Internet payment services in rural areas and achieved remarkable results, but it also encountered some constraints. Constraints Consumer habits need to be cultivated. At present, rural areas are still accustomed to using cash as the main method of settlement, mainly because they are visible and tangible in cash settlement, and can complete face-to-face settlement without credit risks and liquidity risks. A considerable number of farmers have low awareness of mobile payment and online payment, and they have a