对中国邮政储蓄制度安排的审视与思考

Survey and Think of The China's Post-Saving System

本文根据作者掌握的档案文献资料和调查情况 ,回顾了中国邮政储蓄制度的历史沿革及发展转迹 ,并通过有关情况和数据的比较分析 ,揭示了当前中国邮政储蓄制度安排中的特征 ,文章表明 ,由于政策安排的不当 ,使整个金融体系中存在着一类特殊的金融机构———其管理人员和经营状况半游离于监管体系之外 ,央行确定其的资金价格远高于市场水平 ,由此对货币政策和金融监管构成压力。文章最后提出了解决这一问题的思路与建议。

Based on the literature information and investigate on the spot,this paper reviews the historical evolution and development of the China post deposit system..It opens out the character of the China post deposit system arrangement.This paper indicates the policy deal unsuitable by way of contrast and analyze its development and number data.There is a special financial deposit organization in the financial system.Its running status and advance manager are separated from the system of supervision.The Central Bank confirms the price of fund go beyond the market price Level.There fore,it adds pressure to monetary policy and financial supervison.We bring forword some thoughts and advice to resolve this problem at the end of the paper.