中国邮政储蓄制度变迁:历史与趋势

The Institutional Transition of China's Post Saving: History and Trend

邮政储蓄自恢复以来得到了迅速发展,但其负外部性逐渐凸现,从而影响到了中国经济发展的整体结构和金融体系的正常秩序。邮政储蓄制度改革已成为中国金融体系改革所关注的焦点之一,问题的产生在于背后的制度因素,制度变迁应该是改革邮政储蓄机构的根本路径。就邮政储蓄制度的现实而言,机构银行化是一个取向,但也并非一蹴而就,而表现为一个过程。改革推动者应该遵循整体利益大于制度成本的原则设计制度安排。

The post saving has seen a rapid growth after tieing resumed, but its negative externality is becoming obvious, which has affection on the overall structure of China's economic development and normal order of the financial system. The reform of the post saving becomes a key issue in China's financial reform. The reason of this problem lies in the institution, so institutional transition would be the fundamental solution. Thinking of the current situation, it may be a possible choice to change post saving into banks. However, it is a process instead of immediate change. The institutional transition should be carried out under the principal of whole gain exceeding institutional cost.