对邮储转存款利率下调后存款仍快速增长的思考

Some Thoughts about the Rapid Growth of Deposits in the Event That the Redeposit Interest Rate of Postal Savings Comes Down

央行自2003年8月1日起,对邮政储蓄存款转存款利率进行了政策调整,由原来的4.131%降至1.89%,以抑制邮政储蓄业务的过快增长速度,实际情况是邮政储蓄发展势头逆政策而行,呈现快速增长之势。对此,人民银行要综合制定调控政策,银行监管部门要加强监管力度,以保证邮政储蓄健康发展。

On August 1, 2003, the central bank adjusted the redeposit interest rate of postal savings, reducing the percentage of 4.131 to that of 1.89. Although this policy aims at restraining the excessive growth of postal savings, yet the reality is that the development of postal savings proceeds against the policy and presents a momentum of rapid growth. With regard to this condition, the central bank must comprehensively formulate control policies and banking regulation sectors must tighten their regulation. Only thus can they ensure the sound development of postal savings.