关于我国邮政金融改革的思考

Deep Reflection on the Reform of Postal Finance in China

邮政储蓄在央行支持下长期以来得到了迅速的发展,而在新政策和金融改革逐步推进的压力下,随着转存款利率的不断调低,邮政储蓄面临巨大的挑战。根据各国改革的经验,我国邮政储蓄的改革很有可能是先实现邮政储蓄的独立经营,之后再完成股份制改造。在其模式选择上,提出了以批发业务为主的商业银行和组建全国最大的零售银行两种模式。

With the support of the Central Bank, postal savings have developed very quickly. But it is in the face of great challenges under the pressure of new policy and financial reform. With the decreasing of deposit re-interest rate, the postal savings must reform to survive and develop. According to successful experiences of other countries, the reform of postal finance in our country would begin with its individual management and then carry out the conversion to joint-stock system. Finally, it analyzes advantages and disadvantages of wholesale bank and retail bank.