邮政储蓄资金回流农村的障碍分析——基于“转存款利率下调后”的视角

Analysis of the Barriers of the Postal Savings Fund Returning the Rural Area——Basing on the Phenomenon of Deposit Rate Fall

邮政储蓄原有“只存不贷”的资金运作方式造成巨额农村资金的外流,严重加剧了农村信贷资金供给的不足,影响了农村经济的发展。2003年9月1日,中国人民银行大幅下调了邮政储蓄转存款利率,改革了邮储资金的运作方式。本文主要对改革以后邮政储蓄资金回流农村的情况进行考察,分析存在的问题并提出相应的对策与建议。

The postal savings＂ , original operating way of ＂only save not loan＂ has caused a large amount of rural area fund outflow, which seriously intensified the insufficiency of rural area credit fund supplies, and restricted the development of rural economy. On September 1st, 2003, the People＂ s Bank of China largely declined the interest rate of the postal savings transferring and reformed the way of postal savings＂ operation. This article will study the present situation of postal savings fund backflow rural area after reforming, analyze the current questions and propose the corresponding suggestions.