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近年来,在国有商业银行逐步从农村市场退出的同时,邮政金融机构逐渐成为农村地区支付结算服务市场的重要力量,但相对其系统、网络、品牌优势而言,邮政金融机构向农村地区提供的支付结算服务仍明显不足。找出制约邮政金融业务发展的主要问题,并针对性地提出相关政策建议,对于完善农村支付结算体系,服务社会主义新农村建设具有重要意义。分析我国农村地区邮政业务的现状可以得知,制约其发展的主要障碍因素有:(1)业务发展的超前性与监管政策的滞后性的矛盾。监管部门对邮政储蓄业务
In recent years, while state-owned commercial banks have gradually withdrawn from the rural market, the postal financial institutions have gradually become an important force in the payment settlement service market in rural areas. However, compared with the system, network and brand advantages, the postal financial institutions provide rural areas with Payment settlement services are still obviously inadequate. Identifying the main problems restricting the development of the postal financial business and putting forward the relevant policy recommendations in a targeted manner are of great significance to improving the rural payment and settlement system and serving the construction of a new socialist countryside. Analysis of the status quo of postal services in rural areas in China can be learned that the main obstacles to its development are: (1) business development and regulatory lagging behind the conflict. Regulatory authorities postal savings business