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邮政储蓄缴存款和邮政汇兑资金往来结算,是邮政部门在人民银行办理的两大业务。众所周知,这两项资金性质不同,因而不能混淆。为此,人民银行总行曾明文规定,邮政部门不得将客户的汇兑款事先转入储蓄存款中。就是说,“汇转储”的产生要以客户自愿为前提。然而,我县邮政部门每月都有几笔从“邮政汇兑资金往来”科目转到“邮政储蓄缴存款”科目的款项。而“邮政储蓄缴存款”的整体利率比较高,
Postal savings deposit and postal exchange funds settlement, is the postal department in the People’s Bank for the two major businesses. As we all know, the two funds are of different nature and should not be confused. To this end, the People’s Bank of China Bank has expressly provided that the postal service shall not transfer the foreign exchange funds of customers into savings deposits in advance. That is to say, “Exchange Transfer Reserve” to the production of voluntary customers as a precondition. However, there are a few monthly payments made by the postal department of our county from Postal Exchange Funds to Postal Savings Accounts subjects. The “postal savings deposit payment,” the overall interest rate is relatively high,