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本文就今年二月第八次降息后,针对邮政储蓄转存款利率的问题,通过分析比较,指出了邮政储蓄存在的不合理的地方,进而阐述了这种有失公平竞争的邮政储蓄所带来的弊端;从营造一个公平竞争的金融环境出发,提出了解决邮政储蓄转存款不尽合理的对策:1、应再降低邮政储蓄转存款利率;2、更新邮政储蓄资金经营机制,自主寻找邮政储蓄资金运用的渠道,实现邮政储蓄收入来源多元化;3、通过人行再贷款的形式,为农村资金“补血”;4、加强对邮政储蓄全方位监管的力度。
After the eighth interest rate cut in February of this year, this paper pointed out the unreasonable postal savings by analyzing and comparing the interest rates of postal savings deposits and deposits, and then elaborated this unfair competition brought by postal savings From the perspective of creating a fair competition in the financial environment, put forward to solve the postal savings deposits transfer unreasonable countermeasures: 1, should reduce the postal savings deposit rates; 2, update the postal savings funds management mechanism, autonomously looking for postal savings The channels for the use of funds to diversify the sources of postal savings income; 3) “blood enrichment” for rural funds through the re-loan of pedestrians; and 4) the all-round supervision over postal savings.