论文部分内容阅读
邮政储蓄作为我国金融业的重要组成部分,对于服务群众,增强央行宏观调控能力发挥了积极的作用,但随着经济形势的变化和金融体制改革的深入,邮政储蓄经营和监管也逐渐暴露出一些亟待解决的问题。 一、邮政储蓄发展情况及原因 九江市邮政储蓄自1986年恢复开办以来,特别是近几年来,在邮政系统上下的共同努力下,其业务有了迅速的发展,己经成为金融系统中一支重要的力量。其表现有三个方面:一是存款增长迅速。1998年至2002年九江市邮政储蓄年均递增48.7％,比同期国有商业银行和农村信用社年均递增多增42个百分点。二是市场份额不断扩大。邮政储蓄占全市储蓄的比重由1998年的4.9％上升到2002年的16.5％。在增加额中,邮政储蓄新增份额巳由1998年的3.4％上升到2002年的37.2％;三是金融产品逐年增多。邮政储
As an important part of China’s financial industry, postal savings plays a positive role in serving the masses and strengthening the central bank’s macro-control ability. However, as the economic situation changes and the financial system reform deepens, postal savings management and supervision gradually reveal some Problems to be solved. First, the development of postal savings and the reasons Jiujiang postal savings since its resumption of operation in 1986, especially in recent years, with the joint efforts of the postal system, its business has developed rapidly, has become a financial system Important power. Its performance has three aspects: First, the rapid growth of deposits. From 1998 to 2002, the postal savings in Jiujiang City increased by an average of 48.7% annually, an increase of 42 percentage points over the average annual increase of state-owned commercial banks and rural credit cooperatives over the same period. Second, the market share continues to expand. The share of postal savings in the city’s savings rose from 4.9% in 1998 to 16.5% in 2002. In the increase, the share of postal savings newly increased from 3.4% in 1998 to 37.2% in 2002; thirdly, the financial products have been increasing year by year. Postal store