The Difficulties Faced By China's Postal Savings And Their Countermeasures

This is the first article about the problems and difficulties of China postal savings and the comprehensive and systematic solution. There are four chapters in this article.In chapter one, I summary the domestic postal savings, and then brief the postal savings of the developed country, just hope to provide some beneficial enlightenment to our China postal savings.In chapter two, I state in detail about the present main question and difficulty of postal savings, and profoundly analyze the reason. I think the biggest reason lies in the system of postal savings, there must be something wrong with the system. There are some other reasons. Firstly, the postal savings development lag in the entire financial system market, such as too sole service, low personnel quality, lag and not very standard internal management, and be short of exterior supervising and managing etc. secondly, the non-independent calculation mechanism of postal savings; thirdly, the entire postal service department deficient vigor and competition consciousness; fourthly, at present the postal savings technical level is still very weak.The third chapter is the key content of this article. I explore some good response for the development of postal savings .The most important thing is to reform the system of postal savings, and give it a clear market positioning. According to the overseas success experience, I believe that to establish independent calculates postal savings bank is the ultimately organizational reform of the world postal savings, also is the final direction of the postal savings organizational reform of our country. Here I focus on three aspects of exploration the solution. The first is to make good use of postal savings funds, the postal savings utilization of capital...