中国邮政储蓄的发展途径研究.rar

中文摘要
中国邮政储蓄恢复开办近二十年，依靠其特殊的经营政策，储蓄余额飞速增
长，在一定时期内为国民经济建设做出过特殊贡献。但随着国家宏观经济形势的
转变，邮政储蓄利用网点优势积聚居民闲散资金的功能己不复存在，而且其从人
行赚取的巨额利差已成为央行和财政的沉重负担。于是如何为邮政储蓄寻找新的
出路，成为各方关注的焦点，邮政储蓄的改革已迫在眉睫。本文就这一问题从以
下几方面进行了探讨，试图为邮政储蓄寻找到一条合适的发展途径:
l、从邮政储蓄的发展现状分析其问题所在，揭示邮政储蓄进行改革的必要性
和必然性。
2、分析目前国内银行业的市场环境、竞争格局及国际银行业未来发展趋势，
为邮政储蓄进行正确的市场定位提供依据。
3、分析国外邮政金融改革的成功范例，为国内邮政储蓄改革提供经验借鉴。
4、对于邮政储蓄未来出路，学术界仁者见仁、智者见智，本文对于时下几种
具有代表性的观点进行了评析，以借鉴其精华。
5、邮政储蓄改革最终必然要牵涉到其与邮政主业进行资产剥离，文章就这一
问题进行了简要分析。
6、为邮政储蓄提供一条切实可行的发展途径。
关键词:邮政，金融，改革
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目录
第一篇我国邮政储蓄发展现状······················································……1
一、邮政储蓄在特殊的情形卜产生····························································……1
止、邮政储蓄快速发展的原因分析····························，·············，····，············……1
三、邮政储蓄快速增长引发了一系列问题···················································……2
四、邮储面临改革及其发展趋势····························································……4
第二篇邮政储蓄所处国内银行金融业的现实状况与发展趋势···············……7
一四大国有商业银行仍占主导·······························································……7
二、中小银行寻找生存空间····························································……
三、外资银行纷纷抢滩中国市场，中外银行竞争激烈································一们
四、国际银行业未来发展趋势，·····················································……14
第三篇国内邮政储蓄发展的国际借鉴··········································……17
一、邮政与金融混同经营模式······················································……17
三、邮政与金融分离经营模式·························································……18
邮政退出金融领域················································，··············……19
具有行政色彩的邮政储蓄模式一日本邮政储蓄·································……20
三四
第四篇、我国邮政储蓄发展的模式选择····……:..·····························……23
一邮储银行模式选择··..