邮政储蓄发展问题及对策研究(68页).rar
邮政储蓄发展问题及对策研究(68页),摘要随着我国加入wto和国内金融改革的深入、金融机构不断增加，各金融机构之间的竞争更加激烈，如何保证我国金融市场有序、规范发展，是我国金融主管部「〕和各金融单位都在关注和思考的问题。1986年恢复开办且只面向个人提供金融服务的邮政储蓄经过十多年的发展，为国家经济建设和我国邮政事业的发展做出了重要贡献，其规模现仅次于国有...
该文档为压缩文件,包含的文件列表如下:
内容介绍
原文档由会员 白痴学东西 发布
摘要
随着我国加入WTO和国内金融改革的深入、金融机构不断增加，各金融机构
之间的竞争更加激烈，如何保证我国金融市场有序、规范发展，是我国金融主管部
「〕和各金融单位都在关注和思考的问题。1986年恢复开办且只面向个人提供金融
服务的邮政储蓄经过十多年的发展，为国家经济建设和我国邮政事业的发展做出了
重要贡献，其规模现仅次于国有四大商业银行和农村信用社，其收入也占整个邮政
业务收入的三分之一，邮政储蓄目前不但在我国金融市场占有重要一席，也是我国
邮政业的一个支撑业务。但面对宏观金融形势，由非金融机构的中国邮政部门经营
管理的邮政储蓄面临的问题及发展方向引起许多方面注意，如其业务主管部门在组
织结构上仅为邮政部门一个专业局，对各区(县)邮政局从事邮政储蓄的人、财、
物均不能直接有效管理，同时因邮政储蓄的经营和管理与其它邮政业务混在一起，
人民银行也不能对其进行有效监管，这就容易导致各邮政局违规经营邮政储蓄，进
而导致一系列问题出现。若这些问题不能解决好，不仅将影响我国邮政储蓄业务的
发展，且有可能会对我国金融市场造成巨大的不良影响。本文从战略管理角度出发，
对我国邮政储蓄现状、面临的问题及其产生原因作一较为全面的分析，提出邮政储
蓄的发展战略思路，以促进邮政储蓄规范、健康、长远地发展。其研究对我国邮政
储蓄在实际工作中可作为参考，也是对所学相关理论在应用上的一个拓展。
本文分析了影响储蓄业务发展的各主要因素，结合国内外邮政储蓄发展历史
和现状，重点分析了我国邮政储蓄面临的内外部环境情况，进行邮政储蓄EFE和IFE
评价矩阵分析，得出关键内部优势、弱点和关键外部机会、威胁，结果表明邮政储
蓄若能好好利用外部环境因素，将会取得极为显著的效果，而我国邮政储蓄的内部
状况处于弱势。进行邮政储蓄SWOT分析，对邮政储蓄备选战略进行QSPM矩阵
评价分析，提出邮政储蓄发展的基本竞争战略思路。通过对邮政储蓄发展的战略框
架分析，提出了邮政储蓄要改变目前的困境，充分发挥优势，必须在其体制、人力
资源、品牌形象和业务创新等方面进行改革或加强建设的战略框架思路，以使邮政
储蓄在激烈的金融竞争环境中能获得生存和更大的发展。最后结合重庆邮政储蓄的
一些具体情况，提出了相关政策性建议。
关键词:金融，邮政储蓄，发展战略
中文摘要································································································……
英文摘要································································································……H
1绪论································································································……
1.1课题研究背景·······················································································……
l.2课题研究内容和目的···········································································...……
1.3课题的研究方法和研究思路·····································································……
2储蓄在国民经济中的作用···············································...··.·············……
2.1储蓄的含义及其在国民经济中的作用·························································……
2.1.1储蓄的历史及现代含义··································································......……
2.1.2我国储蓄在国民经济中的作用·······························································……
2.2我国邮政储蓄在国民经济中的作用····························································……
2.3影响我国居民储蓄决定的主要因素····························································……
3国内外邮政储蓄现状·····································································……12
3.1国外邮政储蓄现状··············································································……12
3.2国内邮政储蓄现状··············································································……巧
3.2.1国内邮政储蓄现状···········································································……巧
3.2.2重庆市邮政储蓄现状······································································.·……20-..
随着我国加入WTO和国内金融改革的深入、金融机构不断增加，各金融机构
之间的竞争更加激烈，如何保证我国金融市场有序、规范发展，是我国金融主管部
「〕和各金融单位都在关注和思考的问题。1986年恢复开办且只面向个人提供金融
服务的邮政储蓄经过十多年的发展，为国家经济建设和我国邮政事业的发展做出了
重要贡献，其规模现仅次于国有四大商业银行和农村信用社，其收入也占整个邮政
业务收入的三分之一，邮政储蓄目前不但在我国金融市场占有重要一席，也是我国
邮政业的一个支撑业务。但面对宏观金融形势，由非金融机构的中国邮政部门经营
管理的邮政储蓄面临的问题及发展方向引起许多方面注意，如其业务主管部门在组
织结构上仅为邮政部门一个专业局，对各区(县)邮政局从事邮政储蓄的人、财、
物均不能直接有效管理，同时因邮政储蓄的经营和管理与其它邮政业务混在一起，
人民银行也不能对其进行有效监管，这就容易导致各邮政局违规经营邮政储蓄，进
而导致一系列问题出现。若这些问题不能解决好，不仅将影响我国邮政储蓄业务的
发展，且有可能会对我国金融市场造成巨大的不良影响。本文从战略管理角度出发，
对我国邮政储蓄现状、面临的问题及其产生原因作一较为全面的分析，提出邮政储
蓄的发展战略思路，以促进邮政储蓄规范、健康、长远地发展。其研究对我国邮政
储蓄在实际工作中可作为参考，也是对所学相关理论在应用上的一个拓展。
本文分析了影响储蓄业务发展的各主要因素，结合国内外邮政储蓄发展历史
和现状，重点分析了我国邮政储蓄面临的内外部环境情况，进行邮政储蓄EFE和IFE
评价矩阵分析，得出关键内部优势、弱点和关键外部机会、威胁，结果表明邮政储
蓄若能好好利用外部环境因素，将会取得极为显著的效果，而我国邮政储蓄的内部
状况处于弱势。进行邮政储蓄SWOT分析，对邮政储蓄备选战略进行QSPM矩阵
评价分析，提出邮政储蓄发展的基本竞争战略思路。通过对邮政储蓄发展的战略框
架分析，提出了邮政储蓄要改变目前的困境，充分发挥优势，必须在其体制、人力
资源、品牌形象和业务创新等方面进行改革或加强建设的战略框架思路，以使邮政
储蓄在激烈的金融竞争环境中能获得生存和更大的发展。最后结合重庆邮政储蓄的
一些具体情况，提出了相关政策性建议。
关键词:金融，邮政储蓄，发展战略
中文摘要································································································……
英文摘要································································································……H
1绪论································································································……
1.1课题研究背景·······················································································……
l.2课题研究内容和目的···········································································...……
1.3课题的研究方法和研究思路·····································································……
2储蓄在国民经济中的作用···············································...··.·············……
2.1储蓄的含义及其在国民经济中的作用·························································……
2.1.1储蓄的历史及现代含义··································································......……
2.1.2我国储蓄在国民经济中的作用·······························································……
2.2我国邮政储蓄在国民经济中的作用····························································……
2.3影响我国居民储蓄决定的主要因素····························································……
3国内外邮政储蓄现状·····································································……12
3.1国外邮政储蓄现状··············································································……12
3.2国内邮政储蓄现状··············································································……巧
3.2.1国内邮政储蓄现状···········································································……巧
3.2.2重庆市邮政储蓄现状······································································.·……20-..
