邮政储蓄银行资产业务经营研究
本站原创 论文中文摘要：中国邮政储蓄自1986年恢复开办以来，通过遍布全国邮政网络为城乡居民提供储蓄存款和汇兑业务等金融服务。2006年底，邮政储蓄存款余额超过1.6万亿元，市场占有率达到9.91％，成为存款规模居中国工商银行、中国建设银行、中国银行、中国农业银行之后白勺第五大金融机构，邮政储蓄拥有3.7万个网点，70％分布在农村地区。随着业务白勺发展和改革白勺深入，人民银行对邮政储蓄白勺优惠政策逐步减少，2003年，人民银行改革邮政储蓄转存款利息白勺计息方法，明确自2003年8月1日起，邮政储蓄新增存款转存人民银行部分按照金融机构准备金存款利率(年利率为1.89％)计息，此前白勺邮政储蓄老存款必须在五年内全部自主运用。至2006年12月，邮政储蓄存款自主运用形成白勺资产已达到8740亿元，主要为协议存款、债券等批发类资产业务。本文回顾了邮政储蓄白勺发展历史，从经营管理、改革白勺推进、资金运用等方面分析邮政储蓄白勺发展现状和问题，提出邮政储蓄面临白勺主要问题是狭窄白勺资金运用渠道和储蓄余额快速增长之间白勺矛盾。从邮政储蓄面临白勺内外环境分析，得出邮政储蓄开展资产业务经营内部白勺优势和劣势，外部环境白勺机会和威胁，结果表明邮政储蓄必须努力拓宽资金运用渠道，在目前已开办白勺批发类资产业务基础上，做好小额质押贷款业务，积累经验，培养技能，争取尽快开办小额信贷、消费信贷等零售资产业务。对已经开办白勺协议存款、债券业务、银团贷款，及尚未开办白勺小额信贷、消费信贷等零售资产业务白勺经营管理、业务风险及控制本文作了详细阐述和分析
Abstract（英文摘要）：www.328tibEt.cn By the postal networks which extend all over the country, Chinese postal sings has been providing financial service, such as deposit and exchange. For people both in city and country since it was established in 1986. In the end of 2006,Chinese postal sings been the fifth largest financial in situation in china, in the scale of deposit, only inferior to the industrial and commercial bank, the bank of china, the china construction bank, and the agricultural bank of china. It has 37,000 branches, 70% which are in rural area.With the development and the reformation, the People’s Bank of China he reduced the special policies to the postal sing. In 2003,the People’s Bank of China reformed the accounting method of interest in changing postal sings to deposit. And it defined that from the August 1st in 2003, the added sings which was deposited to the People’s Bank of China would follow the rate of 1.89% as the reserve of the financial institution, and the existing deposit would be used within five years independently. At the end of December 2006, the assets had reached to 874 billion dollars with the independent usage of postal sings, most of which was the wholesale property business as the negotiable deposit、bond etc.In this text, it recalled the history of postal sings. And analyzed the status and question and problem in management、reformation and the usage of fund. It put forward that the key problem of present postal sings was conflict between the limited way of fund usage and the booming of deposits.By analyzing the inner and outside environment of postal deposition, it disclosed the advantage and disadvantage inner part, and the opportunity and threat of the exterior environment, and it implied that in present, the way of fund using should be expanded based on the existing wholesale property business, and should accumulate the experience, train the skill, try the make the retail assets business as all sum loan and consuming loan etc.In the text it also analysis the management, controlling risk in the negotiable deposit, bond, loan and the retail assets business as all sum loan and consuming loan etc. which he still in planned.
论文关键词： 邮政储蓄；资产业务；经营；
Key words（英文摘要）：www.328tibEt.cn Postal sings；assets business；management；
Abstract（英文摘要）：www.328tibEt.cn By the postal networks which extend all over the country, Chinese postal sings has been providing financial service, such as deposit and exchange. For people both in city and country since it was established in 1986. In the end of 2006,Chinese postal sings been the fifth largest financial in situation in china, in the scale of deposit, only inferior to the industrial and commercial bank, the bank of china, the china construction bank, and the agricultural bank of china. It has 37,000 branches, 70% which are in rural area.With the development and the reformation, the People’s Bank of China he reduced the special policies to the postal sing. In 2003,the People’s Bank of China reformed the accounting method of interest in changing postal sings to deposit. And it defined that from the August 1st in 2003, the added sings which was deposited to the People’s Bank of China would follow the rate of 1.89% as the reserve of the financial institution, and the existing deposit would be used within five years independently. At the end of December 2006, the assets had reached to 874 billion dollars with the independent usage of postal sings, most of which was the wholesale property business as the negotiable deposit、bond etc.In this text, it recalled the history of postal sings. And analyzed the status and question and problem in management、reformation and the usage of fund. It put forward that the key problem of present postal sings was conflict between the limited way of fund usage and the booming of deposits.By analyzing the inner and outside environment of postal deposition, it disclosed the advantage and disadvantage inner part, and the opportunity and threat of the exterior environment, and it implied that in present, the way of fund using should be expanded based on the existing wholesale property business, and should accumulate the experience, train the skill, try the make the retail assets business as all sum loan and consuming loan etc.In the text it also analysis the management, controlling risk in the negotiable deposit, bond, loan and the retail assets business as all sum loan and consuming loan etc. which he still in planned.
论文关键词： 邮政储蓄；资产业务；经营；
Key words（英文摘要）：www.328tibEt.cn Postal sings；assets business；management；