中文摘要
中國郵政儲(chǔ)蓄恢復(fù)開辦近二十年，依靠其特殊的經(jīng)營政策，儲(chǔ)蓄余額飛速增
長，在一定時(shí)期內(nèi)為國民經(jīng)濟(jì)建設(shè)做出過特殊貢獻(xiàn)。但隨著國家宏觀經(jīng)濟(jì)形勢(shì)的
轉(zhuǎn)變，郵政儲(chǔ)蓄利用網(wǎng)點(diǎn)優(yōu)勢(shì)積聚居民閑散資金的功能己不復(fù)存在，而且其從人
行賺取的巨額利差已成為央行和財(cái)政的沉重負(fù)擔(dān)。于是如何為郵政儲(chǔ)蓄尋找新的
出路，成為各方關(guān)注的焦點(diǎn)，郵政儲(chǔ)蓄的改革已迫在眉睫。本文就這一問題從以
下幾方面進(jìn)行了探討，試圖為郵政儲(chǔ)蓄尋找到一條合適的發(fā)展途徑:
l、從郵政儲(chǔ)蓄的發(fā)展現(xiàn)狀分析其問題所在，揭示郵政儲(chǔ)蓄進(jìn)行改革的必要性
和必然性。
2、分析目前國內(nèi)銀行業(yè)的市場環(huán)境、競爭格局及國際銀行業(yè)未來發(fā)展趨勢(shì)，
為郵政儲(chǔ)蓄進(jìn)行正確的市場定位提供依據(jù)。
3、分析國外郵政金融改革的成功范例，為國內(nèi)郵政儲(chǔ)蓄改革提供經(jīng)驗(yàn)借鑒。
4、對(duì)于郵政儲(chǔ)蓄未來出路，學(xué)術(shù)界仁者見仁、智者見智，本文對(duì)于時(shí)下幾種
具有代表性的觀點(diǎn)進(jìn)行了評(píng)析，以借鑒其精華。
5、郵政儲(chǔ)蓄改革最終必然要牽涉到其與郵政主業(yè)進(jìn)行資產(chǎn)剝離，文章就這一
問題進(jìn)行了簡要分析。
6、為郵政儲(chǔ)蓄提供一條切實(shí)可行的發(fā)展途徑。
關(guān)鍵詞:郵政，金融，改革
AbstfaCt
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目錄
第一篇我國郵政儲(chǔ)蓄發(fā)展現(xiàn)狀······················································……1
一、郵政儲(chǔ)蓄在特殊的情形卜產(chǎn)生····························································……1
止、郵政儲(chǔ)蓄快速發(fā)展的原因分析····························，·············，····，············……1
三、郵政儲(chǔ)蓄快速增長引發(fā)了一系列問題···················································……2
四、郵儲(chǔ)面臨改革及其發(fā)展趨勢(shì)····························································……4
第二篇郵政儲(chǔ)蓄所處國內(nèi)銀行金融業(yè)的現(xiàn)實(shí)狀況與發(fā)展趨勢(shì)···············……7
一四大國有商業(yè)銀行仍占主導(dǎo)·······························································……7
二、中小銀行尋找生存空間····························································……
三、外資銀行紛紛搶灘中國市場，中外銀行競爭激烈································一們
四、國際銀行業(yè)未來發(fā)展趨勢(shì)，·····················································……14
第三篇國內(nèi)郵政儲(chǔ)蓄發(fā)展的國際借鑒··········································……17
一、郵政與金融混同經(jīng)營模式······················································……17
三、郵政與金融分離經(jīng)營模式·························································……18
郵政退出金融領(lǐng)域················································，··············……19
具有行政色彩的郵政儲(chǔ)蓄模式一日本郵政儲(chǔ)蓄·································……20
三四
第四篇、我國郵政儲(chǔ)蓄發(fā)展的模式選擇····……:..·····························……23
一郵儲(chǔ)銀行模式選擇··..