摘要
隨著我國加入WTO和國內(nèi)金融改革的深入、金融機(jī)構(gòu)不斷增加，各金融機(jī)構(gòu)
之間的競爭更加激烈，如何保證我國金融市場有序、規(guī)范發(fā)展，是我國金融主管部
「〕和各金融單位都在關(guān)注和思考的問題。1986年恢復(fù)開辦且只面向個(gè)人提供金融
服務(wù)的郵政儲蓄經(jīng)過十多年的發(fā)展，為國家經(jīng)濟(jì)建設(shè)和我國郵政事業(yè)的發(fā)展做出了
重要貢獻(xiàn)，其規(guī)?，F(xiàn)僅次于國有四大商業(yè)銀行和農(nóng)村信用社，其收入也占整個(gè)郵政
業(yè)務(wù)收入的三分之一，郵政儲蓄目前不但在我國金融市場占有重要一席，也是我國
郵政業(yè)的一個(gè)支撐業(yè)務(wù)。但面對宏觀金融形勢，由非金融機(jī)構(gòu)的中國郵政部門經(jīng)營
管理的郵政儲蓄面臨的問題及發(fā)展方向引起許多方面注意，如其業(yè)務(wù)主管部門在組
織結(jié)構(gòu)上僅為郵政部門一個(gè)專業(yè)局，對各區(qū)(縣)郵政局從事郵政儲蓄的人、財(cái)、
物均不能直接有效管理，同時(shí)因郵政儲蓄的經(jīng)營和管理與其它郵政業(yè)務(wù)混在一起，
人民銀行也不能對其進(jìn)行有效監(jiān)管，這就容易導(dǎo)致各郵政局違規(guī)經(jīng)營郵政儲蓄，進(jìn)
而導(dǎo)致一系列問題出現(xiàn)。若這些問題不能解決好，不僅將影響我國郵政儲蓄業(yè)務(wù)的
發(fā)展，且有可能會對我國金融市場造成巨大的不良影響。本文從戰(zhàn)略管理角度出發(fā)，
對我國郵政儲蓄現(xiàn)狀、面臨的問題及其產(chǎn)生原因作一較為全面的分析，提出郵政儲
蓄的發(fā)展戰(zhàn)略思路，以促進(jìn)郵政儲蓄規(guī)范、健康、長遠(yuǎn)地發(fā)展。其研究對我國郵政
儲蓄在實(shí)際工作中可作為參考，也是對所學(xué)相關(guān)理論在應(yīng)用上的一個(gè)拓展。
本文分析了影響儲蓄業(yè)務(wù)發(fā)展的各主要因素，結(jié)合國內(nèi)外郵政儲蓄發(fā)展歷史
和現(xiàn)狀，重點(diǎn)分析了我國郵政儲蓄面臨的內(nèi)外部環(huán)境情況，進(jìn)行郵政儲蓄EFE和IFE
評價(jià)矩陣分析，得出關(guān)鍵內(nèi)部優(yōu)勢、弱點(diǎn)和關(guān)鍵外部機(jī)會、威脅，結(jié)果表明郵政儲
蓄若能好好利用外部環(huán)境因素，將會取得極為顯著的效果，而我國郵政儲蓄的內(nèi)部
狀況處于弱勢。進(jìn)行郵政儲蓄SWOT分析，對郵政儲蓄備選戰(zhàn)略進(jìn)行QSPM矩陣
評價(jià)分析，提出郵政儲蓄發(fā)展的基本競爭戰(zhàn)略思路。通過對郵政儲蓄發(fā)展的戰(zhàn)略框
架分析，提出了郵政儲蓄要改變目前的困境，充分發(fā)揮優(yōu)勢，必須在其體制、人力
資源、品牌形象和業(yè)務(wù)創(chuàng)新等方面進(jìn)行改革或加強(qiáng)建設(shè)的戰(zhàn)略框架思路，以使郵政
儲蓄在激烈的金融競爭環(huán)境中能獲得生存和更大的發(fā)展。最后結(jié)合重慶郵政儲蓄的
一些具體情況，提出了相關(guān)政策性建議。
關(guān)鍵詞:金融，郵政儲蓄，發(fā)展戰(zhàn)略
中文摘要································································································……
英文摘要································································································……H
1緒論································································································……
1.1課題研究背景·······················································································……
l.2課題研究內(nèi)容和目的···········································································...……
1.3課題的研究方法和研究思路·····································································……
2儲蓄在國民經(jīng)濟(jì)中的作用···············································...··.·············……
2.1儲蓄的含義及其在國民經(jīng)濟(jì)中的作用·························································……
2.1.1儲蓄的歷史及現(xiàn)代含義··································································......……
2.1.2我國儲蓄在國民經(jīng)濟(jì)中的作用·······························································……
2.2我國郵政儲蓄在國民經(jīng)濟(jì)中的作用····························································……
2.3影響我國居民儲蓄決定的主要因素····························································……
3國內(nèi)外郵政儲蓄現(xiàn)狀·····································································……12
3.1國外郵政儲蓄現(xiàn)狀··············································································……12
3.2國內(nèi)郵政儲蓄現(xiàn)狀··············································································……巧
3.2.1國內(nèi)郵政儲蓄現(xiàn)狀···········································································……巧
3.2.2重慶市郵政儲蓄現(xiàn)狀······································································.·……20-..