邮政储蓄银行市场竞争中存在的问题及对策——以通化地区为例  

A Solution to the Problems Confronted with the Market Competition of Postal Savings Bank

作　　者：倪培元[1] 

机构地区：[1]中国人民银行辉南县支行,吉林通化134001

出　　处：《吉林金融研究》2011年第2期51-53,共3页Journal of Jilin Financial Research

摘　　要：邮政储蓄银行自成立以来,为城市社区和广大农村地区居民提供基础金融服务,与其他商业银行形成互补关系,有力地促进了社会主义新农村建设和城乡经济协调发展,在金融机构中占居了一席之地。但是由于其成立较晚,经营管理中还存在一定的问题。笔者通过对通化地区的调查发现邮政储蓄银行仍然存在综合业务能力低、信贷市场份额小、经营风险高等问题,并提出了相应的解决对策。Since postal savings banks were established,they provide basic financial services for urban communities and rural residents,complement the other commercial banks,has become a indispensable part of the financial institutions. However,there are still some problems in the management of the postal savings bank,partly because that it was newly established. After studied the postal savings banks in Tonghua,the author believed that problems such as low level of the integrated services,smaller share of the credit market and high risk of business still exist,and proposed some corresponding solutions.

关 键 词：邮政储蓄银行 农村金融 市场竞争 

分 类 号：F832.3[经济管理—金融学]