县域邮政储蓄银行发展中存在的问题及对策——以河南省原阳县为例  

PROBLEMS IN THE DEVELOPMENT OF COUNTY POSTAL SAVINGS BANK AND COUNTERMEASURES——A case study of Yuanyang of Henan Province

作　　者：李铜山[1] 郝亚玲[1] 

机构地区：[1]河南工业大学粮食经济研究中心,河南郑州450001

出　　处：《河南工业大学学报（社会科学版）》2014年第2期88-92,共5页Journal of Henan University of Technology:Social Science Edition

基　　金：2012年河南省哲学社会科学规划项目(2012BJJ053);2011年河南工业大学高层次人才基金项目(2011BS024);2011年河南工业大学基础研究重点培育计划立项项目(11JCYJ19)

摘　　要：近些年来县域邮政储蓄银行虽然发展较快,但其发展中也暴露出了诸多问题:银行经营管理经验不足;风险控制存在缺陷;网点布局及网点建设不够合理;人员素质和工作水平不高;服务功能欠缺。造成这些问题的成因相当复杂。表象原因包括发展起步晚、经营理念难以满足业务发展的需求、业务人员无法满足点多面广的需求、职工素质难以满足业务拓展的刚性需要;深层原因包括内部治理机制不完善、尚未得到全社会的普遍认可、传统经营方式的惯性制约。要促进县域邮政储蓄银行的又好又快发展,必须采取多种对策措施:丰富经营管理经验,完善风险防控体系,规范网点布局及其建设,提高人员素质及工作水平,完善服务功能。This article analyzes the problems in the development of China＇ s country postal savings banks such as lack of bank management experience, defects in risk control, unreasonable network layout and construction, lower quality of personnel and lower levels of work, imperfect service function and so on. It then analyzes the causes for these problems： surface reasons are late development, management philosophy fails to meet the needs for business development, bank staff can not satisfy the demand over a broad area, the quality of staff is not good enough to meet the rigid needs for business expansion. Underlying causes are as follows： inadequate internal governance mechanism, the fact tirol the banks have not yet been widely recognized by society as a whole and are subject to inertial constraints of the traditional mode of operation. The paper comes up with the following mea.sures of promoting the sound and rapid development of county postal savings banks： enrich management experience, perfect risk control system, regulate network layout and construction, improve the quality of personnel and job level and improve the service functions.

关 键 词：邮政储蓄银行 县域 问题 成因 对策 

分 类 号：F832.33[经济管理—金融学]