我国邮政储蓄经营模式研究

【作者】 李广；

【导师】 雷立钧；

【作者基本信息】 内蒙古大学 ， 工商管理， 2005， 硕士

【摘要】 邮政部门既经营普遍服务性业务,又经营竞争性业务,而普遍服务业务给邮政部门带来巨额的政策性亏损。1999年邮电分营,国家给予邮政部门“8531”政策,即从1999年起国家逐年向邮政部门补贴80亿元、50亿元、30亿元、10亿元。到2003年已“彻底断奶”,但后续普遍服务的补偿机制国家并未建立起,长期以来,邮政部门一直主要依靠邮政储蓄业务为邮政系统提供隐性巨额补贴。 到2003年7月31日,国家转存款利率政策未调整前,邮政部门有8400亿邮政储蓄余额转存到央行,按现行的4.131%的转存款利率计算,央行每年要付给邮政347亿元转存款利息,这给中央财政带来很大压力。目前邮政储蓄的收入已经占到邮政总收入的50%以上,某些地区甚至大到90%以上(乌兰察布市商都县),一旦邮政储蓄从邮政大网中脱离而又没有补偿措施的话,邮政的营业网点将立即垮掉,于是造成了目前邮政与邮政储蓄混业经营的局面。 在我国不允许金融的混业经营,早在1999年国务院和人民银行就已正式批准成立邮政储蓄银行,由于种种原因直到现在仍未能建立。2004年温家宝总理的工作报告中指出,“要积极推进邮政体制改革”。一时间,邮政储蓄的何去何从成了专家、学者讨论的焦点。本文试图通过对我国邮政储蓄发展历程回顾,对邮政储蓄的发展、定位以及相关联的邮政体制改革进行较深层次的分析与探索,从而寻找到一条符合中国特色的邮政储蓄的发展之路。更多还原

【Abstract】 Postal department manages universal service business, and also manages competitiveness business; As we know, universal service business brings a great policy loss to postal department. In 1999, postal department and telecommunications department divided into two independent entities, government gave postal department a policy called" 8531" .That was from 1999 to 2003, the government had to offer subsidy 8 billions Yuan, 5 billions Yuan, 3 billions Yuan and 1 billion Yuan to postal department every year respectively. Till the year of 2003 this policy had already "thorough weaned ", but the compensation mechanism of afterward universal service has not yet established, for a long period, postal department always relies on postal saving business mainly offering a huge recessive subsidy for postal system.Until July 31, 2003, the government did not adjust the deposit policy of interest rate, postal department had the postal saving balance of eight hundreds and forty billions to store in the central bank. In terms of current rate of 4.131%, the central bank will pay postal service 34,700,000,000 Yuan every year. This brings great pressure to central finance. Presently the income of postal saving have taken the more than 50% of postal total income, some regions even go to more than 90% (such as county seat shangdu in wu lan chu bu), so it is easy to draw a conclusion that once postal saving divides from postal big net and does not take any measures of compensate, postal business network sites will collapse immediately, and made the mixing management of situation caused present postal service and postal saving.In our country, the mixing management of finance field does not allowed, in 1999, the State Council and people’s bank had already approved to set up postal savings bank, but for many various reasons, it could not be established up to now. In 2004, Premier wen jia bao pointed out in the working report, "postal system reform should be pushed actively forward ". So what postal saving future is has become the focus of expert and scholar discussing. Through looking back development history of the postal saving, this paper attempts to analyze, explore the development, orientation and the relative reform of postal mechanisms. At last the paper seeks a development road according with the postal saving of Chinese characteristic.更多还原