论文中国邮政储蓄银行在农村的发展现状和对策.docx

中央广播电视大学人才培养模式改革和开放教育试点 金融专业毕业论文题目： 中国邮政储蓄银行在农村的发展现状和对策 专业： 金融 分校： 邢台广播电视大学 学生姓名： 指导教师： 学号： 131001207845 完成日期： 2015年11月24日 摘 要十八届三中全会以来，我国进入全面建成小康社会的关键时期，在经济社会的不断发展下，中国邮政储蓄得到长足进步，金融市场化程度有了很大的提高。但就地域结构而言，城乡发展很不协调，邮政储蓄在农村的发展严重滞后，农村金融被严重边缘化。本文通过对邮政储蓄在农村发展的现状进行分析，结合目前邮政储蓄的发展现状，提出几点对策建议，帮助新农村建设中发挥邮政储蓄的作用。关键字：中国邮政储蓄 边缘化 农村经济发展 AbstractSince the Third Plenary Session of eighteen, China has entered a critical period of building a moderately prosperous society. In the continuous development of economic and society, Chinas postal savings has been considerable progress, the degree of financial market has been greatly improved. However, the development of urban and rural areas is not coordinated, the postal savings in the development of rural areas in the serious lag, the rural finance has been severely marginalized. This paper analyzes the current situation of postal savings in rural development, combined with the current situation of the development of the postal savings, and puts forward some countermeasures and suggestions to help the new rural construction play a role in the postal savings.目录前言······························3一、中国邮政储蓄银行在农村的发展现状··············3 （一）中国邮政储蓄银行的发展情况··············3 （二）农村邮政储蓄银行的发展情况··············3 （三）农村发展现状·····················4 （四）商业银行在农村的发展·················4二、中国邮政储蓄银行在农村地区发展存在的问题··········4 （一）中国邮政储蓄银行在农村地区的发展···········4 （二）中国邮政储蓄银行在农村发展中的问题··········5 1、服务网点建设不足··················5 2、专业人才匮乏····················5 3、业务发展水平低···················6 4、内部控制不力····················6三、中国邮政储蓄银行在农村发展的对策··············7 （一）服务网点的合理化建设·················7 （二）优化人员结构·····················7 （三）提高服务水平·····················7 （四）做好业务服务·····················8 （五）加强内控建设·····················8 （六）加强与农信社的合作··················8四、结论····························8致谢······························9参考文献····························9中国邮政储蓄银行在农村的发展现状和对策前言：随着为实现中华民族伟大复兴的中国梦，我国进入全面建成小康社会的关键时期，“十二五”进入尾声，“十三五”计划将全面开展，金融体制改革也已步入市场化轨道并在不断深化之中。农业经济逐步由自给自足的小农经济和半自给自足的经济形式向市场化、商品化的经