中国邮政储蓄银行的经营现状分析改稿.doc

中国邮政储蓄银行的经营现状分析 中国邮政储蓄银行的经营现状分析 摘 要 农村金融市场建设是我国当前新农村建设的重要一环，如何做好农村金融工作，满足农村居民的金融需求，是政府迫切需要解决的问题。中国邮政储蓄银行的成立，正是国家应对农村金融问题的又一重大举措。本文对中国邮政储蓄银行的发展现状进行阐述，通过对中国邮政储蓄银行经营过程中困难进行分析，同时结合我国国情和中国邮政储蓄银行实际,提出了几点对策建议, 进而阐述中国邮政储蓄银行的发展对策，呼吁要重新认识中国邮政储蓄银行的地位和作用。 关键词:中国邮政储蓄，银行，经营现状，农村，金融市场 Abstract Chinas rural financial market, the current new construction is an important part of rural development, how to do financial work in rural areas to meet the financial needs of rural residents, the government urgently needs to solve the problem. China Postal Savings Bank was established, it is the countries to respond to rural finance is a big move. In this paper, the development of China Postal Savings Bank described the current situation, through the China Postal Savings Bank of difficulties in the course of business analysis, combined with Chinas national conditions and the China Postal Savings Bank actually put forward some countermeasures and suggestions, and then expounded China Postal Savings Bank development Strategy, called the Agricultural Development Bank to re-understand the status and role. Keywords: China postal savings bank, operating status, the rural financial market 目录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc312115207 摘 要 PAGEREF _Toc312115207 \h 1 HYPERLINK \l _Toc312115208 Abstract PAGEREF _Toc312115208 \h 1 HYPERLINK \l _Toc312115209 第1章 前言 PAGEREF _Toc312115209 \h 3 HYPERLINK \l _Toc312115210 第2章 中国邮政储蓄银行经营现状 PAGEREF _Toc312115210 \h 3 HYPERLINK \l _Toc312115211 2.1庞大的农村金融市场 PAGEREF _Toc312115211 \h 3 HYPERLINK \l _Toc312115212 2.2资产规模较大，资产优良，网点遍布城乡 PAGEREF _Toc312115212 \h 3 HYPERLINK \l _Toc312115213 2.3对农村客户的信息优势且门槛较低 PAGEREF _Toc312115213 \h 4 HYPERLINK \l _Toc312115216 2.4竞争机制缺乏,“大锅饭”依然存在 PAGEREF _Toc312115216 \h 5 2.5 基层（一线）员工付出与收获不成正比，缺乏积极性 …………… HYPERLINK \l _Toc312115217 第3章 、中国邮政储蓄银行经营困难的原因分析 PAGEREF _Toc312115217 \h 5 HYPERLINK \l _Toc312115218 3.1商业银行经营管理经验匮乏，产品开发不到位 PAGEREF _Toc312115218 \h 5 HYPERLINK \l _Toc312115219 3.2外部监管难度较大，内部控制不力