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我国开办邮政储蓄已经有10年历史了,在这10年间,邮政储蓄业务发展很快,它为我国经济的发展,为抑制通货膨胀和金融宏观调控起了积极作用.随着邮政储蓄业务的不断发展,一些新情况新问题也随之而来,在这些问题面前.显得我们的有关政策很被动,缺乏合理性.笔者就此略谈一点看法.一、利率高利差大,不利于各储蓄机构间的公平竞争.按照国家现行利率政策,邮政储蓄转存收利率12.42%,比城乡居民个人储誉存款13年期利率12.24%高出0.1个百分点,比一年期利率高出1.44个百分点,而且,人民银行对邮政储蓄转存款是按季结息并计复利.可见,邮电部门办理邮政储蓄利差是比较高的.举例说明:假如各银行储蓄机构吸收1千元一年期储蓄存款,按照现行利率标准,到期支付给储户的利息是109.80元,即1000×10.98%×1=109.80
In the past 10 years, the postal savings business developed rapidly, which played an active role in the development of our economy and in the suppression of inflation and the macro-control of finance. With the continuous development of the postal savings business Development, some new situations and new problems followed, in front of these issues. It seems that our relevant policies are passive, lack of rationality. The author of this point to talk about a little. First, the high interest rates spread is not conducive to the savings institutions In accordance with the current interest rate policy of the state, the postal savings deposit rate of 12.42%, higher than the 13-year interest rate of 12.24% for urban and rural personal personal savings deposits by 0.1 percentage points, 1.44 percentage points higher than the one-year interest rate, In addition, the PBOC’s postponement of savings deposits at the postal savings deposit is seasonally settled and compounded and compounded, showing that postal savings spreads are relatively high for the post and telecommunications departments For example, if the bank savings institutions absorb 1-thousand-year one-year savings deposits, According to the current interest rate standard, interest paid to savers due is 109.80 yuan, or 1000 × 10.98% × 1 = 109.80