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编辑同志:据笔者调查,2002年末,湖南省安化县邮政储蓄存款余额达24863万元,比年初净增7354万元,增长42%,比全县农村信用社存款增幅高28个百分点。邮政储蓄作为基础货币的回笼渠道,对国家宏观调控和遏制通货膨胀产生着积极作用,而在通货相对紧缩、经济开始回升的条件下,邮政储蓄的快速增长对地方经济的发展却带来了诸多负面影响:一是造成农村资金外流,有碍于农村经济的发展。据测算,安化县邮政储蓄存款的来源90%以上来自农村,而国家对农村资金的反哺又显得不足。加之安化县无支农再贷款,无法从人民银行以支农再贷款方式反哺到农村,仅邮政储蓄净流出资全2.4亿元,这样一个数据清楚地表明:邮政储蓄的
Editor’s Complaints: According to the author’s survey, the postal savings deposits of Anhua County in Hunan Province reached 248.63 million yuan at the end of 2002, a net increase of 73.54 million yuan over the beginning of the year, an increase of 42% over the previous year. The deposit growth of the rural credit cooperatives in the county was 28 percentage points higher. Postal savings, as the base currency’s return channel, has a positive effect on the state’s macro-control and curbing inflation. With the relatively tight currency and the economy rebounding, the rapid growth of postal savings has brought a lot to the development of local economy Negative impact: First, causing rural capital outflows, hindering the development of rural economy. It has been estimated that more than 90% of the sources of postal savings deposits in Anhua County come from rural areas, and the state’s feedback on rural funds is insufficient. Coupled with Anhua non-agricultural loans, can not be from the People’s Bank to support agriculture and then lending back to the rural areas, only net postal savings net outflow of all 240 million yuan, a data clearly shows that: postal savings