论文部分内容阅读
随着存款利率上限的放开,储户在金融机构的选择上更趋于多元化。在广大农村地区,当地邮储不仅要面对利率市场化后激烈的同业竞争,还要结合地域经济特点,有效应对余额发展的“潮汐现象”。这一切,都是对当地邮储网点专业化经营意识和能力的考验。近年来,我国利率市场化的进程不断加快。在城市金融网点层面,邮储银行及各大国有商业银行执行的存款利率标准基本一致,利率市场化给网点余额带来的影响并不大。但这种变革对于众多
With the liberalization of the deposit rate cap, depositors tend to be more diversified in their choices of financial institutions. In the vast rural areas, the local postal stores not only face fierce competition with the market after the interest rate liberalization, but also effectively cope with the “tidal phenomenon” of balance development in light of the characteristics of regional economy. All this is a test of the local post office outlets specialized management awareness and ability. In recent years, the process of marketization of interest rates in our country has been accelerating. At the level of urban financial outlets, the deposit interest rate standards implemented by both the Postal Savings Bank and the major state-owned commercial banks are basically the same, and the marketization of interest rates has little impact on the balance of outlets. But this change is numerous