中国邮政储蓄从零起步,经过20年的快速发展,全国储蓄存款规模已超过15000亿元,确实是一个了不起的成就。有学者对国内的银行作了回归分析,计算出银行业资产规模最优临界值为20000亿,结论是国有银行太大,新兴银行太小,二者同时落入规模不经济范畴,即中国缺少大小适度的中等银行 After 20 years of rapid development, the scale of China’s savings deposits has exceeded 1.5 trillion yuan. It is indeed a remarkable accomplishment. Some scholars made regression analysis of domestic banks to calculate the optimal critical value of banking assets to 200 billion, the conclusion is that the state-owned banks is too large, the emerging banks are too small, both at the same time fall into the category of diseconomies, namely China’s lack of Moderately sized medium-sized banks