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本文在回顾中外邮政储蓄银行发展历史的基础上,系统分析了当前我国邮政储蓄体系经营、管理中存在的不足和目前城乡金融服务的缺陷,并就改革邮政储蓄体制的必然性及如何对邮政储蓄银行实施外部监管进行了探讨。
On the basis of reviewing the history of the development of China Postal Savings Bank, this paper systematically analyzes the shortcomings in the operation and management of China’s postal savings system and the defects of current urban and rural financial services. In addition, it analyzes the necessity of reforming the postal savings system and how to control the postal savings bank The implementation of external regulation was discussed.