2005年7月,国务院通过的邮政体制改革方案要求邮政企业加快成立邮政储蓄银行,实现金融业务的规范化经营。其实早在2003年,人民银行就对邮政储蓄开始实行新老划段、新增资金自主运用的改革;2005年开始,人民银行又对邮政储蓄的老存款开始进行了转出工作。这些政策的调整对邮政储 In July 2005, the postal system reform plan passed by the State Council required the postal enterprises to speed up the establishment of the Postal Savings Bank and realize the standardized operation of the financial business. In fact, as early as 2003, the People’s Bank of China began to impose new and old paragraph on postal savings and introduced new reforms for the independent use of funds. Since 2005, the People’s Bank started to transfer out old deposits of postal savings. The adjustment of these policies to the postal savings