在经济新常态下要实现向现代大型商业银行的“蝶变”。为实现这一新目标,邮储银行要保持较快发展,加快改革创新。邮储银行2014年面对利率市场化、金融脱媒、金融业态演变等多重挑战,坚持既定战略不动摇、坚持深化改革不放松、坚持转型发展求突破,取得了良好业绩,进一步凸显了邮储银行的发展潜力和商业价值。随着我国经济进入新常态,银行业资产、效益高速增长的黄金时代成为历史,微利时代已经到来。银行业正在由过去靠 In the new economic normal to achieve modern large commercial bank “butterfly ”. To achieve this new goal, the postal savings bank should maintain its rapid development and speed up reform and innovation. In 2014, with the multiple challenges of interest rate liberalization, financial disintermediation and financial format evolution, Postal Savings Bank insisted on unswervingly adhered to the established strategy, insisted on deepening the reform and not seeking relaxation, persisted in restructuring and development, and achieved good results, further highlighting the importance of postal savings Bank’s development potential and commercial value. As our economy has entered a new normal, the golden age of banking assets and the rapid growth of profits has become history, and the era of meager profit has arrived. The banking industry is relying on the past