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中国邮政储蓄银行挂牌成立后,在社区银行定位的同时被委以服务于农村的重任。组建邮政储蓄银行,实施邮政储蓄金融业务的专业化经营,不仅符合国际邮政储蓄金融制度变革的潮流,而且对推动我国金融体制改革的深化,进一步完善我国金融市场的建设具有十分积极的意义。笔者对邮政储蓄银行成立后开展小额信贷业务的必要性、制约因素及经营战略进行了一些探索。
After the establishment of the China Postal Savings Bank, it was entrusted with the task of serving the rural areas while positioning the community banks. The establishment of the postal savings bank and the implementation of the specialized operation of the postal savings finance business are not only in line with the trend of the reform of the international postal savings finance system but also have a very positive meaning in promoting the deepening of China’s financial system reform and further improving the construction of China’s financial market. The author made some exploration on the necessity, restriction factor and business strategy of the postal savings bank after the establishment of microfinance business.