邮政储蓄发展问题及对策研究(68页).rar

摘要
随着我国加入WTO和国内金融改革的深入、金融机构不断增加，各金融机构
之间的竞争更加激烈，如何保证我国金融市场有序、规范发展，是我国金融主管部
「〕和各金融单位都在关注和思考的问题。1986年恢复开办且只面向个人提供金融
服务的邮政储蓄经过十多年的发展，为国家经济建设和我国邮政事业的发展做出了
重要贡献，其规模现仅次于国有四大商业银行和农村信用社，其收入也占整个邮政
业务收入的三分之一，邮政储蓄目前不但在我国金融市场占有重要一席，也是我国
邮政业的一个支撑业务。但面对宏观金融形势，由非金融机构的中国邮政部门经营
管理的邮政储蓄面临的问题及发展方向引起许多方面注意，如其业务主管部门在组
织结构上仅为邮政部门一个专业局，对各区(县)邮政局从事邮政储蓄的人、财、
物均不能直接有效管理，同时因邮政储蓄的经营和管理与其它邮政业务混在一起，
人民银行也不能对其进行有效监管，这就容易导致各邮政局违规经营邮政储蓄，进
而导致一系列问题出现。若这些问题不能解决好，不仅将影响我国邮政储蓄业务的
发展，且有可能会对我国金融市场造成巨大的不良影响。本文从战略管理角度出发，
对我国邮政储蓄现状、面临的问题及其产生原因作一较为全面的分析，提出邮政储
蓄的发展战略思路，以促进邮政储蓄规范、健康、长远地发展。其研究对我国邮政
储蓄在实际工作中可作为参考，也是对所学相关理论在应用上的一个拓展。
本文分析了影响储蓄业务发展的各主要因素，结合国内外邮政储蓄发展历史
和现状，重点分析了我国邮政储蓄面临的内外部环境情况，进行邮政储蓄EFE和IFE
评价矩阵分析，得出关键内部优势、弱点和关键外部机会、威胁，结果表明邮政储
蓄若能好好利用外部环境因素，将会取得极为显著的效果，而我国邮政储蓄的内部
状况处于弱势。进行邮政储蓄SWOT分析，对邮政储蓄备选战略进行QSPM矩阵
评价分析，提出邮政储蓄发展的基本竞争战略思路。通过对邮政储蓄发展的战略框
架分析，提出了邮政储蓄要改变目前的困境，充分发挥优势，必须在其体制、人力
资源、品牌形象和业务创新等方面进行改革或加强建设的战略框架思路，以使邮政
储蓄在激烈的金融竞争环境中能获得生存和更大的发展。最后结合重庆邮政储蓄的
一些具体情况，提出了相关政策性建议。
关键词:金融，邮政储蓄，发展战略
中文摘要································································································……
英文摘要································································································……H
1绪论································································································……
1.1课题研究背景·······················································································……
l.2课题研究内容和目的···········································································...……
1.3课题的研究方法和研究思路·····································································……
2储蓄在国民经济中的作用···············································...··.·············……
2.1储蓄的含义及其在国民经济中的作用·························································……
2.1.1储蓄的历史及现代含义··································································......……
2.1.2我国储蓄在国民经济中的作用·······························································……
2.2我国邮政储蓄在国民经济中的作用····························································……
2.3影响我国居民储蓄决定的主要因素····························································……
3国内外邮政储蓄现状·····································································……12
3.1国外邮政储蓄现状··············································································……12
3.2国内邮政储蓄现状··············································································……巧
3.2.1国内邮政储蓄现状···········································································……巧
3.2.2重庆市邮政储蓄现状······································································.·……20-..