中国邮政储蓄银行中间业务特色化发展战略的设想——以安徽分行为例

自成立之日起,中国邮政储蓄银行依托强大的邮政网络,励精图治,其中间业务迅速发展,呈现出品种丰富、效用增强、规模扩大的趋势。该行在中国作为＂草根银行＂,的确为区域经济的发展做出了应有的贡献,但和金融同业相比,其中间业务发展仍凸显产品研发滞后、业务收益不高、操作风险尚存等问题。本文以邮政储蓄银行安徽分行为例,结合其中间业务发展现状的分析,对邮政储蓄银行特色化发展战略进行设想,提出要通过审时度势、东学西渐、内外联动和左右开弓的系列措施助力其中间业务发展。

An Overview on the Characterized Development Strategy of Intermediary Business for Postal Savings Bank of China——Taking Anhui Branch for example

From the date of its establishement,Postal Savings Bank of China（PSBC） utilizes its comprehensive postal network and with all-out efforts,the intermidiary business has been developing relevant fast.And the intermidiary business show a characteristic of rich varieties,enhanced benefits and a tendency of expanding.PSBC has always plays an important role in cultivatig the regional economy.However,compared to its counterpart in the financial service industry,PSBOC still faces problems such as lagging behind in product development,relevant low earnings ratio and operation risks.This article attempts to find out a series of possible measures which may help the bank to outlook the bank＇s characterized development strategy on intermediate business.