邮政部门利用计算机技术、网络通信技术开办的电子汇兑业务,打破了汇兑业务手工作业的繁琐与落后,大大方便了人们的日常生活。但目前邮政汇兑网点的设置状况远远满足不了用户的需求,制约了电子汇兑业务的发展。针对这种情况,河南邮政率先打破常规,依托邮政现有的网络和技术资源,通过技术改造,实现了储蓄网点加办电子汇兑业务的创新。一、河南邮政电子汇兑发展现状目前,河南省有邮政汇兑网点2457个,其中电子汇兑网点353个,且大多分布在省市级,小部分在县级。其他金融机构也开办了电子汇兑业务,网点多设置在大中城市,很少深入到农村。广大农村几 The use of electronic exchange business by computer technology and network communication technology by the postal service broke the cumbersome and backward manual operation of the exchange business and greatly facilitated people’s daily life. However, at present, the setting conditions of the postal exchange exchange outlets can not meet the needs of users and restrict the development of the electronic exchange business. In response to this situation, Henan Post took the lead in breaking the routine and relying on the postal existing network and technical resources to realize the innovation of saving outlets and electronic exchange business through technological transformation. I. Current Status of Postal Redemption in Henan At present, there are 2457 postal exchange remittance outlets in Henan Province, of which 353 are electronic exchange remittance outlets, most of which are located at the provincial and municipal levels with a small part at the county level. Other financial institutions also set up electronic exchange business, the network set up in large and medium-sized cities, rarely in-depth rural areas. The vast majority of rural areas