论文部分内容阅读
人民银行在1986年恢复邮政储蓄,最初的用意在于通过邮政系统的庞大网点有效地回笼货币,从而降低通货膨胀的压力。而邮政储蓄也不负众望,成功回笼了大量的闲散资金,实现了人民银行的初衷,而在邮政储蓄所吸收的存款中,来自农村地区的比例高达70%,邮政储蓄也由此成为农村资金的巨大“蓄水池”。与其他商业银行绞尽脑汁寻找优质的贷款客户不同,邮政储蓄资金是“皇帝的女儿不愁嫁”。邮政储蓄存款全部转存到人民银行,并由人民银行支付转存利率,而该利率远高于
The restoration of postal savings by the People’s Bank in 1986 was originally intended to reduce the pressure of inflation by effectively withdrawing the currency through the huge network of postal systems. The postal savings also live up to expectations, the successful withdrawal of a large number of idle funds, to achieve the original intention of the People’s Bank of China, and savings in the postal savings deposits from rural areas as high as 70%, postal savings and thus become a huge rural capital “Reservoir”. Unlike other commercial banks who rack their brains to find quality loan clients, the postal savings fund is “the daughter of the emperor with no worries about marriage.” The postal savings deposits are fully transferred to the People’s Bank of China and the PBC pays the dumped interest rate which is much higher than