邮政储蓄改利差后已经一年多了,经过广大邮政干部职工的大胆实践和探索,取得了一定经验和成果。但是,目前在经营上仍存在一些问题。一是思想不适应,长期以来形成的等客上门、传统保守观念还没有根本解决;二是经营管理不适应,突出的问题是对解决存款结构不合理、怎样处理转存款关系、如何压缩备用金、缩短在途时间、提高归行率和增加利率收入等办法不多。本文仅就这些问题谈几点看法。一、转变观念,适应改利差后的 After more than a year of poor postal savings reform, after the extensive practice and exploration of the vast numbers of postal cadres and workers, we have gained some experience and achievements. However, there are still some problems in operation. First, the mentality does not meet the long-established wait guests, the traditional conservative concept has not fundamentally resolved; Second, management does not meet the outstanding problems is to resolve the deposit structure is irrational, how to deal with the deposit relationship, how to compress the reserve , Shorten the time in transit, improve the rate of return and increase interest rates and other means not much. This article just talked about these issues. First, change the concept, to adapt to the poor after the change