(一)邮政汇兑作为邮政的一项传统业务,曾以“安全、快捷、方便”的优势为广大人民群众的生活和经济发展提供了方便。但因经济欠发达地区绝大多数属兑超区,随着邮政机构改革和个人汇兑市场竞争的加剧,邮政汇兑业务在发展中面临着更多的难题。一是由于受到地理环境和经济条件的制 (1) As a traditional postal service, postal remittances have provided convenience to the general public’s life and economic development with the advantages of “safe, quick and convenient”. However, most of the economically underdeveloped regions are against the super-regions. As the reform of the postal service and the competition in the personal exchange market intensify, the postal remittance business faces more challenges in its development. First, due to the geographical environment and economic conditions of the system