当前,城市经济体制全面改革已经开始,行业之间的竞争势在必然,“独家经营”受到冲击和挑战。邮政汇兑已经面临这种局势。党的十一届三中全会以后,在“对外开放,对内搞活经济”的正确方针指引下,城乡经济迅速发展,流通领域十分活跃,货币结算业务量直线上升。作为货币结算渠道之一的邮政汇兑,业务量有了很大发展。自1980年以来,我省收汇汇款年递增率张数达3％,金额达10％,汇费收入递增率约12％。但从另一方面看,问题仍然不少。一是外有竞争压力,二是内部缺少改革动力。一、银行竞争的压力将越来越大。 At present, the comprehensive reform of the urban economic system has begun. The competition among the industries is inevitable. The “exclusive operation” has been hit and challenged. Post exchange has been facing this situation. After the Third Plenary Session of the 11th CPC Central Committee, under the correct guideline of “opening up to the outside world and invigorating the economy internally”, the urban and rural areas have enjoyed rapid economic growth with active circulation and a steady rise in the volume of currency settlement. As one of the currency settlement channels of postal exchange, business volume has greatly developed. Since 1980, our province remittances remittances to increase the number of sheets up to 3%, amounting to 10%, remittances revenue growth rate of about 12%. But on the other hand, the problem is still quite a few. First, there is external competitive pressure, the second is the lack of internal reform momentum. First, the pressure of bank competition will be bigger and bigger.