杭州市邮政局近年来致力于做大做强个金业务,将邮政储蓄打造成为百姓身边的社区零售银行。但囿于体制、机制等方面的原因,代理金融网点在发展中也存在着诸多困难。就外部而言,随着利率的市场化,邮储银行的主要竞争对手农商行的利率一浮到顶,吸引了不少客户;邮政代理金融纯个金业务的发展模式也难以吸引一些优质的中小企业客户,特别是近期随着国家小城镇发展步伐的加快推进和 In recent years, Hangzhou Post Office has been devoting itself to bigger and stronger personal gold businesses, and postal savings to become community retail banks around the people. However, due to institutional and institutional reasons, there are also many difficulties in the development of the agency’s financial outlets. On the outside, with the marketization of interest rates, interest rates of rural commercial banks, the main rival of the Postal Savings Bank, have reached the ceiling and attracted many customers. The development model of postal agency financial pure gold business is also hard to attract some high-quality small and medium sized Business customers, especially with the recent development of small towns in the country to accelerate and accelerate