全国邮政储蓄出现了超常增长的势头。调查发现体制转换、存款利差、差异性战略、时机掌握等是邮政储蓄快速增长的主要原因,但违规揽存依然不可小视。由于汇兑转存和利息转本,使得邮政储蓄增长中存在浮夸成分。邮政储蓄过快增长给储蓄市场带来了一定的震动和风险,进一步规范储蓄市场就成为金融监管面临的课题 National postal savings showed extraordinary growth momentum. The survey found that institutional transition, deposit spreads, differences in strategies, timing and other postal savings is the main reason for the rapid growth, but illegal storage still can not be underestimated. The exponential growth in postal savings has been exaggerated due to the transfer of foreign exchange and the transfer of interest. The excessive growth of postal savings has brought some shocks and risks to the savings market, and the further regulation of the savings market has become the subject of financial supervision