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邮政代理金融业务是邮政企业利用邮政基础设施代理经营的储蓄业务、汇兑业务及其他中间业务的总称。邮政基础设施具有两个最基本的特征:一是点多面广,网点遍布城市社区、乡镇和偏远地区,渠道触及城乡各个角落,贴近普通民众生活;二是以网点为基础严密组织构建的巨型网络,沟通城乡,是信息流、资金流、物流传输和交换的平台。基于邮政基础设施的渠道特点,邮政企业代理金融业务得以生根发芽,迅速发展,成为邮政普遍服务的有机延伸,也是普惠金融体系的重要组成部分。
Postal Agency Financial business is the collective name of the postal enterprises that use the postal infrastructure agency to operate their savings business, exchange business and other intermediary businesses. The postal infrastructure has two basic characteristics: First, it is multi-faceted, with outlets in urban communities, towns and remote areas, with channels reaching every corner of urban and rural areas close to ordinary people’s lives; secondly, a mega-network based on outlets , Communication between urban and rural areas, is a flow of information, capital flow, logistics and exchange platform. Based on the characteristics of the postal infrastructure, the postal enterprise agency finance business takes root and sprouts rapidly and develops into an organic extension of the postal universal service. It is also an important part of the inclusive financial system.