邮政储蓄是人民银行信贷资金来源的一部分,邮政储蓄管理是人民银行发挥宏观调控职能,加强金融监管的一项重要工作。近十年来,邮政储蓄业务从代办到自办,人民银行上也经历了由全额付息到按一定利率支付利息的管理过程。但由于种种原因,使邮政储蓄业务在发展中存在一些问题,不利于邮政储蓄的稳健发展,应引起管理部门的高度重视。 Postal savings is part of the PBC’s source of credit funds. Postal savings management is an important task for the PBC to exercise macro-control functions and strengthen financial supervision. In the past ten years, the postal savings business has gone through a management process of paying interest in full and paying interest at a fixed rate on the People’s Bank of China from the charge d’affaires. However, due to various reasons, the postal savings business in the development of some problems, is not conducive to the steady development of postal savings should be caused by the management department attaches great importance.