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截至2013年,我国货币总量已突破100万亿元,但金融机构的“钱荒”浪潮却一浪高过一浪。在城市区域,客户资源争夺日趋白热化,拼产品种类、拼网点功能、拼服务模式;在农村市场,信用社、农业银行、小微金融机构等争夺客户花样百出、步步紧逼。利率市场化下,金融机构的赢利模式将发生深刻变化,邮政代理金融靠利差结算收入的赢利空间将会愈来愈小,靠高成本拉存款的方式抢夺客户资源也将会越来越困难,
As of 2013, the total amount of money in our country has exceeded 100 trillion yuan, but the wave of “money shortage” in financial institutions has been surging ahead. In the urban area, the competition for customer resources has become more and more intense. Product types, fight points, and service mode are all contested. In the rural market, credit cooperatives, agricultural banks, small and micro financial institutions compete for customers in various forms and at every step. With the marketization of interest rates, there will be profound changes in the profit model of financial institutions. As a result, the space for postal brokerage will have a smaller profit-making margin and the cost of deposit withdrawals will be more and more difficult. ,