邮政汇兑业务是方便人民生活、活跃城乡的一种传统业务。然而近两年来,由于邮政汇兑兑付难。已使邮政和银行的声誉受到损害。笔者通过调查,从中发现了一些值得商讨的问题。一、汇兑资金结算、调剂时间过长邮政汇款,本是公民委托邮政部门办理的一种个人资金流通业务,当汇款人把现金交给邮局汇出后,邮局将钱存入当地开户行,而收款人在承兑邮局拿到 Postal exchange business is to facilitate the people’s lives, an active urban and rural areas of a traditional business. However, in the past two years, due to the difficulty of postal currency exchange. Has damaged the reputation of postal and banking. The author through the investigation, from which found some worth discussing the issue. First, the settlement of foreign exchange funds, the swap time is too long Postal remittances, this is the personal entrusted to the postal department handled a personal funds distribution business, when the remittance of cash to the post office remittance, the post office money will be deposited into the local bank, and Payee at the acceptance post office to get