1986年初,邮政开办了储蓄业务。尽管是处于初期试办阶段,但是,邮政储蓄的开办对我国金融体制的改革具有重要意义。发达的商品经济基本上是一种信用经济,产品的商品化必然带来经济生活的货币化和信用化。在商品经济发展的同时,必然要有活跃经济建设的信用活动。在我国的经济体制改革 In early 1986, Post opened a savings business. Although it is in the initial trial stage, the opening of postal savings is of great significance to the reform of China’s financial system. Developed commodity economy is basically a credit economy, the commercialization of products will inevitably bring about the monetization and credit of economic life. At the same time as the development of commodity economy, there must be credit activities with active economic construction. Economic restructuring in our country