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即便有了全新的定位,邮政银行如何塑造其长期竞争力仍是一大难题银监会主席刘明康近日表示要将邮政银行改造为社区银行,这是中国银行监管部门首次明确提出邮政银行未来的发展方向。若遵循这一发展方向.邮政银行今后的业务重点应会放在农村及经济欠发达地区,整体机构布局可能出现重大的调整.从现实角度下,这可能有利于储蓄资金留存、转贷于农村及欠发达地区,但长远来看,邮政银行的竞争力堪忧。
Even with a new orientation, how Postal Bank builds its long-term competitiveness is still a big problem China Banking Regulatory Commission Chairman Liu Mingkang recently said it would transform its postal bank into a community bank. This is the first time that the regulatory authority of the Bank of China has explicitly proposed the future direction of the postal Bank . If we follow this direction of development, the future focus of postal Bank should be placed in rural areas and economically underdeveloped regions, the overall institutional layout may be a major adjustment from a realistic point of view, which may help saving funds retained, lending in rural areas And underdeveloped areas, but in the long run Post Bank’s competitiveness is worrying.