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我国邮政储蓄汇兑业务广泛地存在城乡各地,长期以来其在聚集社会闲散资金,支持社会经济建设方面起到积极作用。但随着经济、金融的不断发展,目前邮政储蓄汇兑业务存在问题不可忽视。(一)人民银行邮政储蓄汇兑资金的账户设置不尽合理目前,邮政部门在人民银行开设了邮政资金转存户(2280科目)和邮政汇兑资金往来户(3230科目)两个帐户,其中2280科目为邮政部门转存邮政储蓄而设置,专用于邮政储蓄存、取款;而3230科目是专为邮政部门汇兑资金设置,实际工作中,无论是邮政汇超款,还是邮政兑超款均用此账户,这种情况已经不利于当前邮政资金的清算和管理。(二)两个科目帐户利率设置不尽
The postal savings remittance business in our country widely exists in urban and rural areas. For a long time, it has played an active role in gathering idle funds and supporting social and economic construction. However, with the continuous development of economy and finance, the existing problems in the postal savings and exchange business can not be ignored. (1) Account Settings of PBC Postal Savings Reward Fund Are Not Consistently Currently, the postal administration has set up two accounts of PFS (2280 subjects) and postal exchange funds (3230 subjects) accounts with PBC, of which 2280 subjects Postal postal savings for the postal department set up, dedicated to the postal savings deposit, withdrawals; and 3230 subjects is designed for the postal exchange of foreign exchange funds set in the actual work, whether it is postal exchange superfamily, or postal against super use this account , This situation has not conducive to the current postal funds liquidation and management. (B) two subjects account interest rate setting is endless