当前,在农村滥设邮政储蓄网点的问题十分严重。据调查,某县30％的行政村都设有邮储代办点,个别乡镇农村这一比例高达50％以上,滥设邮储网点。一是造成了农村储蓄机构过多,超越了经济发展。造成了不必要的浪费。二是由于机构设立仓促,准备不足,存在着不安全的隐患。三是机构发展过快管理跟不上。常会发生不规范的行为,随意提高利率等,极易引发利率大战,机构大战。 At present, the issue of overcharging postal savings outlets in rural areas is very serious. According to the survey, 30% of administrative villages in a county have a postal storage agency point, and the proportion of individual villages and towns in rural areas is as high as over 50%. First, it caused too much rural savings institutions and exceeded the economic development. Caused unnecessary waste. Second, due to the institution’s establishment of a rush and lack of preparation, there are unsafe hidden dangers. Third, the rapid development of institutional management can not keep up. Often there will be irregular behavior, arbitrarily raising interest rates, etc., can easily lead to interest rate wars, institutional wars.