近年来,一支奇特的“金融机构”在悄然壮大,它既非独立又非不独立于其母体——中国邮政,既像金融机构却又非金融机构,既堂而皇之运营却又名不正言不顺,此乃邮政储蓄。自1986年邮政恢复储蓄业务以来,以邮政“普遍服务”的幌子获得金融政策的宽容,又以人民银行的信誉谋取利益。以不正当竞争方式赢取利益之后,又拉动其更大的违规经营,且屡禁不止,成为扰乱金融秩序的导火线。对此,中国人民银行自去年下半年在全国范围内对邮政储蓄机构予以清理 In recent years, a peculiar “financial institution” has quietly grown up. It is neither independent nor independent of its parent China Post. It is neither a financial institution nor a financial institution. Shun, this is postal savings. Since the resumption of savings business in 1986, the Postal Service has obtained the tolerance of financial policy under the pretext of “universal service” of the postal service, and has also taken the credibility of the People’s Bank of China for its benefits. After winning the interest by way of unfair competition, it also stimulated its bigger illegal operation and continued to act as a fuse to disrupt the financial order. In response, the People’s Bank of China cleared the postal savings institutions nationwide in the second half of last year