The Research On Commercialized Operation Of Hunan Post Saving Institution

Post savings is an important part of the current finance system of China. With the successful reform of the post savings abroad and the ever-deep reform of the finance system in our country, the reform of China Post Savings is more and more required. Administrators and social medium have obtained common recognition gradually that, the policy cause of the recovery of China Post Savings has not existed, and the compromise between all relevant parties after contention is unaccommodated with the development of finance and economy, so the current system of China Post Savings should be broken and reformed to follow the mode of commercialised operation. Based on the background above, how to prepare for the reform of post savings beforehand is a new subject that needs to study.On the basis of analysis of the current state of Hunan Post Savings, the inconsistency between the state of Hunan Postal Savings and the whole situation of post savings reform is analyzed deeply in this paper, and the author points out that Hunan Post Savings should be reformed from all aspects such as institutes, staff, finance, production and markets etc.First of all, through the brief description of the worldwide researches on post savings, the paper shows that in each country, the establishment of post savings system is strongly associated with the policies. The establishment of China Post Savings system and the continuous regulation of relative policies are resulted from compromise between all relevant parties after contention. To transform post savings to commercial bank has been recognized by both government and all relevant parties. The old administration system and management mode of Hunan Post Savings is unaccommodated with the reform of post savings.In order to solve the problem described above. Based on the analysis of management and status in quo. Drawing on the good experience of Germany Postal Bank, the author firstly offers the whole scheme about how to transform Hunan Post Savings to commercial bank, which includes the following aspects such as reform of organization structure, staff management, account-separating with postal enterprises and risk managements etc.Subsequently, this paper expatiates how to actualize commercialized operation on product system and marketing system in Hunan Post Savings. Based on the analysis of product system, the author offers the tactics of the product system re-construction, the...