Research On The Problem Of Using China Postal Savings Capital Independently

Postal finance is one of the most important components in a country's financial system. Its development degree directly influences the country's financial liberalization reform process. It places an important role in promoting economy and satisfying people's diversifying demands. Since its resuming in 1986, China Postal Savings have expanded steadily. By now, the balance of postal savings from residents in cities and rural area ranks the 5th among domestic state-held commercial banks. China Postal Savings have taken an important place in Chinese individual financial industry. However, the rapid growth of China Postal Savings has brought a series of problems. The new financial situation of China's demands reform actions for interest rate market, financial free competition and financial system. Since China Postal Savings' using not suit to the progress of financial market, it is also demanded to change its using pattern at the same time with the deep reform of national financial system. From the other hand, the postal savings' using in other countries of the world have given an inevitable trend to the reform of using China Postal Saving. Therefore, more and more attention is being paid to how to undertake some reform and seek a new way out for the postal savings sector, on which this dissertation will focus, with an aim of finding an appropriate way for the postal savings. This paper reviews the historic progress of China Postal Savings, analyzes present situation and existed problems in its using, compares some using patterns in other countries, and then decides the using model for China Postal Savings .This thesis mainly adopts the basic theory - situation analysis -existing problems analysis- Countermeasures and suggestions such a questions - solutions - schemes thinking way on the use of postal savings funds . In research methods, it adopts: First, the comparative analysis methods. Through comparative analysis of the world and regional postal savings funds use experience, it obtains Enlightenment in using China's postal saving; it use comparative data analysis of the two time points to analyze present situation . Second, the empirical analysis methods. it adopts the status quo for data analysis for the present fund using situation and sums up the existing difficulties and problems. Third, summarized analysis methods. To summarize the literature data.The paper consists of five parts:The first, introducing the background and meanings of studying China postal savings using and summarizing the existed various disputes and documents about postal savings system reform, and pointing out the new viewpoints in this paper.The second, analyzing the theories that the paper based on. it illuminates the concept, character and main function of Postal savings. then, it summarizes the connotation and principle in postal saving using and introduces the internal control mechanism and risk management theory of commercial banks. All above paves the theoretical basis for the whole study.The third analyzing the present situation of China postal savings using throng a large amount of data, and then sizing up the main problems existed. It is the key part of the whole study.The forth , comparing the different using patterns of other countries and summarizing four inspirations for China post savings using.The fifth, from the existed problems and experience abroad putting forward the various reforming plans for China Postal Saving using. this part is the solution as well as the end-result and purpose.The innovations of the thesis consists of two main aspects: one, the postal savings funds operating system construction; two, the improvements for the postal savings using early-warning systems and operational risk control mechanism. The inadequacy is: From the whole, empirical analysis is too less and theoretical depth analysis is not enough; In view of my own work experience and limited sources of information, the innovation in postal savings using channel and the analysis of risk management still have room for perfection.