Study Of Commercial Operation Of The Postal Savings Funds

After our country joined the WTO organization, the step of the economy opening speeds up obviously. To 2006, foreign banks can completely start the standard money business in China, therefore, since2003, our country financial reform dynamics has enlarged gradually, to2004, the financial reform already focuses on the banking system, The Construction Bank, Bank of China have obtained the national note capital successively and stepped onto path which the system of shares is transformed. In the same time, The Industry and Commerce Bank of China, The Agricultural Bank of China and so on aggressively are also preparing for the transformation of system of shares. On July 20, 2005, in State Council routine conference "Postal Organizational reform Plan" was passed through in principle which pointed out that the establishment of the postal savings bank and the standardization of finance business management must be speed up. The commercialized operation of savings fund has also become more and more important. This article first analyses the present situation of postal savings organization, shows the limitation of the original operation of fund , points out that we must profit from the international experience, implements the comprehensive adjustment, in each aspect such as operation mode, plan, management system , risk control.With the tendency of the commercialized operation of post savings, some limitation should be pointed out: the methed of fund operation is unitary, the experience lacks and the corresponding organization has not set up. Facing to policy and economic environment which the postal savings organization, so we should profits from the international experience of the operation of post savings fund to follow the mode of commercialised operation and carry on the localization to the commercialized operation of postal savings fund: the wholesale business primarily and the retail business for auxiliary. At the same time, in order to guarantee the operation of post savings fund can be successively implement, we should attention the risk control of commercialized operation of fund in the wholesale business and the retail business and proposes specific measure to consummate the internal control and examination.