论邮政储蓄对中国利率市场化的负面影响

中国的邮政储蓄有着深刻的计划经济的烙印,其实质是中央银行利用邮政网络吸收资金,供自己调度使用,整个体制反映的是由政府控制资源分配的思维。同时,这种体制安排不仅在当前排斥着市场作用的发挥,而且扼杀了未来市场力量的萌芽,如社区银行的成长,增强了中国货币政策的内生性,对当前积极的货币政策也有一定的负面效应。所以,将邮政储蓄改造为自负盈亏的商业银行已是利率市场化的内在要求。

The Negative Effect of Postal Saving on Interest Rate Marketlization in China

there is a deep branded effect of planned economy in the postal saving of China.Its essence is that Central Bank utilizes the postal network to absorb the fund for its own use,the whole system of which reflects that the government contols resource allocation.Meanwhile,the arrangement not only repels the role-playing of the market at present in this kind of system,but has strangled the rudiment of the strength of future market,such as the growth of community's bank. It also strengthens the endogeny of Ching's monetary policy and has certain negative effects to the present positive monetary policy.So the author thinks, it has already been the inherent request of interest rate marketlization to transform the postal saving into the commercial bank assuming sole responsibility for its own profits or losses.