中国邮政储蓄银行提供农村金融支持的思考

中国邮政储蓄银行为农村金融发展提供了一条新的途径。为更好发挥邮政储蓄银行支持农村金融的作用，应明确其法律定位为准商业银行，通过制定法律法规，规范邮政储蓄资金回流农业和农村，保障农村金融体系信贷投放能力。同时通过完善中国邮政储蓄银行的治理结构、给予实现政策性功能的优惠措施和建立风险管理机制等，注重邮政储蓄资金回流农村的风险防范。

A Ponderation over Postal Savings Bank of China Providing Financial Supports for Rural Areas

The postal savings bank provides a new way to rural financial development. In order for the postal savings bank to better play a role in supporting rural finance, it is suggested that it should be legally made definite that the postal savings bank is paracommercial bank; relevant laws and regulations be made to make it sure that the fund from postal savings can return to agriculture and the countryside and guarantee the capacity of investment of credit loan of the rural financial system; the managemental structure of the postal savings bank be perfected; the favorable measures be provided to play the role of policy; a risk-controlling mechanism be established.