摘要:郵政儲蓄銀行的成立標志著郵政儲蓄與郵政正式分離，郵政儲蓄真正開始了獨立經營、自負盈虧，以獨立的姿態公平的參與市場競爭的道路。然而要與在制度、業務、經驗等都相當成熟的商業銀行的金融機構的角逐并不容易，郵政儲蓄銀行必須正視自身存在的關于服務、業務種類、人員素質等問題，并充分的利用自己龐大的網絡規模、雄厚的儲蓄資金的比較優勢，同時考慮郵儲服務“三農”、支援農村建設的特殊任務，積極的采取措施形成具有自身特色金融產品與金融服務，提高自身競爭力。本文先簡要回顧郵政儲蓄的歷史變遷和發展現狀，進而引出郵儲銀行存在的問題及意義，對我國郵政儲蓄銀行的未來發展提出對策。

關鍵詞：郵政儲蓄銀行 面臨問題 發展策略

Abstract:The establishment of postal savings bank and postal marks the formal separation of postal savings, postal savings really began operating independently, and self-financing, in an independent attitude to participate in market competition in a fair way. However, commercial banks compete not easy,  with the system, business, experience, and so very mature financial institutions.Postal savings banks must face up to its own presence on the services, business type, the quality of personnel issues, and full use of its vast the network size and a solid savings of comparative advantage, taking into account the postal savings service "three rural issues", to support the specific task of rural development. Postal savings banks should take positive measures to form with its own characteristics and financial products and financial services to improve their competitiveness. This article first briefly reviewed the historical changes in the postal savings and development of the status quo, and problems in Postal Savings Bank and its significance.Then I will give advices for China's future development of the postal savings bank to propose a solution.

Key Words : Postal savings bank   The problems faced by   Development strategy