摘要:邮政储蓄银行的成立标志着邮政储蓄与邮政正式分离，邮政储蓄真正开始了独立经营、自负盈亏，以独立的姿态公平的参与市场竞争的道路。然而要与在制度、业务、经验等都相当成熟的商业银行的金融机构的角逐并不容易，邮政储蓄银行必须正视自身存在的关于服务、业务种类、人员素质等问题，并充分的利用自己庞大的网络规模、雄厚的储蓄资金的比较优势，同时考虑邮储服务“三农”、支援农村建设的特殊任务，积极的采取措施形成具有自身特色金融产品与金融服务，提高自身竞争力。本文先简要回顾邮政储蓄的历史变迁和发展现状，进而引出邮储银行存在的问题及意义，对我国邮政储蓄银行的未来发展提出对策。

关键词：邮政储蓄银行 面临问题 发展策略

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