国外邮政金融发展模式及对我国的借鉴与启示（英文论文及翻译）.doc

国外邮政金融开展模式及对我国的借鉴与启示Foreign postal financial and development model to China and draw inspiration中文约2900字First, foreign financial development model Post 1、Post and confuse the financial business model 2、 postal and financial business model separation 3、the Post Office to withdraw from the financial services area 4、with the color of the postal savings mode一、国外邮政金融的开展模式 1、邮政与金融混淆经营模式2、邮政与金融别离经营模式 3、邮政退出金融效劳领域 4、具有行政色彩的邮政储蓄模式 Second, foreign postal financial development model of comparison and reference二、国外邮政金融开展模式的比拟与借鉴 (A) national postal savings business development in common(一)各国邮政储蓄业务开展的相同之处 1. Persist in the public nature of banking services.1.坚持群众银行效劳本色。

Postal savings and other financial business formed from the start full use of the postal network advantage, directly to the majority of ordinary residents of urban and rural services. At the same time cultivating citizens thrift, the good habit of saving, accumulate funds for national construction. Postal financial services in the public has enjoyed in the "bank of civilians," a reputation. Netherlands Bank has become the country's largest retail bank, but still has not changed for the civilian population of the qualities of service. Netherlands Bank has become the country's largest retail bank, but still has not changed for the civilian population of the qualities of service. Compared with the general commercial banks, the Netherlands Bank adhere to three basic operating principles: First, regardless of who the users are high-income or low-income people, Post Bank are to provide good service; Second, the Post Bank to provide users with the services as simple as possible products, services, facilities and scope for the Popularization of the needs of the three services is to uphold a lower price. In the Netherlands 15650000 population of 6.7 million households, more than two-thirds of the families are Bank of users. In the Netherlands the country's savings business and banking payment card market, the Bank's market share reached 15 percent and 42 percent.邮政储蓄等金融业务的形成从一开始就是充分利用邮政网络优势，直接为广阔城乡普通居民效劳。

同时培养公民节俭、储蓄的良好习惯，为国家建设积累资金邮政金融效劳在公众中一直享有“平民银行〞的美誉荷兰邮政银行已经成为本国最大的零售银行，但仍没有改变为平民群众效劳的本色与一般商业银行相比，荷兰邮政银行坚持三条根本的经营原那么：一是不管用户是高收入者还是低收入者，邮政银行都为其提供良好的效劳；二是邮政银行为用户提供尽可能简单的效劳产品、效劳设施和范围适用于群众化的需要；三是坚持较低的效劳价格在荷兰1565万人口的670万个家庭中，三分之二以上的家庭都是邮政银行的用户在荷兰全国的储蓄业务和银行支付卡市场上，邮政银行的市场占有率分别到达15%和42%2. To establish an effective financial product marketing system. Postal financial services sector is the biggest advantage of relying on the postal network formed by strong sales ability. In France, financial services products through three levels of sales channels to achieve. First, 17,000 points of window services, mainly to provide the simplest service products and the other is based on the financial markets demand the establishment of the 24 financial services centre, providing more complex services; Third, in accordance with the requirements of business development, the establishment of 5 Special financial services centre, to provide special financial services.2.建立有效的金融产品营销体系。

邮政部门提供金融效劳最大的优势就是依托邮政网络所形成的强大销售能力在法国，金融效劳产品通过三个层次的销售渠道实现一是1.7万个网点的窗口效劳，这主要提供最简单的效劳产品；二是根据全国金融市场需求建立了24个金融效劳中心，提供比拟复杂的效劳内容；三是按照业务开展要求，建立5个特别金融效劳中心，提供特殊金融效劳3. Through Direct Mail, telephone and the Internet to promote financial services products. With all retail services, postal financial network of retail business in addition to providing services, but also make full use of various channels of publicity and marketing, business correspondence, telephone and Internet direct postal financial services are the main marketing channel choice. In Japan, postal savings every year sent 25 million letters a commercial site, referring users to service products. For example, users of postal savings in the use of payment cards, if they deposit has been exhausted, will soon receive a letter from the postal savings to customers on consumer credit and provide credit overdrafts or other services. Netherlands Bank in each of the various users to dial direct telephone 60000000, publicity referral to a variety of retail financial services business. In addition, the Bank has also established a dedicated web site, the average daily traffic over 70,000 people. By telephone and the Internet, the Netherlands Bank also offers telephone banking and Internet banking services.3.通过商函、 和互联网推销金融效劳产品。

与所有零售效劳一样，邮政金融零售业务除了利用网点提供效劳外，还充分利用各种渠道进行宣传和营销，商业信函、 直销以及互联网效劳都是邮政金融选择的主要营销渠道在日本，邮政储蓄每年都要发出2500万封有址商业信函，向用户推荐效劳产品例如，邮政储蓄的用户在使用支付卡时，如果发现存款己经用完，很快就会收到一封邮政储蓄的信函，向用户介绍并提供消费信贷或其他信用透支效劳荷兰邮政银行每年要向各种用户拨打6000万个直销 ，宣传推荐各种零售金融业务另外，邮政银行还设立了专门网站，每天的平均访问量超过7万人次通过 和互联网，荷兰邮政银行还能提供 银行和网上银行效劳B) national postal savings business in the development of different(二)各国邮政储蓄业务开展的不同之处 1. Width different lines of business. Postal savings bank's business scope of the basic equivalent to other commercial banks, with the Post in a mixed operation or implementation of the prospective commer。