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dui xiang zhen you chu yu nong cun xin yong she ye wu jing zheng zhong yi xie xian xiang de fen xi
Author(s): 
Pages: 63-64
Year: Issue:  8
Journal: Xi'an Finance

Keyword:  农村信用社业务竞争人民银行抵押贷款乡镇农村金融邮政储蓄存款余额手续费邮储网点;
Abstract: <正>乡镇邮储是指邮政储蓄设在乡镇一级办理村民储蓄业务的网点.这些邮储网点由于具有只存不贷、存多利多的业务特点,因而在经营中几乎无风险.加之人民银行对邮储转存又付之以较高的利息率(邮储在人民银行“长期存款户”利率为12.4%,活期为3.15%.转存款总额中长期与活期分别按93%和7%的比例掌握).因此,邮储部门抓存款工作的动力很大.一些乡镇邮储部门纷纷在各村设立不挂牌的协储点,将事先盖好公章的存款单据交给村协储员,由协储员在本村办理吸储业务.邮储部门付给村协储员的报酬为月均存款余额万分之八的手续费,若存款余额超过10万元,其手续费费率还可提高,协储员并享有免费安装电话,奖励自行车等优惠待遇.由于邮储部门的激励措施得力,使得各村协储员想尽一切办法去吸储存款,实质是挖走了村信用站的存款,对农村信用社的存款业务造成了很大威协.
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