CAJ | 학술논문

近些年来县域邮政储蓄银行虽然发展较快,但其发展中也暴露出了诸多问题：银行经营管理经验不足;风险控制存在缺陷;网点布局及网点建设不够合理;人员素质和工作水平不高;服务功能欠缺.造成这些问题的成因相当复杂.表象原因包括发展起步晚、经营理念难以满足业务发展的需求、业务人员无法满足点多面广的需求、职工素质难以满足业务拓展的刚性需要;深层原因包括内部治理机制不完善、尚未得到全社会的普遍认可、传统经营方式的惯性制约.要促进县域邮政储蓄银行的又好又快发展,必须采取多种对策措施：丰富经营管理经验,完善风险防控体系,规范网点布局及其建设,提高人员素质及工作水平,完善服务功能.
근사년래현역유정저축은행수연발전교쾌,단기발전중야폭로출료제다문제：은행경영관리경험불족;풍험공제존재결함;망점포국급망점건설불구합리;인원소질화공작수평불고;복무공능흠결.조성저사문제적성인상당복잡.표상원인포괄발전기보만、경영이념난이만족업무발전적수구、업무인원무법만족점다면엄적수구、직공소질난이만족업무탁전적강성수요;심층원인포괄내부치리궤제불완선、상미득도전사회적보편인가、전통경영방식적관성제약.요촉진현역유정저축은행적우호우쾌발전,필수채취다충대책조시：봉부경영관리경험,완선풍험방공체계,규범망점포국급기건설,제고인원소질급공작수평,완선복무공능.
This article analyzes the problems in the development of China＇ s country postal savings banks such as lack of bank management experience, defects in risk control, unreasonable network layout and construction, lower quality of personnel and lower levels of work, imperfect service function and so on. It then analyzes the causes for these problems： surface reasons are late development, management philosophy fails to meet the needs for business development, bank staff can not satisfy the demand over a broad area, the quality of staff is not good enough to meet the rigid needs for business expansion. Underlying causes are as follows： inadequate internal governance mechanism, the fact tirol the banks have not yet been widely recognized by society as a whole and are subject to inertial constraints of the traditional mode of operation. The paper comes up with the following mea.sures of promoting the sound and rapid development of county postal savings banks： enrich management experience, perfect risk control system, regulate network layout and construction, improve the quality of personnel and job level and improve the service functions.