Firstly , the postal savings development lag in the entire financial system market , such as too sole service , low personnel quality , lag and not very standard internal management , and be short of exterior supervising and managing etc . secondly , the non - independent calculation mechanism of postal savings ; thirdly , the entire postal service department deficient vigor and competition consciousness ; fourthly , at present the postal savings technical level is still very weak 首先簡要介紹了我國郵政儲蓄的發(fā)展歷史,然后介紹了發(fā)達(dá)國家郵政儲蓄的發(fā)展現(xiàn)狀,希望能對我國郵政儲蓄提供一些有益的啟示,最后列舉了郵政儲蓄與銀行儲蓄的差別,目的是將銀行業(yè)的一些發(fā)展策略應(yīng)用到郵政儲蓄改革當(dāng)中。第二章,詳細(xì)地陳述了目前我國郵政儲蓄存在的主要問題與困難,并深入分析了這些問題與困難的成因。