加入WTO预示着中国金融市场全面进入竞争时代，外资银行凭借其服务理念、科技手段、创新能力和市场经验的优势对我国银行中间业务形成冲击。这对于尚处在业务探索中的邮政金融来说，无疑又增加了新的竞争压力。面对机遇与挑战，我们必须适应新的竞争形势，理清发展的思路，采取 The accession to the WTO heralds the full entry of Chinese financial markets into the era of competition. Foreign banks, by virtue of their service philosophy, technological means, innovative capabilities and market experience, have an impact on the intermediary business of China’s banks. This undoubtedly adds another new competitive pressure to postal finance, which is still in business exploration. In the face of opportunities and challenges, we must adapt to the new competitive situation, sort out the ideas of development and adopt