国家邮政局在《关于邮政储汇业务发展和管理的若干意见》中指出，下阶段邮政储汇业务的发展要在经营思路、发展重点、竞争方式等方面逐步调整和转变，要将经营思路从“偏重储蓄发展”转变为“以储蓄为基础，积极发展汇兑、代理保险及各项中间业务”；将发展重点从“单纯扩大余 In its “Opinions on the Development and Management of Postal Savings Business”, the State Post Bureau pointed out that the development of the postal savings business in the next stage should be gradually adjusted and transformed in terms of business ideas, development priorities and modes of competition, etc., and business ideas should be changed from “ Emphasis on savings development ”to“ based on savings, actively develop the exchange, agency insurance and various intermediate business ”; will focus on the development of" simple expansion