邮政储蓄银行可以认证威客吗

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解决时间 2021-07-19 07:20

提问者网友：精神病院里
2021-07-18 19:40

我的卡是绿卡淘宝联名卡:可以在威客认证吗

最佳答案

五星知识达人网友：鱼芗
2021-07-18 20:23

该方案为本项目的中标方案

因为不知道你是要中文还是英文,都发给你吧.也不知道是否符合你的要求?
谢谢!

国外邮政金融发展模式及对我国的借鉴与启示
Foreign postal financial and development model to China and draw inspiration
中文约2900字
First, foreign financial development model Post
1、Post and confuse the financial business model
2、 postal and financial business model separation
3、the Post Office to withdraw from the financial services area
4、with the color of the postal savings mode
一、国外邮政金融的发展模式
1、邮政与金融混同经营模式
2、邮政与金融分离经营模式
3、邮政退出金融服务领域
4、具有行政色彩的邮政储蓄模式

Second, foreign postal financial development model of comparison and reference
二、国外邮政金融发展模式的比较与借鉴

(A) national postal savings business development in common
(一)各国邮政储蓄业务发展的相同之处

1. Persist in the public nature of banking services.
1.坚持大众银行服务本色。

Postal savings and other financial business formed from the start full use of the postal network advantage, directly to the majority of ordinary residents of urban and rural services. At the same time cultivating citizens thrift, the good habit of saving, accumulate funds for national construction. Postal financial services in the public has enjoyed in the "bank of civilians," a reputation. Netherlands Bank has become the country's largest retail bank, but still has not changed for the civilian population of the qualities of service. Netherlands Bank has become the country's largest retail bank, but still has not changed for the civilian population of the qualities of service. Compared with the general commercial banks, the Netherlands Bank adhere to three basic operating principles: First, regardless of who the users are high-income or low-income people, Post Bank are to provide good service; Second, the Post Bank to provide users with the services as simple as possible products, services, facilities and scope for the Popularization of the needs of the three services is to uphold a lower price. In the Netherlands 15650000 population of 6.7 million households, more than two-thirds of the families are Bank of users. In the Netherlands the country's savings business and banking payment card market, the Bank's market share reached 15 percent and 42 percent.
邮政储蓄等金融业务的形成从一开始就是充分利用邮政网络优势，直接为广大城乡普通居民服务。同时培养公民节俭、储蓄的良好习惯，为国家建设积累资金。邮政金融服务在公众中一直享有“平民银行”的美誉。荷兰邮政银行已经成为本国最大的零售银行，但仍没有改变为平民大众服务的本色。与一般商业银行相比，荷兰邮政银行坚持三条基本的经营原则：一是不论用户是高收入者还是低收入者，邮政银行都为其提供良好的服务；二是邮政银行为用户提供尽可能简单的服务产品、服务设施和范围适用于大众化的需要；三是坚持较低的服务价格。在荷兰1565万人口的670万个家庭中，三分之二以上的家庭都是邮政银行的用户。在荷兰全国的储蓄业务和银行支付卡市场上，邮政银行的市场占有率分别达到15%和42%。

2. To establish an effective financial product marketing system. Postal financial services sector is the biggest advantage of relying on the postal network formed by strong sales ability. In France, financial services products through three levels of sales channels to achieve. First, 17,000 points of window services, mainly to provide the simplest service products and the other is based on the financial markets demand the establishment of the 24 financial services centre, providing more complex services; Third, in accordance with the requirements of business development, the establishment of 5 Special financial services centre, to provide special financial services.
2.建立有效的金融产品营销体系。邮政部门提供金融服务最大的优势就是依托邮政网络所形成的强大销售能力。在法国，金融服务产品通过三个层次的销售渠道实现。一是1.7万个网点的窗口服务，这主要提供最简单的服务产品；二是根据全国金融市场需求建立了24个金融服务中心，提供比较复杂的服务内容；三是按照业务发展要求，建立5个特别金融服务中心，提供特殊金融服务。

3. Through Direct Mail, telephone and the Internet to promote financial services products. With all retail services, postal financial network of retail business in addition to providing services, but also make full use of various channels of publicity and marketing, business correspondence, telephone and Internet direct postal financial services are the main marketing channel choice. In Japan, postal savings every year sent 25 million letters a commercial site, referring users to service products. For example, users of postal savings in the use of payment cards, if they deposit has been exhausted, will soon receive a letter from the postal savings to customers on consumer credit and provide credit overdrafts or other services. Netherlands Bank in each of the various users to dial direct telephone 60000000, publicity referral to a variety of retail financial services business. In addition, the Bank has also established a dedicated web site, the average daily traffic over 70,000 people. By telephone and the Internet, the Netherlands Bank also offers telephone banking and Internet banking services.
3.通过商函、电话和互联网推销金融服务产品。与所有零售服务一样，邮政金融零售业务除了利用网点提供服务外，还充分利用各种渠道进行宣传和营销，商业信函、电话直销以及互联网服务都是邮政金融选择的主要营销渠道。在日本，邮政储蓄每年都要发出2500万封有址商业信函，向用户推荐服务产品。例如，邮政储蓄的用户在使用支付卡时，如果发现存款己经用完，很快就会收到一封邮政储蓄的信函，向用户介绍并提供消费信贷或其他信用透支服务。荷兰邮政银行每年要向各种用户拨打6000万个直销电话，宣传推荐各种零售金融业务。另外，邮政银行还设立了专门网站，每天的平均访问量超过7万人次。通过电话和互联网，荷兰邮政银行还能提供电话银行和网上银行服务。

(B) national postal savings business in the development of different
(二)各国邮政储蓄业务发展的不同之处

1. Width different lines of business. Postal savings bank's business scope of the basic equivalent to other commercial banks, with the Post in a mixed operation or implementation of the prospective commercial operation in the postal savings permitted scope of business than the postal savings bank to be much more narrow. Such as Deutsche Post Bank as the Almighty Bank; still in a mixed operating under the French postal savings business only species of savings, insurance, financial management and liquidation four major categories, the postal savings funds can only be used to buy treasury bonds or treasury of national savings, Japan Post Savings in a very long period of time will all of its funds through the Department of the Ministry of Finance uses of funds, to finance investment and financing to use their own funds may not use any form.
1.业务范围宽窄不一。邮政储蓄银行的业务范围基本等同于其他商业银行，而处于与邮政混合经营或实行准商业化经营的邮政储蓄获准的业务范围比邮政储蓄银行要狭窄得多。如德国邮政银行为全能银行；尚处于混合经营下的法国邮政储蓄业务品种仅有储蓄、保险、理财及清算四大类，邮政储蓄资金只能用于购买国债或转存国家储蓄金库；日本邮政储蓄在很长一段时期将其全部资金通过大藏省资金运用部，交给财政投融资进行运用，自己不得对资金进行任何形式的运用。

2. Varying support for the Government. Germany, the Netherlands postal savings bank and commercial banks no longer any difference between the Government of the postal savings basically no special policy support. France, Japan there are different levels of policy support. Such as the French postal savings entitled to certain preferential policies for the exemption of interest income tax, while Japan established the annual October for postal savings, postal provinces nationwide savings in promotional activities, government departments full assistance
2.政府扶持力度不一。德国、荷兰邮政储蓄银行与一般商业银行已无什么差别，政府对邮政储蓄基本没有特别的政策支持。而法国、日本都存在不同程度的政策扶持。如法国邮政储蓄享有一定的免征利息所得税优惠政策，而日本确定每年的10月为邮政储蓄月，邮政省在全国范围内开展储蓄促销活动，政府部门通力协助。

3. Service concept means different. Despite the different business models under the postal savings and service targets are located in the basic personal, pay attention to the quality of service, but the national postal savings service concept and meaning there is still some difference. Such as Germany, the Netherlands and other countries of the postal savings, their services are generally reflected in the retail business of constant innovation and development, the full range of business, or stability to attract new customers, while still in the development stage of the postal savings reform, the general Highlighted their financial business concessions and convenience.
3.服务理念手段不一。尽管不同经营模式下的邮政储蓄，服务对象基本都定位于个人，都注重服务质量，但各国邮政储蓄的服务理念及内涵还是存在一定的差别。如德国、荷兰等国的邮政储蓄，其服务一般体现在零售业务的不断创新和拓展上，以业务种类齐全、新颖来吸引或稳定客户群；而对于尚处于发展改革阶段的邮政储蓄，一般突出其金融业务的优惠性和便利性。

Third, foreign postal financial development models of China's postal savings business of the Enlightenment
三、国外邮政金融发展模式对我国邮政储蓄业务的启示

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1楼网友：举杯邀酒敬孤独
2021-07-18 21:09

行！怎么会不行！

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