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邮政汇兑资金是邮政汇兑户的资金,全国月平均收汇25亿元上下。一笔汇款从收汇到兑付一般需要3—5天的时间。因为这是专项资金,不能移作他用,邮电部、人民银行协定,汇超局的余额存入银行,银行不计付利息,兑超局从银行透支,亦不向银行付息,由于互不计息,邮电局、银行对这项资金觉得没有经济效益,管理不严。首先是邮电局用款计划性不强,银行提必付,缺乏严格监督。其次是对发生在邮电部门中挪用、贪污汇兑资金的问题,银行不积极追究,邮电局认为是占用的银行的无息资金,无损于企业的经济利益,因此管理也比较松弛。鉴于此,对邮政汇兑资金吃“大锅饭”的管理方式必须加以改革,改革的方向是:银行、邮电局双方用经济杠杆的手段共同管理、使用好这项资金,邮局兑超用款向银行透支,邮局向银行支付利息,邮局汇超余额存入银行,银行给邮局计付利息,以此督促邮局、银行加强邮政汇兑资金的管理。
Postal exchange funds are the funds of postal exchangers, the national average monthly exchange earnings of 2.5 billion yuan up and down. A remittance from the receipt to pay generally take 3-5 days. Because this is a special fund, can not be transferred for other purposes, the Ministry of Posts and Telecommunications, the People’s Bank of China agreement, the balance of exchange supervisors deposited in banks, banks do not pay interest, against the super-bureau overdrafts from the bank nor the banks to pay interest because each other Interest-bearing, post offices, banks feel that this fund has no economic benefits, lax management. First of all, the plan of the post office is not strong, the bank will pay, lack of strict supervision. Second is the embezzlement and embezzlement of exchange funds that took place in the post and telecommunications departments. The banks did not actively pursue them. The post office considered the interest-free funds of the banks that they occupied and did not detriment to the economic interests of the enterprises. As a result, management was also lax. In view of this, the management of postal foreign exchange funds to eat “big pot” must be reformed, the direction of reform: banks, post offices jointly managed by the economic leverage of the use of this fund, the post office overdraft to the bank overdrafts, The post office pays interest to the bank, the post office surrenders the excess balance into the bank, and the bank pays interest to the post office to urge the post office and the bank to strengthen the management of the postal exchange funds.