邮政储蓄存款业务是当前我国开办的城乡居民储蓄存款业务中的一个组成部分，也是可以由中国人民银行作为中央银行直接进行调控的公众金融资产。这部分转存到中央银行的货币资金，同时也表现为国家可用资金的增量部分。从国民经济宏观管理的角度看，既可以成为中央银行管理货币 The postal savings deposit business is currently an integral part of the savings deposit service for urban and rural residents in our country. It is also a public financial asset that can be directly controlled by the People’s Bank of China as a central bank. This part of the monetary funds transferred to the central bank, but also the performance of the country as an incremental part of the available funds. From the perspective of macroeconomic management of the national economy, it can either become the central bank’s management currency