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The Post Office has always had a mission to help the nation¡¦s economy by gathering money-in the form of savings deposits- from ordinary citizens to create a large sum of capital, by steadying finance situation to help economics growth. And this is a powerful instrument for the Central Bank to control the country¡¦s Monetary Policy. General economic studies point out the importance of postal savings, but they always fail to look at the issue of Post Office. This thesis try to use statistics test and regression analysis to predict the influence of economic variables on the surplus changes of the Directorate General of Postal Remittances and Savings Banks to research the change trend and to explain the relation between of operational results and economic variables. And to analyze their main difference on two models ¡Vnet income and net interest is claims on financial institutions. Because the way the post office uses the capital is narrow and the Trans-saving to other Banks are old-fashioned, it is difficult for the post office to stay competitive. Therefore, the way the Post Office uses the capital should be discussed. On the other hand, this study will show the main risk of interest rate in three patterns to analyze the risk involved in financial operations and to be served as a reference for portfolio. To reforms the organism of Post Office to the banks, Since the country¡¦s banks are becoming deregulated and more international. I suggest in this forward-looking study that the Post Office should combine with the Export/Import Bank to become a truly international development bank. Not only will this make the Post Office more efficient, but it will also reduce the impact on the banking environment when the Post Office becomes a bank. The final goal of this suggestion is to improve the efficiency of the banking community and improve the use of the country¡¦s economic resources so that the Post Office can make its best contribution to the country.

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