1. Regulatory requirements: Postal savings are restricted by foreign exchange regulatory requirements of countries or regions. The government will implement the foreign exchange control policy, control the capital flow and maintain the national economic stability. These policies restrict individuals or institutions from conducting foreign exchange settlement business.

2. Management of foreign exchange reserves: The government needs to manage the national foreign exchange reserves to maintain the balance of international payments and exchange rate stability. In order to manage foreign exchange reserves, the government restricts foreign exchange settlement business to control the relationship between foreign exchange supply and demand.