Provide basic financial services for urban communities and rural residents.
By the end of 2006, the balance of postal savings deposits in China has reached 1.6 trillion yuan, ranking fifth in China. Keep postal savings green
There are more than 65.438+0.4 billion customers, and the amount of personal settlement handled by postal savings and remittances exceeds 265.438+0 trillion yuan every year, among which, it is remitted from cities to rural areas.
The funds reached 1.3 trillion yuan. There are nearly 25 million insured customers, accounting for one-fifth of the entire bank insurance market, with independent capital.
The application scale is close to 1 trillion yuan.
The Postal Savings Bank will set up a rural financial service department to actively improve the network service function and carry out the business of agriculture, countryside and farmers. Consider postal savings
Two-thirds of the outlets are located in rural areas at or below the county level, especially in some remote areas, where postal savings are the only available finance for local residents.
Service, therefore, from the perspective of meeting the growing basic financial needs of the broad masses of rural people and improving rural financial services, the future Postal Savings Bank will
Rural outlets should proceed from the overall situation of serving agriculture, countryside and farmers, improve their functions, enrich their business and strengthen cooperation with policy banks and rural areas.
The comprehensive cooperation of cooperative financial institutions will further increase the postal savings funds to support agriculture and further expand the coverage and satisfaction of rural basic financial services.
Historically, postal savings has been managed as an internal postal organization for a long time, and the internal control and risk prevention mechanism are relative.
The weak and lack of talent reserve will restrict the development of Postal Savings Bank. After the establishment of the Postal Savings Bank, it will strengthen its professionalism.
Management. For a long time, these problems will still exist to varying degrees.
Learning the management experience of modern banks will be the primary task of the Postal Savings Bank in its early days. Risk monitoring is the focus of the next postal savings bank, postal
After the establishment of the Bank, it will establish and improve the capital restraint mechanism with capital adequacy ratio as the core, and comprehensively improve the risk management level in the deepening of business.
Management ability. Therefore, from the perspective of steady operation, the business scope of the Postal Savings Bank will be to provide basic financial services for urban and rural residents and engage in low risk.
We started from the asset business and gradually expanded new business by continuously strengthening the internal management and risk control capabilities of banks.
The Postal Savings Bank will continue to rely on the postal network to continuously enrich and expand its business varieties according to the corporate governance structure and the management requirements of commercial banks.
Broaden business channels, improve service level, and further strive to build a financial service network that connects urban and rural areas and covers the whole country, and build it into a well-funded and well-controlled one.
A modern bank with strict management, safety and strong competitiveness.
The Postal Savings Bank will focus on developing diversified financial products in the future. At present, it has formed a liability business with principal+savings deposits as the main body; With domestic,
International remittance, transfer business, bank card, agency insurance, securities, collection and payment and other forms of intermediary business; Interbank bond market business,
Asset business with large agreed deposits, syndicated loans and micro-loans as the main channels.