Strategy & Countermeasure Research Of China Postal-saving Bank

Post saving is an important and special member in the financial system of China. Its significance lies in that the financial scope takes the fifth seat, just behind the four national banks. Its particularity lies in that it is not a real financial system doing the financial business, to be more specific, doing the limited financial business, but belongs to the post office administratively. The scope and strength of the intendance and management department who control it is limited. During the 20 years, post saving depends on the support of the trans-saving policy of the People's Bank without any risk of management. And the competition between the post saving and other banks is unequal. To establish the post saving bank is an trend for sure with the constantly development of the reform of the financial system and the reform of the post system. In order to compete with other banks fully in the market and maintain post saving'benefit, the new-founded post saving bank's strategic positioning, goals, organization frame and corresponding business plans have become the focus of government department, post department, financial supervision department and theory circles'dispute. This paper discusses the above issues deeply and develops how to find a strategic positioning and how to set goals, organization frame and corresponding business plans. Hopefully this paper can give some suggestions on post saving's healthy and speedy development. This paper can be divided into four parts.The first part mainly analyzes the necessity of the postal deposit reform and foundation of our country. First, the postal deposit plays a very important...