Study On Personal Banking Service Of Postal Savings Bank Of China

Postal Savings Bank was built on 20 March 2007, which is the fifth bank in China.It is the focuses that how it will change its managemental model, make its capital structure better and reverse its present situation in maket. So the dissertation studies personal banking service of Postal Savings Bank of China.Combining the quantitative analysis and qualitative analysis, this dissertation details the present situation of Postal Savings Bank. Then it compares the condition of postal personal banking services in foreign countries. And it applies Porter Model to analyze the situation inside and outside. Finally it proves that Postal Savings Bank must develop the personal banking service, and puts forward some suggestions on it. The main conclusions are as follows:1. The current situation of Postal Savings Bank: Since Postal Savings operated from 1986, it developed very quickly. It characterized by rich capital, many operating site and so on. But its development is restrained by many factors, such as fund, technology and personnel's quality, the abilities of innovation, etc.2. The reasons of developing personal banking service are: (1) to transfer management mechanism and adapt financial system reform. Postal Savings Bank of China is organized by original postal Savings. Its executive had the serious inertia and redeposited the People's Bank of China by the high interest rate to obtain the huge profit for a long time. But since becoming the independent bank, it has to implement "the independent management, assuming responsibility for own profits and losses, self- restraint" to manage, and its benefit completely maintains in own management achievement. (2) the reform of redeposit interest rate making the deposit service fall into difficult position. (3) the restriction of risk and personnel factor, so fund independent utilization is hard to bring about climate. (4) to use own original superiorities to expand profit. (6) that the public wealth pattern change provide the realistic foundation for personal banking service. (7) that the unceasingly mature of individual financial investment idea brings the giant market demand for the development of personal banking service. (8) to have the comparative and latter superiority. (8) to face the intense market competition.3. The significance of developing personal banking service is: (1) to impel the development of national economy. Through carring personal banking service, the bank guides, serves and participates in the chang of our country individual property structure. (2) to adapt the change of circumstances. (3) to optimiz capital structure, raise the comprehensive income level.4. The conditions to develop the personal banking service are: (1) International model. Through the analysis overseas development characteristics, it proposes enlightenment to our country. (2) that people have stong damand. (3) that personal banking service already involves the property, debt and intermediary service aspects at present. (4) that almost every bank provide personal banking services to customers. (5) that the postal savings' deposit scale has been situated national fifth, had 32,000 operational sites, and already had the certain well-knownness in the nation. In the postal savings' development course, most successfulness is "the whole staff marketing". But to too rely on traditional marketing channel is obviously insufficient now. And the state-owned enterprise management frame doesn't suit its future development.5. The countermeasures of improving the personal banking service are: (1) to subdivide the market and accurate localization. (2) to develop each service. It should take the green card as the key point, vigorously develop the agent safe service market, develop postal + finance product, and enlarge with commercial bank's cooperation. It should make itself be the countryside bank, and positively support the countryside development. (3) to improve grade of service, remould the service idea. (4) to combine the marketing channel, strengthen the marketing and after-sale service to make the well-known brand. (5) to introduce the advanced technology. (6) to introduce and train staffes to improve the personnel quality. (7) to strengthen strict internal quality control. (8) to accelerate the innovation.