Research On Management Of Assets Business Of China Postal-savings Bank

By the postal networks which extend all over the country, Chinese postal savings has been providing financial service, such as deposit and exchange. For people both in city and country since it was established in 1986. In the end of 2006,Chinese postal savings been the fifth largest financial in situation in china, in the scale of deposit, only inferior to the industrial and commercial bank, the bank of china, the china construction bank, and the agricultural bank of china. It has 37,000 branches, 70% which are in rural area.With the development and the reformation, the People's Bank of China have reduced the special policies to the postal saving. In 2003,the People's Bank of China reformed the accounting method of interest in changing postal savings to deposit. And it defined that from the August 1st in 2003, the added savings which was deposited to the People's Bank of China would follow the rate of 1.89% as the reserve of the financial institution, and the existing deposit would be used within five years independently. At the end of December 2006, the assets had reached to 874 billion dollars with the independent usage of postal savings, most of which was the wholesale property business as the negotiable deposit,bond etc.In this text, it recalled the history of postal savings. And analyzed the status and question and problem in management,reformation and the usage of fund. It put forward that the key problem of present postal savings was conflict between the limited way of fund usage and the booming of deposits.By analyzing the inner and outside environment of postal deposition, it disclosed the advantage and disadvantage inner part, and the opportunity and threat of the exterior environment, and it implied that in present, the way of fund using should be expanded based on the existing wholesale property business, and should accumulate the experience, train the skill, try the make the retail assets business as small sum loan and consuming loan etc.In the text it also analysis the management, controlling risk in the negotiable deposit, bond, loan and the retail assets business as small sum loan and consuming loan etc. which have still in planned.