The Research On Products Development Of Postal Savings Bank Of China

Postal Savings Bank of China(PSBC) was founded on March 20th, 2007, which symbolized Post Savings Organization being in charge of various banking business completely according to the requirements of the Law of Business Bank. Banking products are one of the most important parts in banking business management, on the basis of the innovation direct of PSBC, strategy orientation gradually evolving into the very clear situations, so how to get through the reform transition period and the development pioneering period and how to form post finance products system boasted of comparative advantages, industrial characteristics, market repayment and development potentials, are no doubt serious thinking problems.Firstly, the dissertation points out three aspects, namely, research status of community bank, reform and development direction of post savings system both at home and abroad, and banking products research. In the meantime, due to post savings system possessing strong pubic services and community bank having close to people, these features are identical with PSBC. So the intermediary business and retail business will be the key to the development of post savings bank in the near future. Secondly, the dissertation also analyses the development status and the whole environment of PSBC, Form the point of community bank, the dissertation presents the basic orientation of product system of PSBC and sums up four gaps referred to plan, structure, security and service existing in PSBC at present. Thirdly, the dissertation accounts for strategy choice and five programs for product development of PSBC. Based on the design of post savings products system, it introduces diversified products strategy, products composing strategy, better process strategy, product brand strategy and so on. The dissertation lays down five kinds of products development programs. They are products in debt, capital products, balance products, middle business products and financing products, etc. Finally, the dissertation brings forward security measures of post savings products, such as organization, technical terrace, risk management, human resources, net channels, etc. In addition to, the dissertation makes out the effect evaluation target of products development, that is, product competitions, product risks and product profits.