Zhongshan City Postal Savings Bank Financial Business Structure And Innovation

As the advancement which deepens along with the national finance reform, National post-deposit department reorganizes for the Postal savings bank of China (PSBC), and it was announced had been established officially in March 20, 2007 in Beijing.Looked from the nation, the PSBC is only inferior to the four greatest nationalized commercial bank. Moreover it has the suitable superiority in the broad countryside. But inspected from the single city, special for the high industrialization city, like Zhongshan city, what will the PSBC face is the survivingand and development problems. This paper is always adhering to interconnect the theories with the facts by chiefly study the literature with the enterprise practice. Systematcially exploring the savings Bank' s service structure and innovation, the paper has certain instruction and the model significance in the period of the Post-deposit transform to an indeed bank. Be restricted with the government's policy and the capability of itself, the Postal savings Bank can't transcribe the service structure of other banks and must to make service innovation. After the inspection of financial ecosystem and financial entironment, then carried on the SWOT analysis, this article has conducted the research to the Postal savings bank of China Zhongshan branch' s service structure and lead to the symbiosis problem finally.Postal savings bank of China Zhongshan branch should use the differentiation strategy in the foundation of reforger stratagem and set up a special service structure for small and medium Enterprises. Thus it causes to obtain the survival and develop space, and makes the contribution which should have for the local financial ecosystem and the economic development.