Postal Reform The Postal Savings Bank To Carry Out Low-end Client Wealth Management Business

Postal Savings Bank of China set up in the late of 2006, it's an important reformative part of Chinese Post Bureau System by state to improve the development of Chinese commercial bank system and raise Chinese financing service level. So Civil mid-and -low personal customers, including people of cities and villages and towns, are the main personal financing service target market of the new bank.Due to the releasing of financial regulation, financial globalization and liberalization, and rapid increasing of personal incoming and wealth, personal banking service is now becoming the main source of bank profit. Although civil personal financing business starts barely at present, there will be a great market. Every commercial bank has been cognizant of personal financing service's essentiality and necessity and is scrambling for high-customers market. How to develop the personal banking services towards the mid-and-low customers? This is an issue of great importance facing Postal savings bank of China.In this thesis, we expound four parts, the background and orientation of Postal Savings Bank of China, the research of mid-and-low personal financing market, the challenges of Postal Savings Bank of China developing Personal Financing Business and the strategy and measures to expand the market. We believe that via subdividing the client market, step by step increasing finance content, upgrading service quality, personal financing business of Postal savings bank of China will enter more pleasant stage and make more progress than ever.