China Postal Savings Bank In The Rural Financial Services In The Functional Orientation Analysis

The Party's 16 session of Fifth Plenary Session made a significant decision- speeding up the construction of a new socialist countryside. Building a new socialist countryside is a significant historic task in our country. The rural economic development will finally decide whether our country can realize the modernization or not .Our rural economy has multitudinous problems.Particularly, the rural financial problems place an important impact on our rural economic development. The rural financial supply is the key problem.The first chapter analyzes the present rural financial situation, which emphasizes on our countryside's various financial organ conditions. It argues that China Agricultural Development Bank, four big State-owned Commercial Banks and the Rural Credit Cooperative were unable to satisfy rural financial demands. There are serious financial supply problems in the countryside. It also gives a brief introduction of rural financial demands.The second chapter begins from the serious financial insufficiency of rural areas and attempts to find the appropriate theory basis for solving our country's rural financial questions and serving the Postal Savings Bank by quoting predecessor's theories to seek the theoretical support for the new countryside.The third chapter mainly introduces the history of the Postal Savings Bank as well as the problems which the Postal Savings Bank have faces from its establishment, including the product development, talented person and so on. The fourth chapter is the case analysis. we can know clearly about the direction of Postal Savings Bank's development through analysising Kaifeng Postal'related conditions of .In chapter5, we want to obtain some conclusions and countermeasures to serve the rural finance by studying other financial institutions in the countryside and the superiority and inferiority analysis of the Chinese Postal Saving Banks . Then establishes the rural financial role of the Chinese Postal Savings Banks.At last,we come to the conclusions that the Postal Savings Bank should insist on the homogenization competition and the variation competition and pay equal attention to strategy. We should focus on promoting the core competitiveness in the variation competition on the basis of the stable and expanded homogenization competition achievement. We should set up a"the popular bank"image in the common management style, especially must expand the financial investment in the countryside , and strengthen the postal savings the rural finance delivery function, expand various credit operation and the scale, cooperate with other rural financial organizations, such as the Rural Credit Cooperative, the China Agricultural Development Bank, the folk financial organizations and so on .We should develop deposit fund using way which the bank large quantity agreement deposit optimizes;Guide the farmers to make full use of various kinds of middle service provided by the postal savings;we can also take advantage of its formidable mesh point superiority to provide the settlement and the proxy service for the Rural Credit Cooperative and the Agricultural Development Banks. Thus the China Postal Savings Bank will establish the important position in rural financial service.On March 20. 2007, the China Postal savings Bank was established officially. Until to May 2007, the postal savings bank balance had reached as much as 1,690,000,000,000 Yuan, toping 5 among the national banking system. There are more bank networking mesh points in the countryside than any national banking system. And the postal savings banking procedure reaches as much as 35,000. It proliferates the whole nation, communicating the city and country. The relationship between Postal Savings Bank and the postal service industry is a rich natural resource in the country development financial service. At the same time, no non-performing loans and the perfect countryside mesh point is also unique superiority.By comprehending full description of the financial market's present situation in the countryside and the superiority and the inferiority of the postal savings banks, the author believes that the Postal Savings Bank will play a vital role in the rural financial service.