| As a state-owned large retail bank, Postal Savings Bank of China(PSBC) practices the serve of three agricultures, small and medium-sized enterprises, community objectives. Based on the advantages of 38000 physical branches all over the courtry and the brand image, PSBC definitely is the significant force of supporting the three agricultures financial service. In a major agricultural province, Henan PSBC has over 2000 physical branches, more than ten thousand financial professionals which can provide high-quality financial service to 53 million clients. It is the driving force of the financial system reform of rural area. Currently, as the advance of interest rate marketization, the blocks of private capital into the finanacial market are cacelled and some internal disadvantage factors such as infrastructure, prices, product, a new pattern of rural finaicial market is brewing, the traditional advantages of products and branches will disappear and the dominance in rural financial market is being threatened which make the exporation of a system of rural development which is suitable for its own characteristics important.Based on the rural financial market changes and the importance of the rural market development for Henan PSBC, this paper analyzes the impact of rural financial reform on Henan PSBC which may bring both the opportunities and challenges, from which we find the necessity of putting forward the system. Further more, this paper elaborate the beneficial exporations of sustainable developmen of Henan. Based on these, this paper visualizes the sustainable development framework of the PSBC in rural area whch takes the rural integrated services platform as support, the clients as the center, the pratt &whitney financial as objective, the sustainable development as the target. Finally, based on the system framework, this paper puts forward to the specific suggestions of Henan PSBC in rural areas which takes the six-in-one as main contents. |
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