Study On The Development Of Postal Finance Based On County

Since the adoption of an opening and reform policy, China’s economic construction has made remarkable achievements. The development of Industrialization and Urbanization was accelerated. The national economy continued to grow at a relatively rapid speed. However, the rural economy in the proportion of the whole national economy is declining. The gap of urban and rural resident’s income is increasing. The farmers’ income even decline in absolute value in the late ninety s. Issues concerning agriculture, countryside and farmers plagued the country economic development an important problem. It is impossible to realize agricultural development, rural prosperity and rural rich without the development of the rural economy. Rural economic development is inseparable from the support of rural finance. The postal savings bank is the most widely covered by urban and rural markets, the most wide-area network, the largest volume of transactions financial institutions, and it has natural relations with rural economic development, postal financial will have a significant impact on the development of country economics. At present, however, there still exists such problems as their own money returning back to the city, the growing rural financial vacuum, and singleness of mechanism in the operation of funds. Only when these problems are resolved can postal finance play an important role in the rural economic development.This paper mainly put Lin’an’s postal financal service development as the research object, using comparative analysis and SWOT analysis, and through the surveys of Lin’an status of postal financial services, and the comparative analysis of rural and postal financial in industry characteristics, advantages and disadvantages, we think that the county’s postal finance is a new developed financial institutions. Its development still exist various problems, such as poor infrastructure, lack of talents, inappropriate in management mechanism, lack of competitiveness compared with commercial banks and narrow business and so on.Aiming at these problems, this paper puts forward suggestions such as actively expanding business, strengthening system construction, advancing informationization construction, strengthening training of personnel, continue to strive for country’s financial policy support.and strengthening the cooperation and exchange between banks and so on. This paper argues that, in the county’s economic social environment, if the postal financial want to seek long-term stable development, it must seek innovation in system management, business marketing and technology services, to achieve the mutual win of its own and rural financial markets.