Research On The Problems Of China Postal Savings Bank Serving Rural Economic Development

The "three rural" work is beneficial to the people's livelihood event,has always been the focus of the party and state,which is highly concerned about.The fundamental solution to these problems is how to develop the rural economy,strong support and financial needs of rural economic development.China postal savings was founded in 1919,since its inception committed to the "three rural" service.2007 re created China postal savings bank to service for agriculture,rural economic development as its important responsibility,continuous reform and innovation,the development of Scientific Outlook on Development guide service.The vigorous development of the postal savings bank business,some the extent to solve the lack of funds and high risk,and achieved good results in the financial service in rural economy.At the same time,the postal savings bank also exposed a lot of problems,for example,due to excessive competition in the rural areas and backward with other banks,exacerbated by the postal savings bank performance due to competition is not stable.The lack of differentiation,the postal savings bank is difficult to embark on a path of development with its own characteristics,homogeneity is very serious;due to lack of product innovation,is Single and lack of attraction,and not much Internet access,resulting in an insufficient supply of effective,there is a greater pressure on earnings.In this paper,based on modern financial theory,combined with the actual development of China's rural economy,explore the financial services in promoting role in rural economic development,and focus on the discussion of how to China postal savings bank in the rural economy innovation,improve the quality of financial services,to better contribute to the development of rural economy in China by the.The economic data in recent years the county Yongjiang,comparison of different bank contribution in the development of the rural economy,combined with the Yongjiang County postal savings bank 2014-2016 in rural economic development spending with different indicators,foreign successful experience on the finance,the postal savings bank to do rural economic development work,puts forward some suggestions of innovation the development of further promoting financial services.