Research On Development Strategy Of Agency Financial Business Of China Post Of H Province

In recent years,the domestic Internet has developed rapidly,and the rapid expansion of mobile payment and financial markets has brought unprecedented competitive impact to traditional financial markets.Not only the pressure of the traditional four major banks in China has increased,but also the business pressure and risks of the Postal Savings Bank is getting higher and higher.The agency financial business still relies on the misplaced resources and channels of the original postal storage industry.The main business includes: savings,wealth management,insurance funds,and national debt,which are still mainly based on the short-term liability financial business of savings,providing long-term agency financial services in the basic stage.The "deepening system reform and accelerating the construction of a modern financial system" proposed in the report of the 19 th National Congress of the Communist Party of China put forward a new era requirement for the entire financial industry,especially the postal savings institutions with relatively poor economic structure and relatively weak financial business structure.The planning of the development road is very crucial.H Province is located in the northeastern part of China and belongs to economically underdeveloped areas.In order to truly solve the problems of deepening reform,business expansion,transformation and upgrading of the postal agency financial industry in H Province.The main research contents of this paper include: understanding the current development dilemma of the postal savings agency financial business from the actual data of the current situation,from the internal management system,employee business skills,performance appraisal,product recognition,credit system and financial services,and put forward The problem of the financial services of the postal savings agency of H province.On the basis of understanding the development status of the agency financial business of the Postal Savings Bank of H Province,the macro-environment PEST analysis method is used to analyze the political,legal,economic and technical environment of the postal agency financial business,and the SWOT analysis method is used to deeply analyze the postal savings of theprovince of H.It is found that the assets of the financial services of the Postal Savings Bank of H Province have a certain scale,and the development speed and potential are higher than the average level of most of the same industry or other provinces.At the same time,it is found that the financial services of the Postal Savings Bank of H Province should be based on profitability and risk control capabilities.Improve overall competitiveness.The development strategy of the financial services of the Postal Savings Bank of H Province including strategic objectives and strategic implementation plans was proposed.The advantage of the financial services of the Postal Savings Bank of H Province was explored,and the strategy of developing the financial advantages of the financial services of the Postal Savings Bank of H Province was proposed.