Research On Business Operation In Postal Savings Bank Of China Of Zhangjiajie Branch

With the rapid development of China's social economy,the gap between urban and rural development is also getting wider and wider.Narrowing the gap between urban and rural development is the top priority of today's social development.Although China's rural development is relatively slow,diversified rural economic markets have gradually formed.President Xi Jinping pointed out in the report of the 18 th national congress that solving the problems of farmers,agriculture and rural areas is the top priority of the whole party.China's Postal Savings Bank fully responded to President Xi's call,followed closely the steps of the Party,grasped new strategic opportunities,gave full play to its own advantages,served the "three rural areas",and provided comprehensive and convenient financial services for the vast number of rural customers.The establishment of Postal Savings Bank is mainly a commercial bank that serves the rural areas,agriculture and farmers in our country.It mainly serves the poor or the rural population in remote mountainous areas,takes root in the "rural areas" and serves the "three rural areas",and strives to improve the backward and chaotic development situation of China's rural financial market.The Zhangjiajie Branch of China Postal Savings Bank has been registered and listed in Zhangjiajie Administration for Industry and Commerce since March 2008.The business of Zhangjiajie Branch of China Postal Savings Bank is mainly divided into deposit business,loan business and intermediate business.Through nearly ten years of development,Postal Savings Bank Zhangjiajie Branch has made great contributions to the construction of a new countryside in Zhangjiajie and the narrowing of the gap between urban and rural development,further improving the living standards and income of farmers.In the process of development,the policy advantages of Zhangjiajie Branch of Postal Savings Bank have been brought into full play,and the problems existing in the development cannot be ignored.Firstly,in the first chapter,this paper explains the social reality background of the establishment of Postal Savings Bank of China,the research purpose and significance of this paper.Based on the research and analysis of commercial bank business by foreign experts and scholars,this paper briefly introduces the different research of foreign scholars on the development of commercial bank's debt,assets and intermediary business,and further introduces the domestic scholars' exposition of the important concepts of the three major business sectors of Postal Savings Bank and their research and analysis of business development.Experts and scholars at home and abroad are reviewed and the research contents and methods of this paper are introduced.In the second chapter,the related concepts and theoretical basis involved in the paper are shown in detail,such as imperfect competition market theory,financial market theory,credit subsidy theory,etc.In the third chapter,the basic situation and personal business development of Zhangjiajie branch of Postal Savings Bank are introduced,and the coverage,development status and achievements of the three major business sectors are analyzed and displayed in detail.In the fourth chapter,the problems and reasons of personal business of Zhangjiajie Branch of Postal Savings Bank are expounded.The fifth chapter puts forward corresponding countermeasures and suggestions on the basis of the above analysis.Finally,combined with the actual situation of Zhangjiajie Postal Savings Bank,further find out the reason,and finally put forward suggestions to solve the problem.