Or please bring your ID card and bank card to the counter of Postal Savings Bank for online banking. The bank card of China Postal Savings Bank can open personal online banking. Personal online banking can be handled at any postal savings bank in China that opens online banking counter business;
Operation link:
Mobile phone model: opporeno
APP: China Post Mobile Banking
Version: 7.5.2
Advantages: Postal Savings Bank has a huge market advantage since its establishment. Relying on the good credit environment of postal enterprises, based on the business outlets all over the country, making use of extensive network advantages and distinctive operation mode, it has irreplaceable market advantages in the fierce competition.
Disadvantages: the Postal Savings Bank lacks flexibility in the use of assets, focusing on low-risk bond market investment, supplemented by deposits, and its asset allocation is not reasonable enough; Due to the characteristics of enterprises, outlets cover township areas, so it is difficult to provide generous welfare benefits and attract highly educated and skilled employees; The Postal Savings Bank has been continuing the old fund management, and deposits are deposited in the People's Bank of China, paying attention to security and keeping a respectful distance from financial innovation.
On this basis, the advantages and disadvantages of Postal Savings Bank are analyzed in detail. The analysis results show that the Postal Savings Bank has advantages in network, capital, cost, brand and reputation.
However, it is still relatively backward in terms of asset-liability structure, talents, institutional mechanisms and financial innovation. Therefore, the Postal Savings Bank should seize the opportunity, give full play to the internal advantages of enterprises, use external networks, open up new markets and improve competitiveness.