Postal financial services are retail financial services provided to urban and rural residents on the basis of comprehensive utilization of the infrastructure, personnel and other resources of postal outlets.

1. Organizational structure: The Postal Savings and Remittance Bureau is directly affiliated with the State Post Bureau and is its second-level unit.

Each province (autonomous region, city) has a postal savings and remittance bureau, which is subordinate to the local post office.

The Postal Savings and Remittance Bureau of the State Post Bureau has eight functional departments: Comprehensive Management Department, Savings Business Department, Remittance Business Department, Agency Business Department, International Business Department, Business Development Department, Audit and Inspection Department, Fund Clearing Center, etc.

2. Business development 1.

Postal savings business.

2.

Postal remittance business.

my country launched postal remittance business in January 1898.

In recent years, the postal remittance business has developed steadily, with about 220 million money orders issued every year and more than 270 billion yuan in remittances collected.

Domestic postal remittance business types mainly include ordinary remittance, telegraph remittance, account remittance, ceremonial remittance, etc.

Currently, we are actively relying on information technology to develop electronic remittance, online remittance and other businesses.

Opened with the United States, Japan, Finland, Switzerland, Italy, Belgium, Brazil, South Korea, Thailand, Singapore, Malaysia, Spain, France, Austria, Denmark, Yugoslavia, Peru, Romania, Vietnam, Kazakhstan, Hong Kong, National Treasure Bank, Pakistan

bill exchange business in 23 countries, regions or institutions.

All 236 remittance bureaus in 31 provinces (cities, districts) across the country have launched this service.

In 1999, international exchange receipts and remittances amounted to US$40.3 million, and exports amounted to US$258,100.

3.

agency business.

The postal department began to develop agency business in the late 1980s.

In the past two years, the development of agency business has been intensified.

At present, the main types of agency business include insurance agency, treasury bond agency, collection and payment agency (such as agency payment of wages, agency payment of pensions, agency agency of telephone bill collection), etc.

In 1999, 31 provinces (cities, districts) across the country signed concurrent insurance agency agreements.

By October 2000, the number of bureaus offering insurance agency business reached 16,000.

Other intermediary businesses currently opened include the following categories: agency business: lottery, Great Wall card; collection business: mobile phone fees, fixed phone fees, paging fees, issuance fees, tuition fees, book fees, traffic fines, vegetable money,

Milk fee, agricultural electricity fee, tourism fee, water fee, electricity fee, gas fee, cable TV fee, Internet communication fee, property fee, health fee; agency business: pension, wages, laid-off workers' relief fund, unemployment benefits, medical care

Insurance money; other businesses: postal savings IC cards, consumer cards, phone cards; co-operating business outlets with China Unicom; paying phone booth fees; selling pagers, Internet cards, corporate bonds; paying taxes.

4.

Postal financial computer network construction.

5. Corporate business Since the beginning of 2008, Postal Savings Bank has successively conducted pilot projects for corporate business across the country.

At present, the business is being further expanded. The existing businesses mainly include basic businesses such as corporate deposits, bills, payment and settlement services, online banking, corporate loans and other businesses. Loan business 1. Product definition: Postal Savings Bank of China provides services to the majority of private enterprises

It is a short- to medium-term operating loan issued by the owner (natural person) and secured by real estate as collateral or guaranteed by a guarantor.

2. Loan objects: 1. Private business owners: including individual business owners, sole proprietorships, partnership partners, and shareholders of limited liability companies; 2. Age, 18-60 years old, excluding Hong Kong, Macao and Taiwan; 3. Self-employed, sole proprietorships

The enterprise must be a legal representative; partner or shareholder, with shares exceeding 30%; 4. Legal business procedures, business license, tax registration certificate, organization code certificate; 5. Operation period: generally 12 months, and the credit status is particularly good

, can be 6 months; 6. Business location: local.

3. Loan limit: The minimum credit limit for a single borrower is 100,000 yuan and the maximum is 1 million yuan.

4. Loan period: minimum one month, maximum five years, no penalty for early repayment.

5. Loan types 1. Personal business loans secured by real estate; 2. Small loans guaranteed by guarantors: 2 guarantors as guarantees, the maximum loan limit is 100,000 yuan, no mortgage required.

3. Joint guarantee loan: 3 private business owners with business licenses form a joint guarantee team. The team members bear joint and several guarantee responsibilities for each other. Each person can obtain a loan of 100,000 yuan, with a maximum of 300,000 yuan.

6. Featured advantages: 1. Low loan interest rates: 6.903% within 1 year (inclusive); 7.02% from 1 year to 3 years (inclusive); 7.488% from 3 years to 5 years (inclusive).