The question of postal savings, what are the characteristics of postal savings

1. The Postal Savings Bank of China is separated from the original postal department, and other commercial banks, such as Bank of China, China Construction Bank, Agricultural Bank of China, and other financial departments with the same financial nature, are subject to the supervision and guidance of the People's Bank of China.

2. Postal savings cards also have annual fees and management fees, but they are slightly cheaper in other banks.

3. The passbook can not be deposited and withdrawn in a lump sum, the passbook has a current passbook or a lump sum passbook, the lump sum deposit is called a deposit certificate, the card and the passbook are the same concept, the latter can be withdrawn or queried at any UnionPay ATM.

4. The green card can be swiped outside, including abroad. As far as I know, there is no fee for card consumption, and there will be a handling fee for withdrawing money at ATMs in other provinces, which seems to be slightly cheaper like other banks. It is more cost-effective to brush abroad.

5, so any interest rate of the bank is the same, including postal savings.

6. Foreign currency fixed deposit is not accepted temporarily. However, it seems that there is a Western Union remittance business, and the details are unknown.

I hope the above knowledge will be useful to you.

The Postal Savings Bank of China is a financial sector with the same financial nature as other commercial banks, such as the Bank of China, the Construction Bank, the Agricultural Bank of China, etc., which is separated from the original postal department, and it does not belong to any bank, although it has its own business, but it is basically the same, and the interest rate is guided by the People's Bank of China

Because it has shortcomings, such as few discounts and uneven quality of salesmen. And many companies do not support postal online banking.

Some netizens said that the interest rate of the postal bank is lower than that of other banks, and the business scope is still very complicated, and they are worried that it will not operate well, and it will incur losses and finally go bankrupt.

Why are you afraid of the Postal Savings Bank This is a misunderstanding, although he has more business now, but this also shows from the side that the postal development is very good. At the same time, the Postal Savings Bank is one of the six major state-owned banks in China, which itself is very safe and secure, and users are very reliable in making deposits in it, so there is no need to worry. And there is no such thing as being afraid of the Postal Savings Bank.

The role of bank cards.

Consume. Cardholders can make purchases or pay labor fees at special merchants according to the scope of use and methods specified by the issuing bank, usually by presenting the bank card and entering the reserved password, or presenting the identity document, which can be used instead of cash. Deposits, withdrawals, and exchanges.

Cardholders can use bank cards to make deposits, withdrawals (including non-local and inter-bank withdrawals) and remittances.

Overdraft. Credit card holders can also apply for a certain amount of credit overdraft. Use of unit cards.

Cash deposits and withdrawals are not allowed on the corporate card, and all funds in the corporate card are transferred and deposited from the basic account. The unit card can handle the settlement of commodity transactions and labor payments, but it is not allowed to overdraw. <>

Categories: Business Banking >> Personal Finance.

Problem description: Pros and cons? Analysis:

Government savings have the following characteristics:

1.Wide range of services: Postal savings has the characteristics of many points, wide coverage, long business hours (open in the morning and closed in the evening, no rest on holidays), and close to residents' lives (outlets are located in residential areas, markets, commercial buildings and other places).

2.Variety: The service tenet of Beijing Postal Savings is "service first, customer first". In addition to the normal savings business, also:

It has set up a variety of agency services such as salary payment, sales and exchange of treasury bonds, insurance agency, collection of long-term bills, and local telephone bills.

3.Convenient and fast: The Postal Savings Green Card Network is currently the largest computer network in the country that processes the deposit and exchange business in real time.

The savings passbook can be used for remote deposit and withdrawal business at postal savings network points in networked cities across the country, and can be withdrawn at ATMs with savings cards.

Fund. 4.Confidentiality and reliability: Postal savings remote access must be made with a password. Users can change the card password at any ATM machine as needed.

Codes, passbooks and savings cards can be used with different passwords, and if the user accidentally loses the passbook or savings card, they can be connected to the nearest Internet point.

Handle temporary loss reporting, so as to ensure the safety of user funds.

The full name of the postal service is China Post Group Corporation, and the full name of the postal savings bank of China is the difference between the two

1. The nature is different, the full name of the postal service is China Post Group Corporation, which is a large-scale wholly state-owned enterprise established in accordance with the Law of the People's Republic of China on Industrial Enterprises Owned by the Whole People on the basis of the operating assets and some enterprises and institutions owned by the former State Post Bureau. The Postal Savings Bank is a state-owned commercial bank established on the basis of reforming the postal savings management system.

2. The affiliation is different, China Post Group Corporation is the most authorized investment institution, and undertakes the obligation of maintaining and increasing the value of state-owned assets. The Ministry of Finance is the state-owned asset management department of China Post Group Corporation. The Postal Savings Bank of China is only a financial branch of China Post Group Corporation, and the competent authority is China Post Group Corporation, that is to say, Postal Savings is only a subsidiary of China Post.

3. Different businesses, China Post Group Corporation is mainly engaged in domestic and international mail delivery, newspaper and other publications distribution, postal exchange, postal savings, postal logistics, stamp issuance and other businesses. In accordance with the relevant provisions of the state, undertake the obligation of universal postal service; Entrusted by the state, it undertakes special services such as confidential communications services and conscription communications. The Postal Savings Bank is mainly engaged in banking and financial business.

Appendix: Introduction to Japan Post Bank:

The Postal Savings Bank of China was formally established on March 20, 2007, and is a commercial bank established on the basis of reforming the postal savings management system. The Postal Savings Bank of China will inherit the postal finance business operated by the former State Post Bureau and China Post Group Corporation and the assets and liabilities formed thereby, and will continue to engage in the business of approval and approval of the original business scope and business license documents. Mail.

Summary. If you are sure that the deposit has decreased, you can go to the bank to check the account and check the flow, if you have a screenshot of the latest deposit, or mobile phone consumption SMS is better.

If you are sure that the deposit has decreased, you can go to the bank to check the account and check the flow, if you have a screenshot of the latest deposit, or mobile phone consumption SMS is better.

What should I do if my parents have less money in postal savings:

There should be an open text message, call up the balance of the mobile phone text message, take a screenshot, as evidence, and then go to the staff of the bank branch to reconcile.

Periodically, for many years:

On a regular basis, there must have been an agreement signed before, like this kind of agreement can be queried in the bank app or bank outlets, you don't have to worry, don't panic, go to the bank branch and let the staff help you check it.

It is said that it cannot be checked:

12378 CBIRC direct complaint.

How not to check is their dereliction of duty.

Do you have a **? :

I'm typing very slowly :

12378 This is the bank's supervision system**, which is the superior unit of the bank, you directly hit this**, and someone will take it now.

Letters should be delivered at the local post office service window, or at the mailbox of the school or community attached to it.

It is important to note that the post office and postal savings are not one institution. The predecessor of the Postal Savings Bank was the Postal Savings Bureau, which used to be a subordinate unit of the Post Office. Later, it was separated and established as a bank, but it was still co-located with the post office.

You don't have to make such a clear distinction between the post office and the postal savings bank, in fact they are inadvertently together, and the personnel are not completely independent. However, post offices now have separate counters, some of which handle banking and some of which handle mail and parcels.

In addition, if there is no post office or postal savings institution in the annex, you can choose the express point mail or express door-to-door pickup service, compared to the blockade, express mail without stamps, the speed is much faster than the mail, but the cost is ten times higher.