Compared with the five major banks, what is the development prospect of the Postal Savings Bank as t

The prospects for development are very good. The scale of the Postal Savings Bank is still relatively large, and the advantages are also obvious, with many outlets.

I think the prospects for development are still very good, and the recognition of this bank by the people in many markets is still relatively high.

Japan Post Bank should also be very popular, because they have always been very formal occasions in my eyes, and they are no worse than other banks in all aspects.

What is the difference between the Postal Savings Bank and the Big Five?Why?The Postal Savings Bank, Bank of China, Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China, and Bank of Communications are known as the six major banks in China, with more total annual savings and outlets than other banks, and the difference between the six banks is not too big.

1. There is a difference between the time of establishment and its predecessor

The Postal Savings Bank was spun off from the former post office and was established relatively late, while the five major banks were gradually formed in order to spin off the banking business of the People's Bank of China and let the People's Bank of China supervise various financial institutions.

Second, the scale is different

The Postal Savings Bank is spun off from the post office, and the scale of the post office is relatively large, and its business has basically penetrated all the rural areas in China, so the outlets of the Postal Savings Bank in the country are probably the most among the six major banks, reaching more than 40,000, and the largest number of the five major banks is only more than 20,000 Agricultural Bank.

Third, the subjects served are slightly different

The Postal Savings Bank was born out of the post office, so the mass base of the Postal Savings Bank is relatively good, and many people in the rural areas use the Postal Savings Bank to handle related financial business, which is also due to the advantages of the Postal Savings Bank in the rural areas. Although the main business of the other five major banks is spread across urban and rural areas, the main group is still in urban areas.

Fourth, the positioning of banks is different

PSBC's main development direction is more inclined towards retail business, while the other five major banks are more inclined to corporate business. Because the Postal Savings Bank was established relatively late, and the development of the company's business has only been in recent years, the Postal Savings Bank has a big gap with the five major banks in terms of the ability to obtain customers for the company's business and the ability to control the risks of the company's business.

Most of the business of the postal bank is the same as that of the five major banks, and the difference is mainly manifested in several aspects, first, the postal business is wide, it not only includes the normal bank storage business, but also includes the mail business of the express industry, as well as the letter mailing business, many people in remote areas mainly use the postal service. Second, the postal bank is spread all over the country, and its number of outlets is very large, such as the town where we live, there is the postal bank. His banking business takes into account the needs of the masses and is particularly well located.

Third, the business of the postal bank not only provides business for major companies and institutions, but also provides great convenience for rural people's bank storage.

Introduction of the Postal Savings Bank of China, postal savings in the country has about more than 40,000 outlets, he was first established in 1919, so far has a history of 100 years, its values are to create value for customers, to achieve inclusive urban and rural business, to provide customers with more convenient services, its business model is mainly manifested in self-management and the implementation of the first together, the service object is the three rural residents, urban and rural residents and small and medium-sized enterprises. Their service concept is humanized, and their management philosophy respects the realization of employees' personal value.

China's five major banks refer to: China Construction Bank, Industrial and Commercial Bank of China, Farmers Bank of China, Bank of China and Bank of Communications and other five comprehensive banks, the five major banks not only have strong comprehensive business capabilities, but also have abundant funds, a very wide range of business, their financial business is an important part of China's financial system, providing financial support for enterprise production and technological transformation, the five major banks are the banks with the highest trust of the people.

For us ordinary people, whether it is to choose the postal bank or the five major banks are OK, for individuals, to handle deposit and withdrawal business or remittance business, etc., there is no big difference between their banks, for business owners, choose the five major banks for financial business, than to choose the postal bank is better.

The Postal Savings Bank was established earlier than the five major banks, the business scope of the Postal Savings Bank is different from the business scope of the five major banks, the Postal Savings Bank is smaller than the five major banks, the Postal Savings Bank has more business than the five major banks in terms of business, and the Postal Savings Bank is much slower than the five major banks in terms of postal speed, but the postal savings bank is very unpopular with people, because the profit margin of the postal savings bank is very low, and there are many people who do not like to use the Postal Savings Bank, So I think there are a lot of differences between the Postal Savings Bank and the Big Five.

The efficiency of the Postal Savings Bank is much higher than that of the five major banks, the popularity of the Postal Savings Bank is much higher than that of the five major banks, the business policy of the Postal Savings Bank and the business policy of the five major banks are different, the profit margin of the Postal Bank is much lower than that of the five major banks, the postal delivery speed of the Postal Savings Bank is much slower than that of the five major banks, and the Postal Savings Bank is very unfavorable. But I think the most important thing is that the Postal Savings Bank is much smaller than the big five banks.

Postal Savings Bank funds are smaller than other banks, loan business is less than other banks, postal banks are all over the city, rural towns, other banks are mostly in the city, postal staff salary and benefits are not as good as the other five major banks, more hard, postal bank outlets are more than the other five major banks, the development orientation of the postal bank tends to retail business, the other five major banks, is inclined to the company's business.

The difference is that the storage method is different, the storage interest rate is different, the interest rate is not the same, the interest rate is not the same, the security is different, and the way of operation is different. Because the Postal Savings Bank can also be used to send and receive express delivery, the service attitude is better, and it is more oriented to the masses and the poor, so the service will be more.

The difference is very large. The interest rate of the Postal Savings Bank is relatively high, and at the same time, it can also have a certain amount of security, because the Postal Savings Bank is a kind of government unit of the state, so there is no need to worry about bankruptcy.

The postal bank has low interest rates and a bad service attitude.

The reason why the Postal Savings Bank is classified as the sixth largest state-owned bank is because it is worthy of the title of the sixth largest state-owned bank in terms of nature and scale.

First of all, the Postal Savings Bank is a large commercial bank controlled by the state.

The Postal Savings Bank is the original post office savings bank and the post and telecommunications system savings business integration, before the listing of the Postal Savings Bank by the China Post Group 100% holdings, China Post Group is subordinate to the Ministry of Finance.

In 2007, after the listing of the Postal Savings Bank, its equity was diluted, but at present, China Post Group is still the absolute majority shareholder of the Postal Savings Bank, with a shareholding ratio of more than 60%, so the nature of the Postal Savings Bank is a large commercial bank controlled by the state.

Secondly, the Postal Savings Bank can basically rank among the top 6 in the country in all sizes.

Although the Postal Savings Bank was established for a relatively short time, it undertook part of the business of the post office, so the history is still relatively long. It is precisely on this basis that the Postal Savings Bank can now rank among the top in the country in various indicators. Let's take the data related to the financial report in the first half of 2018 as an example to enumerate.

1. Ranked sixth in total assets.

As of the first half of 2018, the total assets of PSBC reached 9.2 billion yuan, and if nothing else, it is likely to surpass Bank of Communications next year to rise to fifth place in the country.

2. The operating income ranks fifth in the country.

In the first half of 2018, PSBC's operating income reached 100 million yuan, ranking fifth in the country.

3. Net profit ranks eighth in the country.

In the first half of 2008, the net profit of the Postal Savings Bank was 100 million yuan, which is not equal to the operating income of the Postal Savings Bank.

4. The scale of deposits ranks fifth in the country.

By the end of 2017, the deposit scale of the Postal Savings Bank reached about 8 trillion yuan, ranking fifth in the country.

5. The loan scale ranks sixth in the country.

By the end of 2017, the scale of loans of the Postal Savings Bank was one trillion yuan, ranking sixth in the country.

6: The business outlets rank first in the country.

At present, the Postal Savings Bank is the bank with the largest number of banking outlets in China, with more than 40,000 outlets nationwide, more than 10,000 more than the Agricultural Bank of China, which ranks second.

7. The number of employees ranks fifth in the country.

As of the end of 2018, the number of employees of PSBC was about 170,000, ranking fifth in the country, about 70,000 more than Bank of Communications.

However, although the scale of the Postal Savings Bank is relatively large, and all the data are in the forefront of the country, the Postal Savings Bank is basically still in a stage of being large but not strong, which can be seen from the net profit of the Postal Savings Bank, although the operating income of the Postal Savings Bank is higher than that of other banks, but the net profit is lower than that of banks such as China Merchants Bank. Therefore, there are still many areas that need to be improved at present.

1. In a sense, the Postal Savings Bank is a financial institution derived from the postal business. There is no shortage of companies in the world that have become state-owned banks through courier companies. This is not a precedent.

2. Postal outlets are very extensive. Each country and town has its outlets, and these outlets are just a deposit business channel**.

3. From the point of view of loan business, the postal service can pass through the third and fourth tier cities and rural areas. Absorb a large amount of deposits as their own capital management, and then lend money to first- and second-tier cities.

Because China Post's assets rank sixth among all banks, operating profits, operating income and other data are in the forefront of banks, and China Post is controlled by the state, so it is called the sixth largest state-owned bank.

Because the postal bank belongs to China Post, it is relatively a state-owned enterprise. In addition, there are many users of Japan Post Bank, so it is classified as a state-owned bank.

PSBC is the bank with the largest number of outlets among the six major banks, with nearly 40,000 business outlets and serving 100 million individual customers. However, for a long time, many ordinary people still retain the impression of the four major state-owned banks as "workers and peasants in the middle of construction", and lack sufficient understanding of the other two state-owned banks, the Bank of Communications and the Postal Savings Bank.

The outlets are mostly located in every township, and the Postal Savings Bank was split in the late nineties of the last century, when the post and telecommunications were separated, the imperial court gave the postal savings business compensation and gave financial and policy support, after more than 20 years of development.

Postal savings do not belong to China's five largest banks. The five major banks in China refer to the five large state-owned banks, including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications.

China's top five banks.

The five major banks in China refer to the five large state-owned banks, including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications. China's five major banks are all large-scale comprehensive commercial banks, with a wide range of diversified businesses, representing the most abundant capital and strength in China's financial industry.

China's four largest banks.

China's four major banks refer to the four large state-owned banks directly controlled by the state (Ministry of Finance, ** Huijin Company), including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank (industry, agriculture, China, construction), also known as the first four major banks, which represent China's most abundant financial capital force. The four major state-owned banks have gone through the development strategy of professional banks in the early days of the founding of the People's Republic of China, when each of them had a division of labor, and in the new century, each of them has basically become a comprehensive large-scale listed bank, and all of them have become among the world's top 500 enterprises.

Today's four major banks are no longer single in business scope, and are working together towards the goal of comprehensive, international, and modern large-scale commercial banks.

Postal Savings Bank of China.

The Postal Savings Bank of China can be traced back to 1919 and has a history of 100 years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was formally established. In January 2012, the overall restructuring was made into shares.

In December 2015, 10 domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange, successfully completing the three-step reform goal of "share reform, leading the war, and listing in A and H".

The bank has nearly 40,000 business outlets, serving more than 600 million individual customers, giving full play to the advantages of the unique model of "self-management + **", serving the "three rural", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and significant growth potential, the bank is a leading large-scale retail bank in China. The trip adheres to serving the real economy, actively implements national strategies and supports the construction of China's modern economic system, and achieves its own sustainable development.

Adhere to the customer-centric, create an online and offline interconnected, integrated financial service system, and provide customers with high-quality, convenient and efficient integrated financial services. Adhering to the risk-oriented approach, we continued to improve the construction of a comprehensive risk management system of "comprehensive, whole-process, and all-staff", and maintained an excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance", and provide inclusive financial services; In line with the trend of residents' wealth growth and consumption upgrading, the development of wealth finance; support the transformation and upgrading of industrial structure and the development of industrial finance; Implement major deployments for carbon peaking and carbon neutrality, and develop green finance.

Empower high-quality development with financial technology, and build a digital ecological bank serving rural revitalization and new urbanization.