Research On The Development Strategy Of The Postal Savings Bank Under The Prospect Of The Integration Of Urban And Rural Areas

The Postal Savings Bank of China, the predecessor of the State Post Office of the postal savings and remittance. It is a subsidiary of China Post Group, a wholly owned subsidiary of the company, after the national postal savings and exchange bureau of institutional reform, it is out of the. The nature of the postal savings bank and other commercial banks in China are different. This article is the research direction of Shanxi province postal branch of the internal environment and external environment, to emphasize the integration of urban and rural areas in today's conditions, advantages and disadvantages of the postal savings bank in the competition in the trend of the. Furthermore, combined with theoretical knowledge, the postal savings bank in a detailed analysis of the advantages of its development in Shandong province and how to make up for their own shortcomings. The postal savings bank can be analyzed through their own business analysis, thus obtains its position in Shandong Province, at the same time that the direction of development after the bank, to determine how to ensure and improve the comprehensive strength of the bank, the bank can continue to develop. Measures can be taken to the bank internal transformation, the transformation of the business mainly includes the following aspects:management, business services, business processes, the bank's strategic planning. Through this method, we can realize the sharing of resources between the postal bank and the postal agency Finance Bureau, so as to improve the overall interests of the postal bank.The Postal savings bank in Shanxi has a great advantage, its network resources are very rich, to achieve a full range of coverage. In Shanxi, the postal savings bank has a very good reputation, the postal savings bank operating in a hundred years, without any adverse business industry. At the same time, the postal savings bank staff is also very strong, they have good style, solid work hard, diligent diligent. However, even if the outstanding enterprises also have defects. For example:the ability of the postal savings bank to resist risks is weak, can not be timely prediction and assessment of risks. At the same time, the commercial banks now demand standard, business type and quality of the postal savings bank is not able to meet the needs of the times, in addition, the quality of staff and professional technology needs to be improved. To a certain extent, some disadvantages of postal bank hindered the postal savings bank to change large retail banks pace can be explained from the following aspects:the lack of professional technical management personnel within the bank employees, the management system is not perfect, the relative business site where the environment and the reality does not meet the service function at the same time, the bank can provide less. More importantly, the company's internal staff of the reward and punishment system is not clear enough. As the postal savings bank in Shandong is still a relatively fresh thing, not too much experience to learn. So, whether it is the development of the model or the future direction of development, the postal savings banks need to continue to explore and accumulate experience. Because of this, the postal savings bank to succeed in transition to become a retail bank, it needs to do its own business strategy formulation:business level and functional level, on this basis, the direction of the development of the direction of the bank.