After the independent use of postal savings funds in 2003, postal savings gave priority to providing financial support to local financial institutions such as rural credit cooperatives, so that postal savings funds returned to the countryside.

After 2006, by participating in syndicated loans, Postal Savings has wholesale a large amount of postal savings funds and invested them in key projects such as national "agriculture, rural areas and farmers", rural infrastructure and comprehensive agricultural development. At the beginning of 2007, China Postal Savings Bank was formally established and began to operate according to commercialization. On this basis, explore effective forms of serving the countryside. Postal savings began the pilot work of small-sum pledge loan business of certificates of deposit in 2006, and this business was promoted nationwide in 2007. Postal savings micro-loan business was piloted in seven provinces (cities) such as Henan in 2007 and launched nationwide in early 2008. At present, there are four kinds of loan products: farmer's joint guarantee loan, farmer's guaranteed loan, merchant's joint guarantee loan and merchant's guaranteed loan. The service targets are mainly farmers, individual industrial and commercial households, private entrepreneurs and other economic entities in the county.