Postal savings bank is a commercial bank. China Postal Savings Bank was transformed into a joint stock limited company on 20 12 and 1, which is a large state-owned commercial bank. Postal Savings Bank refers to China Postal Savings Bank, which can be traced back to the postal savings opened in 19 19, and its business scope is to absorb public deposits; Handle exchange business; Engaged in bank card business; Acting for payment and insurance agency business; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling, acting as an agent to buy and sell foreign exchange. Banks are legally established financial institutions engaged in monetary and credit business, the product of the development of commodity monetary economy to a certain stage, and also one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, franchisees, investment banks and the World Bank, all of which perform their duties.