Postal financial services are retail financial services provided to urban and rural residents on the basis of comprehensive utilization of the infrastructure, personnel and other resources of postal outlets.

1. Organizational Structure

The Postal Savings and Remittance Bureau is directly affiliated with the State Post Bureau and is its second-level unit. Each province (autonomous region, city) has a postal savings and remittance bureau, which is subordinate to the local post office. The Postal Savings and Remittance Bureau of the State Post Bureau has eight functional departments: Comprehensive Management Department, Savings Business Department, Remittance Business Department, Agency Business Department, International Business Department, Business Development Department, Audit and Inspection Department, Fund Clearing Center, etc.

2. Business development

1. Postal savings business.

2． Postal remittance business.

Our country launched postal remittance business in January 1898. In recent years, the postal remittance business has developed steadily, with about 220 million money orders issued every year and more than 270 billion yuan in remittances collected. Domestic postal remittance business types mainly include ordinary remittance, telegraph remittance, account remittance, ceremonial remittance, etc. Currently, we are actively relying on information technology to develop electronic remittance, online remittance and other businesses. Opened with the United States, Japan, Finland, Switzerland, Italy, Belgium, Brazil, South Korea, Thailand, Singapore, Malaysia, Spain, France, Austria, Denmark, Yugoslavia, Peru, Romania, Vietnam, Kazakhstan, Hong Kong, National Treasure Bank, Pakistan bill exchange business in 23 countries, regions or institutions. A total of 236 remittance bureaus in 31 provinces (cities, districts) across the country have launched this service. In 1999, international exchange receipts amounted to US$40.3 million, and exports amounted to US$258,100.

3． agency business.

The postal department began to develop agency business in the late 1980s. In the past two years, the development of agency business has been intensified. At present, the main types of agency business include insurance agency, treasury bond agency, collection and payment agency (such as agency payment of wages, agency payment of pensions, agency agency of telephone bill collection), etc. In 1999, 31 provinces (cities, districts) across the country signed concurrent insurance agency agreements. By October 2000, the number of bureaus offering insurance agency business reached 16,000. Other intermediary businesses currently opened include the following categories: agency business: lottery, Great Wall card; collection business: mobile phone fees, fixed phone fees, paging fees, issuance fees, tuition fees, book fees, traffic fines, vegetable money, Milk fee, agricultural electricity fee, tourism fee, water fee, electricity fee, gas fee, cable TV fee, Internet communication fee, property fee, health fee; agency business: pension, wages, laid-off workers' relief fund, unemployment benefits, medical care Insurance money; other businesses: postal savings IC cards, consumer cards, phone cards; co-operating business outlets with China Unicom; paying phone booth fees; selling pagers, Internet cards, corporate bonds; paying taxes.

4. Postal financial computer network construction.

5. Corporate business

Since the beginning of 2008, the Postal Savings Bank has successively carried out pilot projects of corporate business across the country. The business is currently being further expanded. The existing businesses mainly include basic businesses such as corporate deposits, bills, payment and settlement services, online banking, corporate loans and other businesses. Loan business 1. Product definition:

China Postal Savings Bank provides short- and medium-term operating loans to private business owners (natural persons) with real estate as collateral or guarantor guarantee.

2. Loan objects:

1. Private business owners: including individual business owners, sole proprietors, partnership partners, and shareholders of limited liability companies;

2. Age, 18-60 years old, excluding Hong Kong, Macao and Taiwan;

3. Self-employed persons and sole proprietorships must be legal representatives; partners or shareholders, shares exceeding 30;

4. Legal business procedures, business license, tax registration certificate, organization code certificate;

5. Operating period: generally 12 months, if the credit status is particularly good, it can be 6 months;

6. Business location: local.

3. Loan limit:

The minimum credit limit for a single borrower is 100,000 yuan and the maximum is 1 million yuan.

4. Loan period:

The minimum is one month and the maximum is five years. No penalty will be charged for early repayment.

5. Loan Types

1. Personal business loans guaranteed by real estate;

2. Small loans guaranteed by guarantors:

2 guarantors as guarantee, the maximum loan amount is 100,000 yuan, no mortgage required.

3. Joint Guarantee Loan:

3 private business owners with business licenses form a joint guarantee team. The team members bear joint and several guarantee responsibilities for each other, and each person can obtain a quota. A loan of 100,000 yuan, ***300,000 yuan.

6. Featured advantages:

1. Low loan interest rate:

6.903 within 1 year (inclusive); 7.02 from 1 year to 3 years (inclusive); 3 years to 5 years (inclusive) 7.488.

Example: A loan of 1 million yuan, with a term of one year, using the equal principal and interest repayment method, and the interest required is 37,784 yuan.

7. Features and advantages:

1. Fast loan speed:

*Small loans without collateral, disbursed in 2-3 days;

*Business loans mortgaged by real estate are disbursed within 15 working days.

2. Revolving line, borrow and repay at any time:

After the credit limit is determined, it can be reused within five years.

For example: the borrower's credit limit approved by Postal Bank is 1 million yuan. The borrower is like having a credit card with a limit of 1 million yuan. Within the limit of 1 million yuan, he can use it at any time. return.

3. Flexible repayment methods:

*One-time principal and interest repayment method, applicable to loans within 6 months;

*Equal repayment of principal and interest Method;

* Phased equal principal and interest repayment method, the grace period is 6 months, and only interest is repaid in the first 6 months. After the grace period, repayment will be based on the standard equal principal and interest method.

4. Flexible mortgage and guarantee methods:

*Mortgage real estate: including personal commercial housing, office rooms, ground-floor shops, villas, etc.

*Property ownership: personal property in the name of the borrower, spouse, and immediate family members (parents, children, brothers and sisters) of both parties.

*Mortgage rate: up to 60% of the mortgaged property.

*Location: local administrative region.

5. The professional service process is transparent.

6. Advocate a sunny and transparent credit civilization, require credit officers to strictly abide by the "eight no-nos" rules and regulations, and provide borrowers with efficient and high-quality services.

7. There are 24 outlets in cities, suburbs and counties to accept loan business, making it convenient for borrowers to apply nearby.

8. Materials required to apply for a loan:

1. Proof of identity: ID card of the loan applicant, spouse’s ID card (if married), household register, marriage certificate or Other identity certificates;

2. Legal business procedures: business license, tax registration certificate, organization code certificate, etc.;

3. Mortgage information: real estate certificate and deed of the mortgaged property , Land use right certificate;

4. Operation or financial records: bank statements of corporate or personal settlement accounts in the past 6 months, recent tax payment certificates, and other documents reflecting repayment ability or asset strength.