First, the establishment of organizational structure
Postal Savings and Remittance Bureau is directly subordinate to the State Post Bureau and is its secondary unit. All provinces (autonomous regions and municipalities) have postal savings and remittance bureaus, which are subordinate to local post offices. The Postal Savings and Remittance Bureau of the State Post Bureau has eight functional offices: comprehensive management office, savings business office, remittance business office, agency business office, international business office, business development office, audit inspection office and fund settlement center.
Two. business development
1. Postal savings business.
2. Postal remittance business.
China started postal remittance business on June1898+1October 65438. In recent years, postal remittance business has developed steadily, with an annual development of about 220 million bills of exchange and exchange income of more than 270 billion yuan. Domestic postal remittance business mainly includes ordinary remittance, telegram remittance, account remittance and etiquette remittance. At present, we are actively relying on information technology to develop electronic remittance, online remittance and other services. 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 and other 23 countries, regions or institutions opened currency exchange business. 3 1 236 remittance bureaus in provinces (cities, districts) have started this business. 1999, the foreign exchange income was USD 40.3 million, and the export amount was USD 2,585,438+0,000.
3. Agency business.
Postal departments began to develop agency business in the late 1980s. In the past two years, the development of agency business has increased. At present, the main types of agency business are agency insurance, agency of national debt, and collection and payment (such as payroll, pension, telephone collection, etc.). 1999, 3 1 provinces (cities, districts) all signed insurance agency agreements. By June 2000, 10, the number of insurance agency business bureaus reached16,000. At present, other intermediary businesses are as follows: agency business: lottery, Great Wall card; Collection services: mobile phone fee, fixed telephone fee, paging fee, delivery fee, tuition fee, book fee, traffic fine, food fee, milk fee, agricultural electricity fee, travel fee, water fee, electricity fee, gas fee, cable TV fee, network communication fee, property fee and health fee; Agency services: pensions, wages, relief funds for laid-off workers, unemployment benefits, medical insurance; Other businesses: postal savings IC cards, consumer cards, telephone cards; Cooperate with China Unicom; Pay the telephone booth fee; Consignment: Pagers, Internet cards, corporate bonds; Pay taxes.
4. Construction of postal finance computer network.
5. Company business
Since the beginning of 2008, the Postal Savings Bank has carried out the pilot work of corporate business nationwide. At present, the business is further expanding. The existing businesses mainly include basic businesses such as company deposits, bills, payment and settlement, online banking and company loans. Loan business. Product definition:
Short-and medium-term business loans issued by China Postal Savings Bank to private entrepreneurs (natural persons) with real estate as collateral or guarantor as guarantee.
Second, the loan object:
1. Private entrepreneurs: including individual industrial and commercial households, sole proprietorships, partnership partners and shareholders of limited liability companies;
2. Age, 18-60 years old, excluding Hong Kong, Macao and Taiwan;
3. Self-employed and wholly-owned enterprises must be legal representatives; Partners or shareholders holding more than 30% of the shares;
4. Legal business procedures, business license, tax registration certificate and organization code certificate;
5. Operating years: generally 65,438+02 months, and 6 months with particularly good reputation;
6. Place of business: local.
Three. Loan amount:
The minimum credit line of a single borrower is 654.38+ten thousand yuan, and the maximum is 1 ten thousand yuan.
Four. Loan term:
At least one month, at most five years, and there is no penalty for prepayment.
Verb (abbreviation for verb) loan type
1, personal business loan secured by real estate;
2. Small loans guaranteed by guarantors:
There are two guarantors as guarantee, and the maximum loan amount is 654.38 million yuan, without mortgage.
3. Jointly guaranteed loans:
Three private entrepreneurs with business licenses form a joint guarantee group, and the members of the group bear joint guarantee responsibilities, and each person can get a loan of 654.38+10,000 yuan, * * * 300,000 yuan.
VI. Features and Advantages:
1, low loan interest rate:
6.903% within 1 year (inclusive); 1 to 3 years (inclusive) 7.02%; 3 to 5 years (inclusive) 7.488%.
Example: The loan is RMB 6,543,800+0,000, with a term of one year. The principal and interest are repaid in equal amount, and the interest is RMB 37,784.
Seven, characteristic advantages:
1, quick loan:
* Unsecured small loans, with 2-3 days to lend;
* Commercial loan for real estate mortgage, loan 15 working days.
2. Revolving line and loan-as-you-go repayment:
After the credit line is determined, it can be recycled within five years.
For example, the credit line of the borrower approved by the Postal Savings Bank is 6.5438+0 million yuan, and the borrower is like a credit card with a credit line of 6.5438+0 million yuan, which can be used at any time and returned with the loan.
3. The repayment method is flexible:
* One-time repayment of principal and interest, applicable to loans within 6 months;
* Matching principal and interest repayment method;
* Repayment of principal and interest by equal installments, with a grace period of 6 months, and only interest will be paid in the first 6 months. After the grace period, it will be repaid in the standard way of matching principal and interest.
4. Flexible mortgage and guarantee methods:
* Mortgaged property: including individual commercial houses, writing rooms, shops on the ground floor, villas, etc.
* Ownership of property rights: personal property under the names of the borrower, his spouse and their immediate family members (parents, children, brothers and sisters).
* Mortgage rate: up to 60% of the mortgaged property.
* Location: local administrative district.
5. Transparent professional service process.
6. Advocate a sunny and transparent credit civilization, and require credit personnel to strictly abide by the rules and regulations of "Eight Prohibitions" to provide efficient and high-quality services for borrowers.
7. Twenty-four outlets in cities, suburbs and counties accept loan business, which is convenient for borrowers to apply nearby.
Eight, apply for loans need to submit materials:
1. Identity certificate: ID card of the loan applicant, spouse ID card (if married), household registration book, marriage certificate or other identity certificates;
2. Legal business procedures: business license, tax registration certificate, organization code certificate, etc.
3. Mortgage information: real estate license, deed certificate and land use right certificate of the mortgaged property;
4. Enterprise or financial records: bank statements of settlement accounts of enterprises or individuals in the past six months, recent tax payment certificates and other documents reflecting repayment ability or asset strength.