During the National "Two Sessions", many NPC deputies, CPPCC members and mainstream media paid full attention to and positively evaluated the changes of the Postal Savings Bank in the past three years. Some followers are surprised at the rapid development of Postal Savings Bank. Some followers rejoiced, and China's financial market added a powerful force; More followers are curious, what makes the Postal Savings Bank have these gratifying changes? To this end, the reporter interviewed a number of people in the industry and tried to find its internal motivation along the development footprint of the Postal Savings Bank in the past three years.
Transformation: difficult but fruitful
The reform of postal savings system has aroused the unanimous concern of the State Council and all walks of life. Looking back on the road it has traveled, every step embodies the care and support of the party and the government. It is precisely because of this growth environment that the Postal Savings Bank put forward the idea of "building a large-scale retail commercial bank serving the community, the countryside and the public" from the day of listing, and accelerating the business transformation according to the standards of commercial banks has become the most urgent task after listing.
Like the development of many things, the transformation of the Postal Savings Bank is not smooth, the institutional problems and deep-seated contradictions left over from history exist objectively, and the fierce competition in the banking industry poses a severe challenge to the survival and development of the Postal Savings Bank. The world financial crisis is a difficult problem faced by this new bank. It can be said that in the past three years, opportunities and challenges have always been accompanied. In the past three years, difficulties and hopes have been intertwined, ups and downs; In the past three years, tradition and innovation have collided fiercely, turning the stone into gold. However, the Postal Savings Bank has kept a clear head since its listing. They realize that as a newly established bank, Postal Savings Bank has no successful experience to learn from, and must adopt a "two-step" strategy based on its own reality to explore the road of characteristic development. The first step is to deepen reform and develop comprehensive commercial banking business as soon as possible; The second step is to learn from the management experience of advanced banks and speed up the improvement of management system and operation mechanism.
With the indomitable spirit of daring to face and innovate, the Postal Savings Bank has gradually improved its corporate governance level, established a management system suitable for the characteristics of the Postal Savings Bank, formed an operational mechanism with scientific decision-making, strong execution and effective supervision, and improved its ability to manage compliance and guard against various risks. With an enterprising and bold attitude, around the needs of business development, introduce advanced management concepts of commercial banks, adhere to customer-centered, market-oriented and benefit-oriented, change the operating mechanism and embark on the road of transformation; With a good strategic vision and overall awareness, we plan to serve "agriculture, rural areas and farmers", coordinate urban and rural development, realize urban-rural linkage and mutual promotion, and expand our new space for serving the society.
Three years' practice has proved that the development of Postal Savings Bank fully respects the historical background and realistic characteristics of China Banking and China Post, and has embarked on a road of transformation with its own characteristics, which is steady and accurate.
Service: Although hard, I have no regrets.
In accordance with the functional requirements of the CPC Central Committee on strengthening the service of the Postal Savings Bank for agriculture, rural areas and farmers, combined with the market positioning of the Postal Savings Bank by the CBRC, the Postal Savings Bank has always adhered to the direction of "commercial bank serving the public" and "bank allowing farmers and urban residents to enjoy convenient financial services" for three years, and carried out its work clearly and pragmatically.
58% of the business outlets and 66% of the exchange outlets of the Postal Savings Bank are located in rural areas, which has become the main channel for communicating individual settlement between urban and rural residents. The Postal Savings Bank has been playing an active role in serving agriculture, countryside and farmers. In the past three years, in addition to traditional business, it also responded to the call of building a new socialist countryside with modern bank products and services. Personal financial products such as "Green Cartoon" and "Business Easy Link" have been launched successively, as well as a series of financial products featuring the Postal Savings Bank, such as agency insurance, funds, national debt, savings accumulation, Tianfu, wealth creation and wealth. By the end of 2009, personal settlement and consumption based on green cards have become an important settlement channel between urban and rural areas, and wealth management services have met the financial service needs of urban and rural residents.
In August, 2009, the State Council issued a major policy of benefiting farmers under the new rural endowment insurance, in which the Postal Savings Bank actively participated. Most provincial branches in China have participated in the pilot work of the new rural endowment insurance or have clearly defined their agency qualifications, among which Guangdong Branch has become the exclusive agency financial institution of the new rural endowment insurance in the province.
On June 5438+February 65438+February 9, 2009, the Beijing Municipal Government held the awarding ceremony of new rural financial institutions, and the Beijing Branch of Postal Savings Bank became the first and only franchise institution for rural credit in Beijing.
Since the promotion of micro-credit business in 2008, Postal Savings Bank has invested funds in rural areas through this business to support agricultural development and serve farmers' needs, thus alleviating the difficulties in financing and lending in rural areas. The brand of "good loan and good return" has been deeply rooted in people's hearts. By the end of 2009, among the personal loans of Postal Savings Bank, loans issued in rural areas below the county level accounted for 665,438+0.55% of all loans. On June 5, 2009, 438+1October 5, 2009, Wang Qishan, Vice Premier of the State Council, came to Xinghua Street Sub-branch in Yichuan County, Henan Province, and expressed satisfaction with the increasing efforts of Postal Savings Bank to serve agriculture, countryside and farmers, and spoke highly of the sincere services provided by Postal Savings Bank to farmers.
In the past three years, the Postal Savings Bank has invested a lot of manpower and material resources in serving agriculture, countryside and farmers, and assumed the trust and responsibility entrusted by the CPC Central Committee and the State Council with practical actions. Now, in order to further broaden the channels of serving agriculture, rural areas and farmers, they have innovatively carried out activities such as "sending loans to the countryside" and "sending government bonds to the countryside", which has made new changes in the situation of "waiting for the door" in rural finance.
Cooperation: Although we are separated, we are in the same boat.
Anyone familiar with postal services knows that the Postal Savings Bank has its special historical background. The postal savings bank model is also the crystallization of the supervision department's full consideration of the historical situation of postal savings development and the current legal system in China. As an important institutional innovation, the new management mode of "self-management+agency" is an important strategic deployment made by the party group of China Post Group under the guidance of Scientific Outlook on Development, starting from the objective reality of postal services and the long-term development of enterprises. In the past three years, this move has played an important role in consolidating the achievements of postal system reform, meeting the requirements of regulatory authorities, promoting the maximization of the overall interests of postal enterprises, better serving urban communities and rural areas, and serving farmers' special expectations and requirements.
Now, the postal and banking departments have strengthened cooperation, * * * made a business plan, * * * held a mobilization meeting, * * * implemented the incentive policy, and * * * promoted all the work in the normal state. Both sides can feel the rhythm of "progress, keep pace with you".
"The Xiongguan Road is really like iron, and now it is one step away from the beginning." Facing a complex but hopeful future, the Postal Savings Bank, which is in a critical period of development and transformation, will always keep in mind the requirements of the CPC Central Committee and continue to take Scientific Outlook on Development as the leader in all its work. No matter what the circumstances, we will unswervingly adhere to the purpose of serving agriculture, countryside and farmers, serving society and serving the people. With the strong support of the regulatory authorities, we will further emancipate our minds, change our concepts, forge ahead, accelerate the pace of comprehensive transformation to modern commercial banks, and constantly create a new situation for the reform and development of the Postal Savings Bank.