Is the Postal Savings Bank a deposit or an insurance?

A good start for postal service is not deposit, but insurance. A good insurance product is wealth management insurance, usually annuity insurance, with high premium and complicated terms. In addition to selling through the counters and agents of insurance companies, insurance companies will also cooperate with banks to provide insurance channels for consumers.

Many people go to the Postal Savings Bank to save money, which must be distinguished from the products that have started well. Deposits have guaranteed capital and interest, and surrendering in the middle can only lead to losses.

1, China Postal Savings Bank can be traced back to the postal savings business started in 19 19, and it has a history of one hundred years. In March 2007, based on the reform of the original postal savings management system, China Postal Savings Bank Co., Ltd. was formally established. 20 12 1 month, the company was restructured into a joint stock limited company. 20 15 and 12, domestic and foreign strategic investors were introduced 10. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 12 was listed on the Shanghai Stock Exchange, successfully completing the three-step reform goal of "share reform-listing A and H".

2. Strategic positioning

Adhere to the orientation of serving agriculture, countryside and farmers, serving urban and rural residents and serving small and medium-sized enterprises, rely on the unique mode of "self-management+agency" and resource endowment, adhere to the retail banking strategy, and strive to be a inclusive finance.

3. Core competitiveness

Clear retail banking strategy, unique "self-management+agency" business model, unique personal finance, breakthrough development of corporate finance, inclusive finance with sustainable business, profound capital management business, accelerated information technology capability, and sound and effective comprehensive risk management.

4. Related events

On April 8th, 20021,the head office of China Postal Savings Bank 120 people went to Luxi Park in Fangshan, Beijing to carry out the voluntary tree planting activity of 202 1 "Inheriting Red Genes and Spreading Green Hope". Since 20 19, the Postal Savings Bank has actively participated in the voluntary tree planting activity of China Post Group Co., Ltd. for three consecutive years, calling on all employees to actively participate in the green economy and ecological environment protection to help the country's green development. By the end of 2020, the bank had carried out 583 offline tree planting activities, built 49 tree planting bases 149, participated in voluntary tree planting100500, and planted more than 46,000 trees146,000. On June 22nd, 20021year, employees of Xiangshan Sub-branch of Postal Savings Bank, under the leadership of Chang Lu, the lobby manager, collectively practiced the "Six Sign Languages". On July 5, 2002 1, according to the information disclosure form of administrative punishment of the Bank of China Insurance Regulatory Commission, China Postal Savings Bank Co., Ltd. has the following main illegal facts:1. Illegal collection of annual fees for unique accounts and small account management fees from some customers; 2. Handling SMS charging business in violation of regulations without the consent of customers; Third, there are defects and deficiencies in the development, debugging, maintenance and post-evaluation of information system related functions; 4. The contents of the materials submitted to the regulatory authorities are untrue; 5. Failing to submit materials during the supervision period; The intransitive verb fails to provide relevant business certificate according to the regulatory requirements. The China Banking Regulatory Commission decided to confiscate the illegal income of RMB1140160 yuan and impose a fine of RMB 4,376,774 and 250 yuan, totaling RMB 44907854 10/0 yuan.