Business philosophy of postal savings bank

China Postal Savings Bank was formally established on March 20th, 2007. It is a commercial bank established on the basis of the reform of postal savings management system. So what is the business philosophy of the Postal Savings Bank? Now please enjoy the business philosophy of the Postal Savings Bank that I brought.

Business philosophy of postal savings bank

1, enterprise spirit: dare to be the first and pursue Excellence.

2. Enterprise purpose: to serve the achievement value of Hunan.

3. corporate vision: Building a first-class modern retail commercial bank with distinctive features and outstanding advantages.

4. Core values: responsibility, innovation and dedication.

5. Relevant concepts under the guidance of the core values of Hunan Branch of China Postal Savings Bank: business philosophy: creating customer wealth, creating employees' future and creating enterprise value management philosophy: scientific decision-making and accurate implementation.

Service concept: everything creates wealth for customers.

Risk concept: prohibit banks, comply with regulations and increase efficiency.

Talent view: position depends on ability, hero depends on performance.

Safety concept: safety is benefit, and safety is happiness.

Salary concept: pay is rewarded, and hard work is proud.

6. Motto: Progress keeps pace with you. 20 16 service concept of postal savings bank.

Postal savings bank business

corporate business

Deposit: Corporate customers provide corporate deposit services such as corporate demand deposit, corporate time deposit, corporate agreement deposit and corporate call deposit. The customer's deposit funds are safe and worry-free.

Demand deposit: enterprises, institutions, government agencies, military units, social organizations and other economic entities open unit settlement accounts in our bank to handle irregular deposits that can be accessed at any time. There is no fixed term, which is convenient for customers to access, and access is mainly handled by cash or transfer.

Time deposit: unit time deposit refers to the deposit in which enterprises, institutions, social organizations and other units agree on the term and interest rate in advance with the bank when depositing, and withdraw the principal and interest at maturity. Interest shall be calculated and paid according to the time deposit rate announced by the People's Bank of China. In case of interest rate adjustment, interest will not be calculated by stages. The term of unit time deposit is divided into six grades: three months, six months, one year, two years, three years and five years.

Company agreement deposit: a deposit in which the customer signs a company agreement deposit contract with the bank, stipulates the term and agrees to keep the basic deposit amount in the settlement account, and the deposit exceeding this amount in the account bears interest at the agreed deposit rate agreed by both parties.

Settlement: provide diversified enterprise settlement services such as bills, remittances, entrusted collections, etc. for enterprises and institutions to ensure that enterprises can realize convenient and fast monetary payment and fund settlement in their daily economic activities. The service scope includes: providing comprehensive settlement services such as remittance settlement, wire transfer settlement, collection and payment on behalf of enterprises and institutions, and providing personalized fund collection for network enterprises.

credit card

Thank you very much for using China Postal Savings Bank credit card! From the moment you browse the web, you have become our valued customer. Here, you will enjoy all kinds of reliable and convenient functions and exclusive services of 36,000 bank outlets all over the country. May our professional skills bring you more wonderful life enjoyment!

China Postal Savings Credit Card Gold Card is a standard credit card product specially developed for middle and high-end people. In addition, there are services such as revolving credit, installment consumption, cash advance and password selection. The product also has many special services, such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. Is it truly in line with international standards and allows cardholders to enjoy credit cards at home and abroad? Credit card to spend first and then repay? Convenient and affordable, anytime, anywhere, worry-free card.

The self-mailing credit card is a UnionPay standard RMB gold card, which is owned by China Postal Savings Bank (hereinafter referred to as the Bank) and Guangdong Postal Company? Self-mailing family? Brand joint release. In addition to the original functions and services of our gold card, this product also adds a series of self-service mailing services, including but not limited to vehicle violation information inquiry, handling local traffic police tickets, paying travel tax/annual ticket, handling annual renewal of driver's license and purchasing vehicle insurance. It is a credit card launched by our bank to provide all-round car butler service for the majority of car owners.

China-Damei Tibet Tourist Card as a souvenir? 60th anniversary of Tibet's peaceful liberation? , specially launched by our bank? China-Damei Tibet Travel Card? This product is a UnionPay standard RMB personal credit card, and the product grade is gold card. On the basis of the original functions and services of the gold card, the rich local tourism resources are superimposed, so that cardholders can enjoy the quality and caring service of the Tibet Tourism Card while traveling in the beautiful world.

China Hainan International Tourism Island Card is a high-quality payment tool tailored for you who like tropical island customs. Set credit card payment, discounts, consumer guide and other multiple functions in one, from food, housing, transportation, shopping, entertainment everything. While spending happily and paying easily, you can also enjoy the preferential discounts and surprises brought by our bank. Beautiful natural scenery and pleasant punching experience are all in Hainan International Tourism Island.

Personal business

Deposit business:

Provide personal customers with demand deposits, all-in-one deposits, personal certificates of deposit, personal notice deposits, time deposits and fixed deposits, so that customers' deposit funds are safe and worry-free.

Personal settlement services: provide telephone banking remittance, appointment transfer, remote settlement, domestic remittance, e-commerce, online payment and ATM/POS services.

Bank card: green card, green cartoon, green card VIP gold card, Taobao green card, Tencent QQ co-branded card, green card zodiac card (print? Green card debit card? Words), green card, foreign exchange card, regional co-branded card, etc.

Custody business

Custody qualification: China Postal Savings Bank obtained the qualification of securities investment fund custody in July 2009, becoming the first 16 custodian bank in China with the qualification of securities investment fund custody. It can trust assets such as securities investment funds, bank wealth management products, trust products, special account wealth management products and brokerage wealth management, and provide customers with security guarantees such as account opening, property custody, fund settlement, accounting, investment supervision, information disclosure and custody reports.

Custody team: The Head Office has an independent custody business department and a professional and young custody business team, all with bachelor degree or above and accounting background.

Custody products: China Postal Savings Bank has obtained the qualification of securities investment fund custody, and can manage securities investment funds, asset management plans for specific customers of fund management companies, bank wealth management products, trust products and collective asset management plans of securities companies.

As a new custody bank, China Postal Savings Bank will continue to devote itself to the innovative development of custody business from products such as open-end fund custody and one-to-many special accounts, and provide investors and partners with safe, reliable, high-quality and meticulous asset custody services.

The Significance of the Establishment of Postal Savings Bank

The establishment of China Postal Savings Bank is another major stage achievement of China's postal system reform and another important new achievement of financial system reform under the guidance of the national financial supervision department. The establishment of China Postal Savings Bank will further promote the development of China's banking industry and improve the banking system, accelerate the construction of a new socialist countryside and support the development of China's national economy and social undertakings. After the establishment of China Postal Savings Bank, according to the corporate governance structure and the management requirements of commercial banks, it will continue to rely on the postal network, enrich business varieties, broaden marketing channels, improve service functions, and further devote itself to building a financial service network connecting urban and rural areas and covering the whole country; Committed to building a modern bank with sufficient capital, strict internal control, safe operation and strong competitiveness, and making new contributions to building a harmonious socialist society.