Promote financial product innovation boost the development of small and micro enterprises

Postal Savings Bank for the characteristics of the financing needs of small and micro enterprises, launched a micro-credit, personal business loans, small business loans three products, design limit cycle expended the loans usage patterns and flexible repayment methods, to help maximize small and micro enterprises to save on interest expenses, reduce financing costs, and effectively meet its funding needs "short, small, frequent, anxious characteristics. In 2010, the Postal Savings Bank cooperation with the German Agency for Technical Cooperation (GTZ), micro-credit and retail banking project "won" GTZ international cooperation projects Highest Achievement Award.

In order to enhance the quality of financial services, postal savings banks first around the regional economic characteristics, combined through one line, one product "project development with local characteristics of credit products, and thus by the" point "formula" chain "type development, launched the" row, one in the works, to strengthen the business model development, the development of the service small micro-enterprise credit products around the core industrial chain, and at the same time introduced a guarantee,power inverter  UNPROFOR, real estate mortgages, more than ten kinds of equipment charges, the right to operate mortgage, chattel mortgage, pledge of warehouse receipts way of security, greatly enriching the product line of small micro-enterprise loans, and to enhance the ability of financial services to small and micro enterprises.

New model for exploring help small and micro enterprises, since 2010, the postal savings bank for three consecutive years held wealth creation contest, added an important channel to solve the financing problem for the majority of small and micro enterprises, and stimulate the enthusiasm of the broad masses of the people to create wealth led to the whole society to create wealth boom. Postal Savings Bank in 2011 to create wealth contest, attracted more than 10 million people consulting registration. Postal savings bank organized in 2011 to create wealth contest during a total of approximately 1.46 million small and medium-sized and micro enterprises to provide loans of 165.2 billion yuan. Currently, the Postal Savings Bank in 2012 to create wealth contest activities are proceeding in an orderly manner.

As of the end of September 2012, the Postal Savings Bank offered small loans and personal business loans institutions has covered all the country's secondary branches and more than 2000 cities and counties sub-branches; 334 small enterprise credit center, covering about 98% of the country prefecture-level cities, specializing in small business credit business marketing, receiving, investigating, and post-loan check the day-to-day operation and management of work; issued over 10 million pen small micro-enterprise loans, amounting to more than 1 trillion yuan, effectively alleviate the country more than 600 million household small and micro enterprises the main production and operation funds shortage problem.

Strengthen the "three rural financial services to improve the financial environment in rural areas

Since the conversion, the postal savings bank to respond positively to the call of the Party Central Committee and the State Council, attaches great importance to the "three rural financial services,grid tie inverter and in-depth research service" three rural "an effective way, and constantly optimize the financial environment in rural areas to provide basic financial services for the majority of urban and rural residents provide strong financial support for the services of the rural economy, and strong support for the construction of a new socialist countryside.

Postal Savings Bank has a network of 38,000 outlets, and more than 70% of the distribution in the region of and below the county, has a natural advantage of the service "three rural". Postal Savings Bank make full use of its own outlets throughout urban and rural areas of the network advantage, for the majority of rural areas to provide basic financial services such as savings, exchange; insurance agency, the collection of rural electricity bills, phone bills and cable TV fees, service; handle the generation of fat food subsidies gold, returning farmland to forest models and family planning incentives and other financial services closely related to people's livelihood.

The same time, the Postal Savings Bank attaches great importance to the new agricultural insurance, bank card services to help farmers withdrawals, through cooperation with the social security sector, in 497 cities and counties of 25 provinces (autonomous regions and municipalities) to participate in a "new agricultural insurance work in the financial services, serving about 1/3 of the national "new agricultural insurance pilot counties; cooperation with the locals line set up to help farmers bank card withdrawal service points over 60,000 more than 2.2 million records, the cumulative number of transactions, the transaction amount more than 500 million yuan.

In addition, the Postal Savings Bank also actively through the loan service "three rural" active and innovative credit products, offered the facilities of agricultural loans, Forest Right Mortgage Loan, the re-employment of small secured loans, farmers loan, sugarcane farmers to loans, "FAO treasure farmers straight complement funds secured loan service "three rural" loan product system, the funds directly financed rural areas. As of the end of October 2012, the Postal Savings Bank accumulated small loans to the rural areas and below the county pen 7,600,000, amounting to more than 430 billion yuan, the total line of small loans accumulated more than 70% of the amount issued, for a large number of farmers to get rich resolve the funding problems,solar panel and effectively promote the county's economic development and socialist new rural construction.