邮政储蓄银行PSBC品牌怎么样 申请店铺

根据国务院金融体制改革的总体安排，在改革原有邮政储蓄管理体制基础上，2007年3月中国邮政储蓄银行有限责任公司正式成立。2012年1月21日，经国务院同意并经中国银行业监督管理委员会批准，中国邮政储蓄银行有限责任公司依法整体变更为中国邮政储蓄银行股份有限公司。

年轻的邮储银行已有近百年的历史。1919年，中国邮政储蓄银行的前身邮政储金局成立，开办邮政储金业务。1942年，储金汇业局成为当时六大金融支柱“四行两局”的重要组成部分。在建国初期，1953年邮政储蓄业务停办，邮政继续办理汇兑业务。1986年，邮政储蓄正式恢复开办。
在各级政府、金融监管部门以及社会各界的关心和支持下，中国邮政储蓄银行坚持普惠金融理念，自觉承担“普之城乡，惠之于民”的社会责任，走出了一条服务“三农”、服务中小企业、服务社区的特色发展之路。

目前，中国邮政储蓄银行已成为全国网点规模最大、覆盖面最广、服务客户数量最多的商业银行。截至2015年6月末，邮储银行拥有营业网点超过4万个，打造了包括网上银行、手机银行、电话银行、电视银行、微博银行、微信银行和易信银行在内的电子金融服务网络，服务触角遍及广袤城乡，服务客户近4.9亿人；累计发放小微企业贷款超过2.3万亿元，帮助约1200万户小微企业解决了融资难题；资产总额超过6.5万亿元，资本回报率、利润增长率、不良贷款率、拨备覆盖率和经济利润率等关键指标达到银行同业优秀或良好水平；评级机构对邮储银行的主体信用评级和债券信用评级均为“AAA”。在英国《银行家》杂志“2015年全球银行1000强排名”评选中，邮储银行按总资产位居第23位、按一级资本位居第54位。

中国邮政储蓄银行将继续依托网络优势，按照公司治理架构和商业银行管理要求，不断丰富业务品种，不断完善服务渠道，不断提升服务能力，为广大客户提供更全面、更便捷的金融服务，打造成为一家资本充足、内控严密、营运安全、品牌卓越、竞争力强的大型零售商业银行。

According to the overall arrangement of the financial system reform of the State Council, on the basis of the reform of the original postal savings management system, China Post Savings Bank Co., Ltd. was officially established in March 2007. On January 21, 2012, with the consent of the State Council and the approval of China Banking Regulatory Commission, China Post Savings Bank Co., Ltd. was changed into China Post Savings Bank Co., Ltd. as a whole according to law. The young postal savings bank has a history of nearly one hundred years. In 1919, the postal savings office, the predecessor of the postal savings bank of China, was established to start postal savings business. In 1942, the savings and Remittance Bureau became an important part of the "four banks and two bureaus" of the six financial pillars at that time. In the early days of the people's Republic of China, the postal savings business was suspended in 1953, and the postal service continued to handle the remittance business. In 1986, postal savings officially resumed operation. With the concern and support of governments at all levels, financial supervision departments and all sectors of the society, China Post Savings Bank adheres to the concept of Inclusive Finance, consciously undertakes the social responsibility of "universal urban and rural areas, benefiting the people", and embarks on a characteristic development path of serving "agriculture, rural areas, small and medium-sized enterprises, and communities. At present, postal savings bank of China has become the commercial bank with the largest network, the widest coverage and the largest number of customers. By the end of June 2015, the postal savings bank had more than 40000 business outlets, and built an e-financial service network including online banking, mobile banking, telephone banking, TV banking, microblogging banking, wechat banking and e-mail banking. The service tentacles were all over the vast urban and rural areas, serving nearly 490 million customers. The total loan granted to small and micro enterprises exceeded 2.3 trillion yuan, helping about 12 million people Small and micro businesses have solved the financing problem; the total assets are over 6.5 trillion yuan, and the key indicators such as return on capital, profit growth rate, non-performing loan rate, provision coverage rate and economic profit rate have reached the excellent or good level of the same industry; the rating agencies have "AAA" credit rating for the main credit and bond credit of the postal savings bank. Postal savings bank ranked 23rd in terms of total assets and 54th in terms of tier one capital in the "Top 1000 global banks in 2015" selection of British banker magazine. China Post Savings Bank will continue to rely on its network advantages, in accordance with the corporate governance framework and the management requirements of commercial banks, constantly enrich its business varieties, constantly improve its service channels, and constantly improve its service capabilities, so as to provide more comprehensive and convenient financial services for customers, and build itself into a large-scale enterprise with sufficient capital, strict internal control, safe operation, excellent brand and strong competitiveness Retail commercial banks.

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