At the planned - economy system , the state - owned special bank puts , its load mainly in state - owned and collective enterprises whose independence of select credit object is weak . select credit object seems unimportant which does n ' t inspired the attention of the financial theorical circle either 在计划经济体制下，国有专业银行贷款集中投向公有制经济的国有企业和集体企业，国有专业银行在贷款对象选择上自主性不够，贷款对象选择问题并不显得重要，也未引起金融理论界的关注。
This paper is always adhering to interconnect the theories with the facts by chiefly study the literature with the enterprise practice . systematcially exploring the post - saving bank ' s marketing gambit innovation , the paper is working and practical in the period of the post - savings transform to a indeed bank 本文采用理论联系实际的方法，以文献研究为主，结合企业实践，对邮政储蓄银行的营销策略创新进行了系统的研究，在邮政储蓄向专业银行过渡时期具有一定的指导意义。
