格隆汇November 28th| Wanglian Securities research report pointed out that considering the overall development environment of the banking industry, combined with the characteristics of Postal Savings Bank of China (601658.SH). It is believed that the deposit cost advantage of Postal Savings Bank of China still has the potential to help stabilize performance, while the advantages in inclusive finance and continuous expansion can assist in the growth of new lending, with relatively excellent asset quality, and short-term fluctuations in retail crediting risks. Looking ahead, there is still a large space to explore in the retail trade business, as well as the potential adjustment of savings agency service fees. Combining with the development strategy of Postal Savings Bank of China, along with the empowerment of cni xiangmi lake fintech index, it is believed that the overall operation efficiency of Postal Savings Bank of China may steadily improve. In the long term, the deep exploration of Postal Savings Bank's large retail business on its existing huge customer base may drive the growth of middle income. Taking into account the company's business development and valuation factors, the company's "shareholding" rating is maintained.