PSBC provides basic financial services, especially to small and medium enterprises, rural[1] and low income customers.

During the 2007–2008 financial crisis, the government took several measures to spread its national economic stimulus plan specifically to rural areas.

This included using microfinance services provided by the Postal Savings Bank as a tool for national development and poverty reduction.

[5] The bank leverages its postal network, ensuring stable operations, compliance, and good risk control to provide quality financial services, maximize shareholder value, and contribute to socio-economic development.

[8][9][10] On 10 January 2017, Postal Savings Bank of China held a press conference in Beijing to announce the launch of a blockchain-based asset custody system.