This article from the Shangqiu postal savings bank financial imbalance between supply and demand situation, discussed the cause of Postal Savings Bank of financial supply and demand reasons, is money supply continued to increase, lending capacity and low rural financial system not perfect and so on. Finally, the author combines the analysis of the article points out, the postal savings bank should not only innovation mechanism, products and services, but also improve the postal savings bank financial service level, the sense of competition.