In this study，we analyze the development status of Postal Savings Bank of China Henan Branch，based on this analysis；we analyze the new challenges and new requirements faced by Postal Savings Bank of China Henan Branch. Then，we give some countermeasures and suggestions，these suggestions include service concept，product innovation，top-level design，regulatory policy，credit environment and so on，and these suggestions are proposed to promote inclusive financial development level of Postal Savings Bank of China Henan Branch.