Community financial services have diversity species, flexible form and are close to clients. Recently, China's private banks, city commercial banks and four state-owned firms had began business in this field, which clearly have effect on Postal Savings Bank, which positions itself as a retail bank. In this paper, it will discuss the mode of community financial service and problems should pay attention to for Postal Saving Bank, on the base of the summary of the past experience.%社区金融服务多样，形式灵活，贴近客户。近来，我国的民营银行、城商行、四大国有行都在该领域开展业务，这一变化显然对定位于零售业务的邮储银行产生了影响，文中在对我国目前社区服务归纳总结的基础上，探讨了邮储银行展开社区金融服务应注意的问题和模式选择。
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