With an announcement from Postal Savings Bank of China, a new AIC holding billions in capital—China Postal Investment—officially declares its entry into the market.
On March 20, 2026, Postal Savings Bank announced that its wholly-owned China Postal Financial Asset Investment Co., Ltd. (referred to as &#34;China Postal Investment&#34;) has officially received approval from the National Financial Regulatory Administration to commence operations, with a registered capital of up to 10 billion RMB, &#34;located&#34; in Beijing.
The entry of this 10 billion-level AIC (Financial Asset Investment Company) marks a crucial complement to the comprehensive financial service landscape of state-owned major banks.
<h2>Strategic Mission of the 10 Billion-Level AIC</h2>
According to the announcement from Postal Savings Bank, the approval for China Postal Financial Asset Investment Co., Ltd. to commence operations reveals a high strategic specification and clear business orientation.
China Postal Investment has a registered capital of up to 10 billion RMB, with its registered location in Beijing. The substantial &#34;real capital&#34; demonstrates Postal Savings Bank's absolute emphasis on this business segment and provides China Postal Investment with ample ammunition for large-scale market-oriented debt-to-equity swaps and equity investments in the future.
The announcement clearly states that China Postal Investment is an important measure for the bank to respond to national calls and serve the construction of a strong technological nation. As a significant layout in the bank's comprehensive service strategy, China Postal Investment serves as an important platform for Postal Savings Bank to implement the financial &#34;five major articles.&#34; This means that China Postal Investment is not merely a profit-seeking capital but an industrial promoter carrying a national strategic mission.
The announcement further mentions that China Postal Investment will focus on serving the main responsibilities and businesses of the real economy, conducting pilot projects for market-oriented debt-to-equity swaps and equity investments, supporting technological innovation and private enterprises, assisting in the development of new productive forces, enhancing the quality and efficiency of services to the real economy, and further promoting the bank's high-quality development.
For Postal Savings Bank, the opening of China Postal Investment completes a key piece of the puzzle in its &#34;comprehensive service strategy.&#34; Relying on Postal Savings Bank's extensive urban and rural network and vast retail and corporate customer base, China Postal Investment is expected to facilitate the &#34;investment-loan linkage,&#34; forming an ecological closed loop of &#34;promoting loans through investments and accompanying investments with loans.&#34;
<h2>Expansion of AIC Since 2025</h2>
The opening of China Postal Investment is not an isolated event but a reflection of the accelerated expansion and functional transformation of AICs in the Chinese banking industry since 2025. The banking industry's AICs are entering a second significant opportunity period in history.
Since 2025, the expansion of AIC licenses has become a hot topic in the banking industry.
Previously, the five major banks—Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and China Merchants Bank—had already established AICs. Now, with the grand debut of Postal Savings Bank's China Postal Investment, it announces the official gathering of the &#34;family portrait&#34; of the six major state-owned banks in the AIC field. Major banks' AICs have been collaborating with local government guidance funds to establish technology innovation investment funds, often with scales reaching billions.
&#34;Joint-stock banks&#34; are also accelerating their entry. Seeing the significant advantages of major banks in &#34;investment-loan linkage,&#34; since 2025, several leading joint-stock banks, including China Merchants Bank, CITIC Bank, and Industrial Bank, have intensively submitted applications to regulatory authorities to establish AICs, with some banks already in the preparatory sprint stage. The number and scale of bank-affiliated equity investment institutions are experiencing exponential growth
Since 2025, the expansion of AIC has been accompanied by a profound shift in investment logic. The past AIC primarily focused on resolving existing risks; now, the AIC has fully shifted towards &#34;incremental value creation.&#34; They bring low-cost, long-term funds from within the banking system, practicing the philosophy of &#34;invest early, invest small, invest long-term, invest in hard technology.&#34; Against the backdrop of a fundraising winter in the current primary market, bank-affiliated AICs act as a powerful &#34;fresh force,&#34; filling the gap in market funding.
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The wholly-owned China Postal Financial Asset Investment Co., Ltd. (China Postal Investment) established by PSBC has been approved to commence operations, with a registered capital of up to 10 billion RMB, located in Beijing. This move marks an important supplement to the comprehensive financial services sector by state-owned major banks. China Postal Investment will focus on market-oriented debt-to-equity swaps and equity investments, supporting technological innovation and private enterprises, aiding the development of the real economy, and promoting the high-quality development of PSBC

- Postal Savings Bank announced the establishment of China Post Investment, an AIC with a capital of 10 billion RMB, receiving approval to operate on March 20, 2026.  
- This company's formation is part of a broader strategy to support China's technological development and enhance the bank's integrated financial service capabilities.  
- China Post Investment aims to focus on serving the real economy through market-driven debt-to-equity swaps and equity investments, contributing to the bank's growth and the national economic agenda.

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Major move! PSBC's billion-level AIC has been approved to commence operations, and the banking sector's "patient capital" welcomes a super expansion