Is it credible for ICBC to reserve SMS?

Don't believe this statement, beware of being cheated.

ICBC's credit card reserve is essentially a small loan, and banks have different names for small loans.

ICBC's credit card reserve fund is to provide cardholders with a small amount of consumer reserve fund by way of active invitation to meet the consumption needs of the main cardholders, and the cardholders can repay the principal and certain handling fees in installments.

Extended data:

Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/.

The head office is located at No.55 Fuxingmennei Street in Beijing, which is a large state-owned bank managed by the central government.

China Industrial and Commercial Bank has the largest customer base in China, and is one of the largest commercial banks in China and one of the top 500 enterprises in the world. Provide diversified and professional financial services for corporate customers and individual customers. Wide range, large business volume and rich business varieties. At the end of 2003, the balance of personal consumption loans reached 407.5 billion yuan, and the market share of personal housing loans ranked first in the country.

95.95 million peony cards were issued, and the consumption was about 97.3 billion yuan. In 2003, the accumulated bill transaction was 654.38+0.677 1 100 million yuan. The market share of RMB settlement reached 45%, and the market share of securities and futures remained above 50%.

China Industrial and Commercial Bank is also the largest asset custody bank in China, with 28 custody funds and total assets of 58 1 100 million yuan.

China Industrial and Commercial Bank has the most advanced technology level in China. On the basis of data centralization project, ICBC successfully put into production the All-functional Bank (NOVA) system in 2003. Together with the data warehouse which provides the technical basis for personalized service, * * * constitutes an international advanced financial information technology platform, which provides a strong impetus for the progress of business and management.

With the strong support of scientific and technological means, various businesses of China Industrial and Commercial Bank are constantly innovating.

The three-dimensional service system of electronic banking, which consists of self-service banking, telephone banking, mobile banking and online banking, is becoming more and more mature. More than 400 cities have opened online banking. In 2003, the transaction volume of electronic banking reached 22.3 trillion yuan, and the transaction volume of online banking was 19.4 trillion yuan.

China Industrial and Commercial Bank implements a unified management system for commercial banks authorized by legal persons. The head office of China Industrial and Commercial Bank is the operation and management center, capital dispatching center and leadership and command center of the whole bank. Possess the corporate property rights of the whole bank and be responsible for the efficiency, safety and liquidity of the whole bank's operation. On the basis of authorization and credit management, the branch management mode of "one-level management and two-level monitoring" is implemented to achieve the purpose of steady operation, risk prevention and economic benefit improvement.

ICBC has realized the diversification and innovative development of intermediary business. In 2008, ICBC's net fee and commission income reached 44 billion yuan, a year-on-year increase of 65,438+04.7%. Emerging businesses such as bank card, investment banking, asset custody, enterprise annuity, cash management and wealth management have developed rapidly and healthily, and all indicators rank first among domestic peers.