What does ICBC mean by SMS staging?

It is the installment business of applying for credit card transactions by sending short messages.

China Industrial and Commercial Bank (hereinafter referred to as ICBC) was established in June 1984 65438+ 10/. As the largest commercial bank in China, China Industrial and Commercial Bank has stepped into the track of coordinated development of quality, efficiency and scale after 29 years of reform and development.

At the end of 2003, the total assets were about 527,965,438+billion yuan, accounting for nearly one-fifth of the total assets of banking financial institutions in China. By the end of 20 10, ICBC's total assets were about134,586.22 billion yuan, and its current total market value was about143,447 billion yuan, ranking first among listed banks in the world. [ 1]

By the end of 201/kloc-0, ICBC had 397,339 employees, distributed to 4/kloc-0 through 16, 227 domestic institutions, 203 overseas institutions, 1562 correspondent banks, online banking, telephone banking and self-service banking.

At the end of 20 10, the total bank card assets of ICBC reached134,586.22 billion yuan, an increase of16,735.69 billion yuan or 4.2% over the end of last year; Total liabilities reached126,369.65 billion yuan, an increase of153,084.6 billion yuan or 3.8% over the end of last year; The total market value reached $233.5 billion, ranking first among listed banks in the world.

In 20 10, the net profit was1660.25 billion yuan, an increase of 28.4% over the previous year, and the growth rate accelerated by 12.0 percentage points year-on-year, making it still the most profitable bank in the world. The average return on total assets and the weighted average return on net assets are 1.32% and 22.79%, respectively, which are at the leading level in the global banking industry. Earnings per share was 0.48 yuan, an increase of 0. 10 yuan over the previous year; The balance of non-performing loans and the non-performing loan ratio decreased by 1 1 year, and the non-performing loan ratio decreased to 1.08%.

Thanks to the optimization of business structure, the completion of refinancing and the appropriate expansion of profit retention rate, the capital adequacy ratio and core capital adequacy ratio reached 12.27% and 9.97% respectively, and the capital strength and sustainable development ability were further enhanced.

The headquarters building of China Industrial and Commercial Bank was designed by SOM Design Company of the United States. High 13 floor, with a construction area of nearly130,000 square meters. It is divided into rectangular area and arc area, and the middle is connected into a whole in the form of overpass. The building is an integral steel structure project with high technical requirements and complex technology. Its structural form is friction type high strength bolt connection, and the bottom insert column is box section. The maximum thickness of full penetration welding is100 mm; ; The total steel consumption is 8,000 tons, and the construction details are designed in depth by China Railway Wuqiao Heavy Industry Co., Ltd. (formerly Wuhan Bridge Machinery Factory) to complete the factory manufacturing tasks of all steel structures. The project was manufactured, installed and accepted according to the Code for Acceptance of Steel Structure Engineering Construction (GB50205-95), and passed the inspection, which won unanimous praise from the owner and supervisor, and established an image and won a reputation for China Railway Wuqiao Heavy Industry in the capital. The whole project was awarded the Luban Award by the state.