What are the basic businesses of China Industrial and Commercial Bank?

China Industrial and Commercial Bank has six basic businesses: bank card business, electronic banking, telephone banking, corporate finance, personal finance and financial derivatives.

I. Bank card business

ICBC is the largest credit card issuer in China and one of the most complete credit card issuers. New products such as euro credit card, peony express business card, peony unionpay card, peony sports card and new peony transportation card have been launched one after another; Promote the service system construction of business outlets, VIP customer service centers and other channels; Actively choose overseas institutions to issue cards as agents, and further strengthen cooperation with international card organizations.

At the end of 2007, the number of credit cards issued was 23.38 million, and the consumption amount reached1.61.90 billion yuan, which continued to maintain the market position of paying equal attention to both card issuance and consumption. The credit card overdraft balance was 82,465.438 billion yuan, an increase of 59.5%.

By the end of 2009, the number of credit cards issued by ICBC had exceeded 52 million, an increase of nearly130,000 a year, with an increase of 33%. Not only did it rank first among credit card issuing banks in China, but it also surpassed three world-class credit card giants such as Discovery Card, American Express and First Capital in a year, achieving a perfect "triple jump" and becoming the fourth largest credit card in the world after JPMorgan Chase, Bank of America and Citigroup. Establish a personal financial service model based on debit card; Strengthen the integration of marketing channels with the advantages of multi-account and multi-function of Peony Link Card; Give play to the role of Peony Link Card in payment and settlement, and divert the pressure on the counter. At the end of 2007, the number of debit cards issued was 654.38+87 million, an increase of 8.58 million, and the annual consumption was 454.3 billion yuan, an increase of 765.438+0.4%.

ICBC actively promotes the popularization and application of chip cards. By the end of May 20 12, the circulation of various chip cards of ICBC had exceeded 5.5 million, ranking first among domestic peers. Among them, the number of chip credit cards issued reached 5.38 million, an increase of1110,000 compared with the beginning of the year, with an increase of 26%. The number of chip debit cards such as chip cards for wealth management accounts is close to130,000. At the same time, ICBC has also made great efforts to improve the acceptance environment of chip cards. More than 90% of ICBC's self-service machines can accept chip cards, which has laid a solid foundation for the further popularization of chip cards.

Second, electronic banking.

E-banking business continues to maintain a leading position in the market in terms of channels, products, customers and market brands. By the end of 2007, 4,065,438+03 outlets had established e-banking service areas; The number of e-banking customers is 80.96 million; The transaction volume has advanced by leaps and bounds, reaching 102.88 trillion, an increase of127.5%; Business transactions accounted for 37.2% of the bank's business transactions, and the role of diverting counter business was further enhanced.

In 2007, the online banking transaction volume of enterprises was 85.74 trillion yuan, and that of individuals was 4.10.5 trillion yuan, increasing by 133.8% and 205. 1% respectively. Personal and corporate online banking customers reached 39.08 million and 980,000 respectively. For five consecutive years, he was selected as "Best Personal Online Banking in China" by Global Finance magazine, and won the honors of "Best Online Banking for Deposit Services in Asia" and "Best Online Banking for Deposit Services in the World" for the first time. He Xun won the first place with absolute advantage in the second "online banking evaluation"; In 2007, it was awarded the "Best Online Banking in China" by China Financial Certification Center (CFCA).

Telephone banking products and functions are constantly enriched, and the degree of intensification is further improved. In 2007, the total number of telephone bank calls was 250 million, and the number of manual calls was 285 1 10,000. In the selection of the best call center in China, he was awarded the "Best National Call Center Management Team" and "Best Call Center Manager"; Won the "China Call Center Special Contribution Award" in the 4th Asia-Pacific Best Call Center Awards.

Investment in self-service equipment continues to increase, and the self-service banking network expands rapidly. By the end of 2007, there were 4,890 self-service banking centers and 23,420 ATMs, and the annual transaction volume of ATMs was 1.0696 billion yuan, up by 7 1.0% year-on-year.

Third, telephone banking.

In 1990s, ICBC took the lead in launching a unified telephone banking service in China, and successfully established a good service image of ICBC's telephone banking. China Industrial and Commercial Bank's 95588 customer service hotline [32] serves the vast number of companies and private customers. Whenever and wherever, citizens can easily enjoy a series of convenient, fast, 24-hour, 365-day, all-weather financial services provided by banks as long as they call the phones around them.

Answer the business outlets and business hours first.

Second, answer the related business of telephone banking and online banking.

Third, answer the credit card business consultation.

Fourth, answer the decision-making consultation.

ICBC telephone banking is not only multifunctional and powerful, but also has distinctive characteristics of the times and superior scientific and technological advantages.

1. Easy to use and operate: ICBC Telephone Banking organically combines automatic voice service with manual answering service, and you can enjoy the perfect unity of self-service voice service and warm manual service just by pressing the phone button.

2. Simple procedures and powerful functions: ICBC telephone banking is convenient to apply for. You only need to bring your valid certificate and ICBC passbook or bank card to the outlet to apply for opening an account, and you can enjoy the convenience of account management and the efficient service of investment and financial management.

3. Low cost, safety and reliability: ICBC telephone banking can handle most counter and online business, saving time and reducing costs. At the same time, ICBC adopts the most advanced computer telephone integration, so that you can use it with peace of mind.

4. Unified number, roaming all over the country: the service number of ICBC telephone banking in mainland provinces and cities is 95588, and in Hong Kong it is 2 1895588. If you choose to roam in different places, you can roam back to the telephone bank in your own living area, so you don't have to bear the long-distance telephone charges.

(1) Counter registration: You only need to bring your valid ID card and local ICBC bank card to the outlet, and fill out the Application Form for Individual Customer Registration of Electronic Banking of China Industrial and Commercial Bank to open telephone banking.

(2) Telephone self-registration: As long as you have ICBC bank card and current passbook, you can apply for registration of telephone banking through 95588 voice prompt or manual service.

Fourth, enterprise financing.

ICBC is the largest corporate bank in China, with 465,438+0 corporate customers by the end of 1965.

Corporate Business of Industrial and Commercial Bank of China

Adhere to the steady development of credit and maintain the status of the first credit bank in China. Continue to strengthen credit supply to key industries and regions, actively promote the construction of "green credit" and enrich financing products. At the end of 2007, the loan balance of domestic companies was 29149.93 million yuan, an increase of15.2%; The balance of deposits of domestic companies was 3,402.683 billion yuan, up by 20. 1%. [35]

Strengthen the innovation of financing products, improve the linkage marketing mechanism of financial products and provide comprehensive financial services for small and medium-sized enterprises. By the end of 2007, the financing balance of small enterprises in China was 44,963, an increase of 23.3% over the beginning of the year. There are 28 domestic cooperative insurance companies, 98 third-party depository brokers and 73 domestic agents. The scale of bank insurance agency business continued to lead the market, and the business of banks, securities, peers and financial cooperation institutions developed in an all-round way.

Verb (abbreviation of verb) personal finance

Adhering to market orientation and customer-centeredness, ICBC accelerated business innovation and improved customer service, striving to become the "first retail bank" in China and won the award of "Best State-owned Retail Bank in China" by Asian Banker magazine.

Adhere to the focus on maintaining and developing high-quality customers, accelerate the innovation of savings products and tools, and promote the coordinated development of savings deposits and various wealth management businesses. At the end of 2007, the balance of domestic savings deposits was 3,244.074 billion yuan.

Vigorously develop personal loan business with personal housing, personal consumption and personal business loans as the main body, and enhance the market value of the "Happiness Loan" brand. At the end of 2007, the balance of personal loans in China was RMB 75,265,438+RMB 65,438+RMB 03 million, ranking first in the personal loan market.

Promote the sales of personal wealth management products to record highs. A variety of products, such as subscription of new shares, fund optimization, overseas financial management on behalf of customers, have been launched one after another to meet the different needs of individual investors. In 2007, * * * launched 35 RMB wealth management products and 24 foreign currency wealth management products, with accumulated sales of 6543.8 yuan+54.4 billion yuan, which continued to be the first in the industry; The agency sales of various wealth management products reached 964.3 billion yuan, up 200.7% year-on-year. Many indicators such as fund consignment, fund stock, number of customers, market share of insurance products of consignment banks, and sales of government bonds rank first in the industry. Domestic sales of various personal wealth management products 1 1 187 billion yuan, up 182.4% year-on-year.

As the exclusive brand of ICBC to locate high-end individual customers, the service of "wealth management account" [36] has been continuously upgraded. The number of customers has reached 3.02 million. By the end of 2007, there were 1, 1 12 VIP financial centers, and 95588 telephone banking, online banking and other electronic channels opened exclusive channels to provide exclusive services; Carry out the theme marketing activities of "Fortune Post" and provide value-added services; The number of financial planners (AFP) and international financial planners (CFP) reached 5083 and 86 1 person, respectively, accounting for 27.2% and 38. 1% of their peers, ranking first among domestic peers.

Financial derivatives of intransitive verbs

China Industrial and Commercial Bank regards the development of treasury business as the strategic focus to promote business transformation and cultivate future market competitiveness, and constantly improves the ability and level of operating domestic and foreign currency funds in various financial markets at home and abroad.

In 2007, the total RMB import and export of domestic institutions reached 6,096.7 billion yuan, up by 27.6%, including RMB 41654.38+03.3 billion yuan and RMB1983.4 billion yuan. In 200 1 year, the transaction volume of foreign currency money market was 868.2 billion US dollars, an increase of 43.5%.

As a market maker in the inter-bank market, the types of bonds quoted bilaterally include all bonds with five maturities and three credit ratings, with daily quoted bonds12; There are 33 quoted bonds in the over-the-counter market. In 2007, the transaction volume of counter book-entry bonds was 654.38+0.53 billion yuan, and the market share continued to be the first. The trading volume of RMB-traded bonds exceeded 2 trillion yuan for the first time. The total transaction volume of foreign currency bonds in the whole year was $51.200 million.

Investing in RMB bonds focuses on preventing interest rate risks and mainly participates in investing in short-term RMB bonds. At the end of 2007, the balance of RMB bank account bond investment was 2,858.554 billion yuan. In the face of the violent turmoil in the US bond market caused by the subprime mortgage crisis, we actively adjusted the foreign currency bond portfolio to promote a substantial increase in investment income.

ICBC provides customers with RMB foreign exchange trading products and services such as spot settlement and sale of foreign exchange, forward settlement and sale of foreign exchange, RMB foreign exchange swap, 24-hour foreign exchange trading, foreign exchange forward, swaps, options and other financial derivatives trading, and provides various local and foreign currency financial management and asset-liability management services on behalf of customers, providing account gold trading services for individual customers. In 2007, the transaction volume of foreign exchange funds of customers was $275.88+0 billion.