1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.
2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.
3. Commercial loans: personal commercial loans and personal commercial loans.
4. Special loans: personal pledge loans, personal loan online loans and personal loan card loans.
Domestic business of Industrial and Commercial Bank of China
In China and 28 countries and regions around the world, in 2008, China Industrial and Commercial Bank had 385,609 employees, an increase of 7,565,438+02 over the previous year, providing a wide range of high-quality financial products and services to 65.438+0.9 billion individual customers and 36.5438+0 million corporate customers. There are nearly 65,438+7,000 domestic and foreign institutions, covering most large and medium-sized cities in China and major international financial centers, providing quality services directly to customers; The leading e-banking platform in China has four channels at your fingertips: online, telephone, mobile phone and self-service banking, providing six services: fund management, payment, marketing service, financial management, agency sales and e-commerce; VIP financial center, telephone banking, exclusive channels for online banking and professional financial planners provide unique services for VIP customers. ICBC has also established correspondent bank relations with more than 65,438+0,400 domestic banks and 65,438+022 countries and regions, and its global service network has been further improved.
China Industrial and Commercial Bank regards the first year after listing as the "year of quality service", systematically improves and upgrades its services in terms of business processes, distribution channels, service models and product types, and continues to move towards the goal of building a financial enterprise with the best service in China.
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.
The number of bank cards issued exceeded 238 million and the consumption was nearly 800 billion yuan, of which the number of credit cards issued exceeded 39 million and the consumption exceeded 250 billion yuan, further expanding the market leading edge; The income of investment banks increased by 78.2%, and 52 bonds were underwritten in the whole year, with an underwriting amount of 654.38+0646 billion yuan, making it the largest bond underwriting bank in China for the second consecutive year; The income of custody business increased by 465,438+0%, and the scale of custody assets ranked first in China for 65,438+065,438+0 years, maintaining a leading position in the custody fields such as funds, annuities and insurance; The domestic market share of enterprise annuity business is close to 50%, and it is the largest enterprise annuity service institution in China. The wealth management business continued to grow strongly. In the whole year, 265,438+06 wealth management products were launched, of which the sales of self-developed wealth management products were about 265,438+09.76 billion yuan, up 765,438+05% year-on-year.