Asset business refers to the use of funds by commercial banks, that is, commercial banks lend or invest the absorbed funds to earn income.
The profitability of commercial banks depends largely on the results of the use of funds. The asset business of commercial banks generally consists of the following components, of which loans and investments are the most important.
1. In the bank, the payment for goods sold at the counters of the shopping mall with centralized cash register is first deposited in the account of the shopping mall, and the payment is returned to the counters regularly. After the shopping mall signs an agreement with the bank, the shopping mall can provide a refund list, and the bank will transfer the money according to the list.
2. Other fields may refer to the cashback of various agency businesses, such as insurance. Or the cashback of other individuals or units.
3. Besides the agency business, there are investment business, loan business and so on.
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China Industrial and Commercial Bank (full name: China Industrial and Commercial Bank Co., Ltd.) was established in 1984. It is the first of the five largest banks in China and one of the top 500 enterprises in the world. It has the largest customer base in China and is the largest commercial bank in China.
China Industrial and Commercial Bank, through more than 2 1000 domestic institutions, 100 overseas branches and thousands of correspondent banks all over the world, has advanced information technology and electronic networks.
Provide all-round financial services in local and foreign currencies including wholesale, retail, e-banking and international business to more than 8 million corporate customers and 1 100 million individual customers.
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 construction of service system 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.
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