工商银行改革创新为发展注入新动力

Commercial bank reform and innovation for the development of the new injection

Icbc will adhere to the reform and innovation as enhance competition ability to develop strategic measures, 2012 continue to all-round propulsion system innovation, business innovation, science and technology innovation and product innovation, speed up the transformation development way, business vitality and development in the future, to enhance the competitive core product to rapidly increase, science and technology advantages more apparent, constructing the modern, comprehensive and international service system and development pattern.

In the field of business innovation, and last year the line of the intermediate business in the standard on the basis of steady development, especially the low requirements for capital, high added value, customer demand big financial assets service as the key strategic transition, income contribution increases. The restructuring mergers and acquisitions, equity financing, high-end financial advisers and other investment banking business has been rapid development, the previous income increased 1.6 times; By the end of the year trust net asset value of 3.96 trillion yuan, a 12% growth, ShangNianMo for 15 years in the domestic trade; Credit card hairpin quantity and amount of consumption in the asia-pacific region double first, and among the four hairpin bank list. At the same time, the line of the international integration development and a major breakthrough in 2012, and completed the "house of 7 overseas institutions set and m&a integration work, including buying American bank of east Asia is the first domestic Banks in the acquisition of bank, the acquisition of controlling interest Argentina standard bank is the first time in Chinese Banks outside the purchase of a real sense of mainstream commercial bank, the global service network extended to 39 countries and the area of nearly 400 agencies.

In science and technology innovation, icbc officially launched in 2008 the fourth generation core information system construction successfully completed last year and fully put into operation, in the mobile banking, financial IC card, financial markets, private banking, precious metals, investment Banks and cash management in the field of new business system to realize the breakthrough, not only greatly improve the service ability, but also for related business areas of product innovation provides a good platform, the future will be able to provide clients with more features powerful financial products.

In product innovation, icbc last year there were nearly of the application of innovation project put into use, fit the customer demand the product quantity has more than 4000 kinds of country, and has become the most abundant product categories, the most complete bank. The line of the product innovation in addition to financial consumer brings more rich variety of financial products selection, but also in the residents property income increase, the people life problem solving, life quality promotion and business development played an important role in many aspects. Such as global cash management, network supply chain financing and "receipt steward" pluralism, personalized product innovation introduced and to alleviate the enterprise capital problem, reduce the enterprise financial cost and improve enterprise management efficiency, etc produced significant effect; Chip card, credit card and loan and the innovation of the product launch and application promotion, effectively meet the majority of residents' consumption demand and greatly enhance the safety and convenience of the consumer to pay; SMS mobile phone bank, WAP mobile phone bank, iPhone mobile phone bank, Android mobile phone bank, iPad personal net, Microsoft, apple, opera, Google and other browser version of the personal net, based on WINDOWS8 operating system tablet PC personal financial portable marketing service terminal and a series of mobile financial product launch, better satisfaction of the mobile Internet age people to more user friendly bank service requirement.