China Everbright Bank/KLOC-0 was established in August, 1992, and completed the shareholding system reform in197 10, becoming the first national joint-stock commercial bank with state holding and international financial organizations participating. 1 1 Over the years, China Everbright Bank has achieved good business performance while providing high-quality financial services to the society, and gradually formed a diversified shareholding structure suitable for modern commercial banks, an increasingly perfect corporate governance and operating mechanism, a more advanced scientific and technological support system, a high-quality staff, a well-laid institutional network and extensive inter-bank cooperation.
By the end of 2003, China Everbright Bank had more than 370 branches in 36 economic center cities in 23 provinces, autonomous regions and municipalities directly under the Central Government, and became a national joint-stock commercial bank enterprise service with certain social influence: Credit Card The credit card business of China Everbright Bank originated in 2004, and it was one of the earliest joint-stock commercial banks in China to carry out credit card business.
The credit card of China Everbright Bank has continuously innovated its business model, and established the first scientific decision support system based on data warehouse and business intelligence in China. It uses advanced data warehouse, data mining, OLAP (on-line analytical processing) and customer value decision support technology, customer life cycle management planning marketing activity management platform and various forecasting models to subdivide customer transaction behavior and value. Take the lead in launching UnionPay Platinum Card, visa Unlimited Card and other products, creating a dynamic password verification method for mobile phones, and forming a differentiated service system for customers with Platinum Card and Unlimited Card.
Cloud payment: By the end of 20 15, the overall transaction scale of "cloud payment" of China Everbright Bank exceeded 1 trillion yuan, among which the number of B2C online payment customers exceeded 1 billion yuan, and the transaction amount exceeded 300 billion yuan, with a year-on-year increase of over 200%. The online transaction volume authorized by the central government exceeded 50 billion yuan, ranking first in the industry.