Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
Products and services
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.
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.
Compared with the traditional bank card using magnetic stripe, each chip card has a microcrystalline chip, which greatly increases the information storage capacity of the card. It can not only realize all the financial functions of ordinary magnetic stripe bank cards, but also provide customers with personalized intelligent services such as offline transactions, contactless transactions, membership management and points management. At the same time, the chip card has further upgraded the anti-counterfeiting technology and has higher security. Industrial and Commercial Bank of China (ICBC) is one of the earliest commercial banks in China to start the research and development of chip bank cards, and it has maintained a leading position in the fields of chip card technology research and development, industry cooperation and card issuance scale for a long time.