I. Enterprise business
1, enterprise deposit and loan business
At the end of 20 19, ICBC's corporate loans amounted to 995,582,543.8 billion yuan, an increase of 536,927 million yuan or 5.7%. Company deposits1202,826.2 billion yuan, an increase of 547 1.2 1 billion yuan, an increase of 4.8%. At the end of 2065438+2009, the balance of ICBC's loans to small and micro enterprises was 4.71.521billion yuan, an increase of 1.6 1.407 billion yuan, an increase of 52.0%. There were 423,000 customers, an increase of 6,543,800+0,530. The average interest rate of accumulated loans in that year was 4.52%, down 0.43 percentage points from the previous year. Relying on financial technology, we will speed up the iterative updating of products, and build a comprehensive service system in inclusive finance around ICBC's microfinance service platform, commercial loans, online loans and online supply chain financing. By the end of 20 19, the Bank had 288 microfinance business centers.
2. Institutional financial business
In 20 19, ICBC will comprehensively promote the electronic reform of fiscal revenue and expenditure accounts at all levels, innovate and promote the "smart government" service system, and promote the implementation of the "1 government portal+"multi-engine business cooperation framework. 12 key extension areas +22 value-added services ". We will comprehensively promote inter-bank cooperation, sign new comprehensive strategic cooperation agreements with key customers at the head office level such as China Development Bank and Shanghai and Shenzhen Stock Exchanges, and sign a memorandum of cooperation between banks and securities on science and technology innovation boards with leading securities to jointly promote the development of the real economy and capital markets. Pilot bill brokerage business and successfully handle the bill brokerage business under the first discount mechanism in the market.
3. Settlement and cash management business
In 20 19, ICBC will promote the construction of six product lines: account management, liquidity management, trade financing, risk management, investment and wealth management, and payment management, and provide comprehensive customer-centered service solutions. Strengthen the application and promotion of the advantage platform and continue to consolidate its leading edge in the field of public payment. Promote the global cash management platform and build a global cash management business system. Promote the "ICBC" financial service platform to meet the financial needs of enterprises and realize the effective customer acquisition mode of "transaction+finance". At the end of 20 19, there were 9.443 million corporate settlement accounts, an increase of 13.5% over the end of last year, and the RMB settlement business of enterprises was 2,399 trillion yuan. 1.426 million cash management customers; There were 7,973 global cash management customers, an increase of 9.5%.
4. International settlement and trade financing business
In 20 19, ICBC will comprehensively improve the financial service level of cross-border trade, actively cooperate with the General Administration of Customs, fully participate in the financial service function project of the "single window" platform for international trade, and provide one-stop services. Provide cross-border settlement, financing and other financial services for domestic import and export enterprises. Strengthen the innovation of trade and financial products, strengthen the special management of forfaiting business, and promote inter-bank cooperation. Vigorously develop non-financing guarantee business to help banks develop external guarantee business healthily and rapidly. In 20 19 years, foreign trade financing totaled 50.895 billion us dollars. The international settlement volume was US$ 2,988.556 billion, of which US$ 6,543.8+0,205.334 billion was handled by overseas institutions.