中国工商银行简介
中国工商银行成立于1984年，是中国最大的商业银行。通过近年来的改革发展，工商银行已步入质量效益和规模协调发展的轨道，截止2002年末，总资产近4.8万亿元人民币，占中国商业银行国内资产总和的四分之一，2002年当年创造经营利润449亿元人民币。中国工商银行拥有中国最大的客户，约1亿个人客户和810万法人客户，全行2.2万多个营业网点和40余万名员工为客户提供优质高效的服务。
  中国工商银行业务范围广、业务量大。2002年末成为国内唯一一家存款余额突破4万亿的银行，贷款余额近3万亿元。工商银行的人民币结算市场份额为45%，在证券、期货市场上的清算份额保持在50%以上，2002年办理人民币结算业务100万亿元。在传统优势业务稳步发展的同时，新业务增势强劲。在个人住房按揭贷款、银行卡、资金营运、基金托管等业务领域，都居同业领先地位。2002年末中国工商银行个人消费贷款余额达3030亿元，个人住房贷款市场份额居国内第一；通过经营管理机制的改革，牡丹卡发卡量2002末近8000万张，消费额685亿元；资金营运业务成为工商银行新的经营亮点，2002年全行累计实现票据交易8700多亿元、债券资产余额2002年末突破8000亿元，是国内债券市场的“领头羊”；工商银行
还是国内最大的基金托管银行，截止2002年末，托管基金共20 只，托管基金资产突破300亿元，连续5年处于同业首位。
  中国工商银行具有国际先进水平的计算机网络和技术平台。pane2002年中国工商银行的三大科技工程取得丰硕成果，数据集中工程圆满完成，业务综合系统全面投产，数据仓库建设成效初显，大幅提升了工商银行经营管理和金融服务信息化水平，推进了商业化改革进程。在科技手段的有力支持下，工商银行各项业务不断创新。“银证通”、“银保通”、“汇款直通车”、“现金管理”、“个人支票”、“支票直通车”、保理业务、“理财金账户”、“金融e通道”、“汇市通”等新的金融产品、金融品牌不断推出；服务水平显著提升，实体网点与自助服务协调运行的格局已经形成，由自助银行、电话银行、手机银行和网上银行构成的电子银行立体服务体系日益成熟，2002年末银行卡跨地跨行联网通用和网上银行开通城市超过 300个，网上银行个人客户达400万户，电话银行个人客户超过1000万户，2002年电子银行交易额达87000多亿元，网上银行交易额突破53000亿元。
  中国工商银行的经营业绩为世界金融界所瞩目。中国工商银行分别连续三次被著名财经杂志英国《银行家》和美国《环球金融》杂志评为“中国最佳银行”；《银行家》杂志按一级资
本对全球1000家大银行进行排序，中国工商银行已连续4年入选前10名，连续5年在国内排名第一，美国权威财经杂志《财富》按营业收入对世界500强企业进行排序，中国工商银行已连续4年入选。2008年12月30日，世界权威的品牌价值研究机构——世界品牌价值实验室举办的“2008世界品牌价值实验室年度大奖”评选活动中，工商银行凭借良好的品牌印象和品牌活力，荣登“中国最具竞争力品牌榜单”大奖，赢得广大消费者普遍赞誉。
中国工商银行实行统一法人授权的商业银行经营管理体制。中国工商银行的法人授权管理，是在总行一级法人统一管理下，在法定经营范围内对有关业务职能部门、分支机构及关键业务岗位授予具体业务权限，对各服务区域及客户规定最高信用控制额度，即以授权和授信为主要内容的内部组织管理制度，达到规范经营，增强防范和控制风险能力，提高集约经营水平和经济效益的目的。中国工商银行总行是全行的经营管理中心、资金调度中心和领导指挥中心，拥有全行的法人财产权，对全行经营的效益性、安全性和流动性负责。
Icbc profile
Industrial and commercial bank of China was established in 1984, is China's largest commercial Banks. Through the reform and development in recent years, icbc has already
entered in quality and efficiency, and scale the coordinated development of the track, by the end of 2002, the total assets of nearly 4.8 trillion yuan, accounting for China's commercial Banks domestic asset sum for a quarter of the year 2002 create operation profit is 449 million yuan RMB. Industrial and commercial bank of China has China's largest customer base, about 1 million individual customers and 8.1 million corporate customers, both 22,000 many business sites and more than 40 thousand employees to provide quality and efficient services.
Industrial and commercial bank of China business scope, portfolio is large. The end of 2002 become domestic only a deposit balance breaking 4 trillion of bank, loan balances nearly 3 trillion yuan. Icbc RMB of market share for 45%, in securities and futures market share remained in liquidation more than 50%, 2002 for RMB settlement business 100 trillion yuan. In the traditional advantage of business steady development at the same time, the new business itsleague lumped. In individual housing mortgages loan, bank card, capital operation, fund custody business areas, is the trade lead. The end of 2002 icbc personal consumption loan balances reach 3030 billion yuan, personal housing loan marke
t share in domestic first; Through management mechanism reform at the end of 2002, the peony country nearly 80 million pieces, spending 685 million yuan; Capital operations become icbc new business window, 2002 both realized total bill trading pane shows billion yuan, bonds assets balance the end of 2002 breakthrough 80 million yuan, is the leading domestic bond market ";" Industry and commerce Banks or the largest domestic fund custodian bank, by the end of 2002, trust fund total 20 only, trust fund assets breakthrough 300 million yuan, with 5 years in trade first.
Industrial and commercial bank of China with the international advanced level in the computer network and technology platforms. In 2002, the Chinese commercial bank of three technology project of academic achievements have been made, data set, the business is satisfactory completion of the project integrated system comprehensive production, data warehouse construction achievements previews, greatly enhances their commercial bank management and financial services informationization level, and promote the commercialization reform process. The strong support of the technological means, icbc various business innovation. "Tong", "Yin bao tong", "remittance express", "cash managem
ent" and "personal checks", "check the snowland", factoring, "financing gold account", "financial e passage" and "currencies tong" and so on the new financial products, financial brand continuously introduce, Service level significantly increased, the entity outlets and self-service harmonuous operation pattern has been formed, by self-help bank, telephone banking, mobile phone bank and the bank on the net consisting of electronic banking stereo service system matures, the end of 2002 bank card to include trans-bank networking gm and across the bank on the net opening city more than 300, online banking individual clients reach 400 million households, the telephone banking individual customer more than 10 million households, the 2002 electronic banking transactions amounted to 87000 billion yuan, online banking turnover breakthrough 53,000 billion yuan.
Industrial and commercial bank of China to world finance business performance worldwide. Industrial and commercial bank of China respectively by three consecutive renowned financial magazine British "banker" and the United States "global financial magazine named" Chinese "best bank, The banker magazine by one class capital on global 1000 big bank sorting, icbc has four consecutive years rounding out the top 10, for five years in dom
estic ranked first, the United States authoritative financial magazine fortune by operational income on the world 500 strong enterprises sorting, icbc has four consecutive years were selected. 2008 December 30, the world authoritative brand value research institutions - world brand value lab at the "2008 world brand value laboratory annual award" selection activities, icbc relies on the good brand image and brand vitality, topped the "China's most competitive brand list" prizes, wins the general consumers universal praise.

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