中国工商银行简介.txt32因为爱心,流浪的人们才能重返家园;因为爱心,疲惫的灵魂才能活力如初。渴望爱心,如同星光渴望彼此辉映;渴望爱心,如同世纪之歌渴望永远被唱下去。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。2002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530
00亿元。
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。
工商银行贷款条件>韩国整容明星Icbc profile
孟子义背景金鸡百花手机影片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 market share in domestic fir
st; 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 management" 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 domestic 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 competitiv
e brand list" prizes, wins the general consumers universal praise.
Icbc unified the authorization of the commercial bank management system. Industrial and commercial bank of China, the authorization management is in first class corporative unified management under the head office in legal business scope of relevant business functional departments and branch offices and key business post granted access to the specific business service area and customer supreme, credit control limit prescribed by authorized and credit that as the main contents of the internal organization management system, to standardize the operation, en
hance preventing and controlling risk ability, improve intensive management level and economic efficiency. Industrial and commercial bank of China head office is selling management center, capital of dispatching center and leadership command center, has both the legal person of property rights, the son of management for efficiency, safety and liquidity is responsible.
中国工商银行2010年业务综述
2010年,中国工商银行股份有限公司(以下简称“工商银行”)面对复杂多变的外部环境,主动适应全球金融监管变革要求,融入中国经济转型发展大局,把加快发展方式转变放在更加突出的位置,坚定不移调结构,脚踏实地促转变,巩固了全球市值最大、客户存款第一和盈利最多的大型上市银行地位,拥有优质的客户基础、多元的业务结构、强劲的创新能力和市场竞争力。
[业务概况]
截至年末,工商银行拥有397,339名员工,通过16,227家境内机构、203家机构和遍布全球的逾1,562家代理行以及网上银行、电话银行和自助银行等分销渠道,向412万公司客户和2.59亿个人客户提供广泛的金融产品和服务,基本形成了以商业银行为主体,跨市场、国际化的经营格局,在商业银行业务领域保持国内市场领先地位。
2010年末,总资产达134,586.22亿元,比上年末增加16,735.69亿元,增长14.2%;总负债达126,369.65亿元,比上年末增加15,308.46亿元,增长13.8%;总市值达2,335亿美元,居全球上市银行之首。2010年实现净利润1,660.25亿元,较上年增长28.4%,增幅同比加快了12.0个百分点,继续稳居全球最盈利银行地位;平均总资产回报率和加权平均权益回报率分别为1.32%和22.79%,处于全球银行业领先水平;每股收益为0.48元,较上年增加0.10元;不良贷款余额和不良贷款率连续11年保持双下降,不良率降至1.08%。受益于经营结构的优化、再融资的完成以及利润留成比例的适当扩大,资本充足率和核心资本充足率分别达到12.27%和9.97%,资本实力和可持续发展能力进一步增强。我很白羊座
工商银行公布2011年第一季度经营业绩
4月28日,中国工商银行股份有限公司(股票代码
海天盛筵p照片SH: 601398;HK: 1398)公布了2011年第一季度的经营业绩。按照国际财务报告准则,2011年第一季度工商银行实现净利润538.36亿元人民币,比上年同期增长29.03%,每股净资产及每股收益分别达到了2.50元和0.15元。年化的平均总资产回报率及加权平均权益回报率则分别上升至1.55%和25.44%,同比提高了0.18个百分点和1.58个百分点。
在经营业绩稳定快速增长的同时,工商银行的风险管控能力不断增强,资产质量持续优化。今年第一
季度,工商银行的不良贷款余额和比例在连续十一年“双下降”的基础上又实现了“双下降”,季末不良贷款率已降至1.00%,较2010年末下降0.08个百分点。与此同时,拨备覆盖率则继续大幅上升,至一季度末已达246.53%,较2010年末又提升了18.33个百分点,在可比银行中拨备覆盖率最高,鲜明地反映出稳健经营的风格。此外,拨备余额占总贷款比例达到2.47%,又比年初上升0.01个百分点。
今年以来,工商银行在合理把握信贷投放总量和节奏的同时,把工作重心更多地放在调整优化信贷结构上。一季度,工商银行境内分行人民币贷款增加2105.16亿元,增幅为3.39%,增长平稳适度。在信贷投向的把握上,工商银行着力控制了中长期贷款的投放,房地产开发贷款的增幅比去年同期下降了10.3个百分点。更为突出的一个特点是,今年一季度,工商银行下大力气加强了对中小企业尤其是小企业的金融服务和信贷支持。一季度末,工商银行小企业贷款余额较年初增加了535亿元,占全部公司类贷款增量的35.7%,小企业贷款增幅达11.6%,高于各项贷款平均增幅8.2个百分点。
在信贷结构持续优化的同时,工商银行还积极推进负债结构转型,实现了存款业务的协调健康发展。从存款总量上看,截至一季度末,工商银行客户存款余额已达11.76万亿元,比上年末增加6188.67亿元,继续保持全球客户存款第一商业银行的市场地位。与此同时,工商银行还加强了存款业务与理财业务的协调互动发展,较好地满足了客户多样化的理财服务需求。
在中间业务方面,工商银行通过加快产品和服务的创新,在绝大多数新兴业务领域进一步确立了市场
领先优势,实现了收入结构和业务发展方式的转型优化。今年一季度,工商银行实现手续费及佣金净收入259.27亿元人民币,比去年同期增长42.02%,在营业收入中的占比达到22.86%,同比提高1.86个百分点。其中,投资银行业务收入达到67.1亿元,成为中间业务收入最重要的来源之一;信用卡发卡量达6666万张,发卡量、消费额和透支额均居同业首位;个人网上银行客户数超过1亿户,电子银行业务在全部业务量
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