In 1980s, especially in recent ten years, with the wide application of modern information technology, great changes have taken place in liberalization and globalization.
The information revolution in 1980s completely changed the operation mode of banks, and all banking activities were embedded in computer information networks, which opened a new era of bank development.
In this new process, online banking is undoubtedly one of the best application systems. From the development of online banking in recent years, we can obviously feel the charm of bank information construction. This low-cost service model can not only provide customers with 3A services beyond time and space, but also provide customers with all-weather financial services 24 hours a day, 365 days a year, creating conditions for customers to provide personalized products.
It can be predicted that the business development of banks in the future will be the combination of human brain and computer, and the development of physical banks and virtual banks. Banks can not only provide customers with all-weather and full-featured services, but also provide customers with personalized and characteristic financial products.
Since its establishment, China Industrial and Commercial Bank has always insisted that science and technology are the primary productive forces, promoted the development of financial innovation with the application of science and technology, and built a strong information technology foundation. Business operation has realized the informationization, networking and data concentration of the whole bank, and electronic banking has developed rapidly, and management informationization has begun to take shape.
At present, the total assets of ICBC have reached more than 6.4 trillion yuan, and it has maintained the largest market share in the major banking sectors in China. Through 18764 domestic institutions, 100 overseas branches and 165 correspondent banks all over the world, it has provided leading information technology and electronic networks for more than 2.5 million legal persons.
In the field of online banking, ICBC is one of the earliest users. ICBC opened its own website on the Internet on 1997 12, and officially launched its online banking business in February 2000. Over the past five years, ICBC's online banking business has maintained a high-speed development trend. By the beginning of this year, the Bank had accumulated personal online banking customers 1544. There are 336,000 corporate online banking customers. In 2005, online banking transactions reached 42 trillion yuan, of which BtoC transactions reached 7.27 billion yuan. The settlement volume through online banking accounts for 30% of the bank's settlement business, and the transaction amount has accounted for more than 60% of the total online transactions of commercial banks nationwide, which is in an absolute leading position.
Icbc's online banking mainly consists of two product systems: ICBC Financial E-Link for corporate customers and Financial Home for individual customers:
"ICBC Financial E-Link" is a powerful enterprise online banking system developed by China Industrial and Commercial Bank. With 1 1 multiple categories and 100 functions, it provides account inquiry, payment collection service, wealth management of the group, VIP rooms, financial offices, correspondent banks and special customer services for small and medium-sized enterprises, social organizations and administrative institutions.
"Finance @ Home" is a powerful personal online banking system developed by ICBC. It has more than 60 functions in 12 category, including 24-hour unlimited random transfer, online payment, inter-bank payment, online shopping, professional foreign exchange, securities and insurance information and unique trading services.
It can be said that except for a small amount of cash payment, you need to go to the bank, and "Finance @ Home" already has all the services of financial outlets.
Online banking has become an important channel for ICBC to provide financial services to customers, and its development achievements have attracted the attention of peers at home and abroad: in 2002, ICBC won the title of "Best Enterprise Online Banking in China" selected by Global Finance magazine; From 2003 to 2005, our bank was awarded the title of "Best Personal Online Banking in China" by Global Finance magazine for three consecutive years. In 2005, ICBC was selected as "Top 50 Internet Industry Brands in China" by netizens in the "China Internet Industry Survey", and online banking ranked first; At the beginning of this year, in the "Online Banking Evaluation" initiated by He Xun, ICBC's online banking won the first place with absolute advantage.
The development of ICBC's online banking has better met the changes in the needs of enterprises and individuals in the information age and has become an important weapon for market competition.