Today, every customer can easily enjoy the convenience brought by the bank's advanced information technology: large group enterprises can instantly collect the funds from hundreds of accounts throughout the country and even around the world in an account designated by the headquarters; As long as it operates online, it can complete loan application, withdrawal and repayment at any time; A remittance can be instantly transferred to a bank account thousands of miles away; You can place an order to buy and sell gold anytime and anywhere through a telephone; You can pay for water, electricity, gas and mobile phones without leaving your home; You can easily travel around the world with a credit card; Send a short message to get professional answers to financial problems; Electronic fast payment can be completed with one mobile phone, such as Intelligent form filling desk Ah, these smart product lines are too convenient.
These changes reflect the tremendous improvement of core competitiveness of banks brought by more than ten years of information technology construction. Taking ICBC as an example, relying on its constantly improving IT strength, ICBC has completely broken away from the manual mode of "one abacus and one pen" in the past, freed itself from the shackles of labor-intensive, and embarked on the road of technology driven and technology led financial innovation. In this process, ICBC adhered to the customer demand orientation, actively promoted the process of service optimization and the improvement of product innovation capability, continued to strengthen the transformation and application of innovation achievements, and rapidly transformed information technology advantages into all-round improvement of service supply capability, product innovation capability and customer service level. At the same time, relying on the powerful information system platform, ICBC has also continuously optimized its management mode, realizing the transformation to the management system of modern commercial banks.
First, advanced systems and strong R&D capabilities make it possible to innovate financial products close to customer needs. ICBC has won the British Banker Science and Technology Award for many times, the Asian Banker China's Best Data Center, the "China's Best IT Bank" by the Chinese Banker for many times, and the top 500 Chinese enterprises in information technology for many times; Since 2000, ICBC has successively won 170 scientific and technological achievements with the People's Bank of China's Science and Technology Development Award, including the first grand prize for data centralization project, 12 first prizes and 66 second prizes. At the same time, in 2011 alone, ICBC won 48 new national zhuanli projects. At present, the number of national zhuanli projects has reached 178, accounting for more than 60% of the total number of zhuanli in China's banking industry, which is an absolute leader. In 2010, ICBC was awarded the "World Intellectual Property Organization (WIPO) Copyright Gold Award (China)" by the World Intellectual Property Organization (WIPO), It became the first financial institution in China to win this award. More importantly, these independent innovation achievements have been rapidly transformed and applied to the service field, which has played a huge role in promoting ICBC's service capability and service level, and also laid a solid foundation for ICBC to better serve the economy and society. Taking the financial service for enterprises as an example, the Bank's innovative bank enterprise interconnection service organically interconnected the online banking system with the enterprise financial software system, deeply integrated the system resources of both banks and enterprises, brought safe, real-time and personalized online banking services to enterprises, and changed the past situation of enterprise financial personnel rushing back and forth between enterprises and banks. Through this innovative product, ICBC can provide customers with nine categories of products and 209 functions, including account management, payment business, collection business, fund management, investment and wealth management, electronic bills, e-commerce, supply chain finance and international settlement. After connecting the financial system with ICBC's bank enterprise interconnection platform, enterprises can also easily realize account management, fund collection and allocation, comprehensive collection and payment and a number of characteristic services through their own financial system, which effectively reduces the cost of financial management and improves the management level of enterprises. By the end of 2011, the total number of ICBC's products had reached 3243, launched a number of new products that closely meet customers' financial service needs, built a product system across the capital market, money market, and insurance market, and became the financial institution with the most abundant products, the most complete categories, and the strongest service supply capacity in China's financial market. At the same time, the Bank has 1354 business and product innovation projects under development, which has always maintained a strong momentum of continuously delivering high-quality innovative financial products to the society.
While greatly improving the service level, the wide application of information technology has gradually shown its effectiveness in reducing the management and operating costs of commercial banks, and has played an important role in promoting the transformation of bank operations. For example, with the rapid development of customer scale and service ability, the rise of e-banking channels such as online banking has also played a pivotal role in the transformation of ICBC's development mode. At present, e-banking has become the main channel for transactions and services of ICBC. While improving the ability and level of banking services to customers, it also leads banking services to enter the development stage of e-finance and green finance. At the same time, the rapid development of e-banking also alleviates the contradiction between the rapid growth of banking business volume and the relatively limited resources of physical outlets, and promotes the development of business and the improvement of efficiency. Today, the daily business volume handled through ICBC's e-banking has exceeded the business scale handled by all business outlets of the bank. Seven out of ten businesses are handled through electronic channels, which is equivalent to rebuilding a bank of the same size in terms of customer service. If we calculate the difference between the cost of each e-banking and counter business, ICBC e-banking alone saved about 30 billion yuan in operating costs in 2011.
