A Study On Banking Informatization For ICBC

Founded in 1984,Industrial and Commercial Bank of China(ICBC)is one of four major state-owned banks.After 30 years of informatization construction,it has completed the construction of information system infrastructure and core business process system.Its safety production and operation ability and product innovation ability are all at the domestic leading level,and the traditional banking business informatization has been completed.However,with the opening of financial markets in various countries and the ever-changing technology,ICBC is faced with both great challenges and unprecedented opportunities.It is the key issue of the ICBC as to how to use the new technology actively to enhance the core competitiveness in the future information construction.The paper first summarizes the relationship between the informatization and the development of commercial banks,and then analyzes the development of banking informatization at home and abroad,and then focuses on the analysis of the general information of ICBC’s informatization construction,channel trend and satisfaction,and puts forward the new direction of informatization construction using the combination of theory and practice,questionnaire survey and other research methods.The paper puts forward the new direction of ICBC informatization construction: in terms of customer service,it focuses on the construction of financial service,best customer experience on mobile channels,diversified wealth management and integrated institutional service program;in terms of branch service,it mainly conducts the construction of efficient operation of the branch,intelligent marketing activities,community-based service form;in terms of internal management,it focuses on the construction and application of big data as well as the construction of efficient collaborative office;in terms of technical framework,it focuses on the construction of technology development,application system,infrastructure and technology management.This paper offers feasible implementation direction for ICBC,with the hope of providing reference to other domestic commercial banks.