ICBC Exploration Bill Business Division system reform

Yesterday, ICBC in the bank "set up a paper business 10 anniversary press conference and new product promotion meeting" revealed that the line will strive to become the first market maker of the bill, and explore through the reform of the Department of Business and other ways to do a good job better bill. ICBC has always been the leader in the bill business, and the bank has adopted a strategy of establishing specialized agencies to implement the franchise of the instrument business. Ten years ago, ICBC set up the first domestic bill franchise in Shanghai-ICBC Bills sales department.　　At the same time, the bank also took the lead in the implementation of Bill financing business unified centralized management, the comprehensive establishment of the bill intensive business model.　　Wang Lili, vice president of ICBC, said in the press conference that over the past decade, ICBC's bills traded at 12 trillion yuan and accumulated interest income of nearly 100 billion yuan, and the non-performing rate of bill assets was controlled at less than one out of 10,000 of the level. "By developing the bill business, banks can more easily and proactively balance credit receipts and balances and adjust credit structures." Help to maintain a relatively reasonable and stable credit scale and the pace of delivery.　　"said Jianxiang, ICBC's finance research director. In fact, after ICBC took the lead in establishing a Bill franchise, the other national commercial banks have adopted a similar model and set up a franchise agency.　　After benefiting from the bill's franchise strategy, ICBC said that the next step will be to explore through the reform of the business sector and other ways to do better than the bill business. At present, ICBC Bill Sales department has built a cross-regional operation of the national marketing Network, forming a highly centralized and unified management of the operating model, in addition to Shanghai, but also in Shenyang, Tianjin and other areas set up 8 branches.　　To some extent, the bill business Line initially has a simple prototype of the division. The so-called division system, refers to a product, region or customer based on the relevant research and development, procurement, production, sales and other departments to combine into a relatively independent unit of the organizational structure.　　The division operates independently, with independent accounting, both as a profit center and as a product liability unit. "The implementation of the Division system can make enterprise resources more focused, more focused, professional, reduce internal coordination and other costs."　　"A large state-owned bank said that many foreign commercial banks have also implemented a business unit, such as Bank of America, DBS Bank and so on." In China's banking industry, AgBank, CMB and other listed banks have more or less carried out the reform and exploration of the Division system. At present, the most in-depth reform of the Department of Business is the Minsheng Bank in September 2007 launched a comprehensive reform of the division, the bank has set up a real estate, energy, transportation, metallurgy, trade and finance and other business departments.