金融界2025年4月7日消息，国家知识产权局信息显示，中国工商银行股份有限公司申请一项名为"一种 金融服务业务的引导方法、装置、设备、介质及产品"的专利，公开号CN 119762083 A，申请日期为 2024年12月。 专利摘要显示，本发明公开了一种金融服务业务的引导方法、装置、设备、介质及产品。该方法包括： 采用金融服务大语言模型分析用户输入的业务问题，得到待办理的目标业务项；根据所述目标业务项、 用户的历史行为数据和各候选机具的属性信息，确定各候选机具的基础选择概率；根据各候选机具的当 前业务办理情况、所述候选机具的位置和用户的当前位置对所述基础选择概率进行修正，得到各所述候 选机具的目标选择概率，并根据所述目标选择概率对各所述候选机具进行排序，以供用户从各所述候选 机具中选择目标机具；引导用户前往所述目标机具办理所述目标业务项。本发明实施例可以提升用户办 理金融业务的效率和体验。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币，实缴资本24800000万人民币。通过天眼查大数 据分析，中国工商 ...

天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币，实缴资本24800000万人民币。通过天眼查大数 据分析，中国工商银行股份有限公司共对外投资了30家企业，参与招投标项目5000次，财产线索方面有 商标信息981条，专利信息5000条，此外企业还拥有行政许可76个。 专利摘要显示，本发明提供了一种基于区块链的交易方法及装置，可用于区块链领域、金融领域或其他 领域。所述方法包括：获取客户输入的交易信息，利用预先建立的异常交易预警模型对交易信息进行处 理，得到异常交易预警结果；若异常交易预警结果为非异常交易，则利用交易信息建立智能合约，确定 交易信息对应的交易类型；根据交易类型选择异构区块链或双区块链，利用智能合约进行交易处理。本 发明利用异常交易预警模型与区块链技术，增强交易的安全性和防篡改保证交易的透明和可追溯使得交 易过程更加可信，且可以追溯每一笔交易的来源和去向，基于区块链的交易处理提高了交易效率，同时 在交易前增加客户交易安全性认证，降低客户被欺诈风险，提高客户体验。 来源：金融界 金融界 202 ...

天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币，实缴资本24800000万人民币。通过天眼查大数 据分析，中国工商银行股份有限公司共对外投资了30家企业，参与招投标项目5000次，财产线索方面有 商标信息981条，专利信息5000条，此外企业还拥有行政许可76个。 金融界2025年4月7日消息，国家知识产权局信息显示，中国工商银行股份有限公司申请一项名为"用于 金融场景的模型处理方法、装置以及计算机程序产品"的专利，公开号 CN 119760360 A，申请日期为 2024年12月。 专利摘要显示，本申请公开了一种用于金融场景的模型处理方法、装置以及计算机程序产品。涉及金融 科技领域或其他相关技术领域，该方法包括：获取金融业务需求，对金融业务需求进行特征识别，得到 N个业务需求特征，其中，N个业务需求特征包括业务类型以及N‑1个业务特征，N为正整数；根据业务 类型确定M个候选模型，根据N‑1个业务特征从M个候选模型中筛选出目标模型，其中，M为正整数； 利用负载预测模型预测目标模型的业务负载，得到业务负 ...

金融界2025年4月7日消息，国家知识产权局信息显示，中国工商银行股份有限公司申请一项名为"一种 服务器资源分配方法、装置、设备、存储介 质和产品"的专利，公开号CN 119759576 A，申请日期为 2024年12月。 来源：金融界 专利摘要显示，本发明公开了一种服务器资源分配方法、装置、设备、存储介质和产品，可应用于金融 科技领域。该方法包括，获取当前时间周期下各交易发起方发起的服务交易请求；将各服务交易请求分 配至预先设定的至少一个任务集合中，得到各个任务集合下的服务交易请求；根据各任务集合分别与各 服务器节点之间的当前信息素浓度，确定各任务集合分别与各服务器节点之间的分配概率；根据各任务 集合分别与各服务器节点之间的分配概率，确定各任务集合分别对应的目标服务器节点；将各任务集合 中的服务交易请求分配至相应目标服务器节点中进行请求处理。本技术方案提升了对服务器资源进行分 配的合理性以及利用率，并提升了对服务交易请求的处理效率。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币，实缴资本24800 ...

聚焦"投资于人" 消费是拉动经济增长的"主引擎"。工商银行深入贯彻落实党中央、国务院关于提振消费专项行动的工作 要求，加大资源投入，创新服务模式，增加消费金融供给，将扩内需、促消费、惠民生落到实处。 激活市场潜力 工商银行将工作着力点更多聚焦惠民生，丰富消费金融产品，支持居民增收，不断增强人民群众获得 感、满足感和幸福感。 "工行加强对社群消费特征和变迁趋势的深度研究，根据随房消费、投资型消费和代际转移型消费等分 类精准施策，不断激发多样化、差异化消费潜力。"工行个人信贷业务部相关负责人介绍，例如，针对 购房人群推出"家居贷""装修贷""随房e贷"等消费贷款产品组合；面向研究生教育、继续教育、专业教 育需求推出"优学贷"产品；围绕养老金融需求推出社保闪借、如意借、年金闪借等产品。 截至今年2月末，工商银行累计投放个人消费贷款超1.7万亿元，为畅通经济循环注入强劲金融动能。 ■本报记者 曹沛原 强化资源配置 创新产品体系 工商银行坚持国家所需、金融所能、工行所长，强化资源配置，积极开展提振消费专项行动，有力有效 支持惠民生、促消费。 为此，工商银行持续加大信贷投放力度，今年2月末，个人消费贷款余额较年初增加超1 ...

Core Insights - In 2024, the Industrial and Commercial Bank of China (ICBC) reported a net interest income of 637.405 billion RMB, a decrease of 17.608 billion RMB or 2.7% year-on-year, accounting for 77.6% of total operating income [1] - The bank's total assets reached 48,821.746 billion RMB by the end of 2024, an increase of 4,124.667 billion RMB or 9.2% year-on-year [2] - ICBC's net profit for 2024 was 366.946 billion RMB, reflecting a slight increase of 0.5% compared to the previous year [3] Financial Performance - The total operating income for ICBC in 2024 was 821.803 billion RMB, down 2.5% from 843.070 billion RMB in 2023 [1][3] - Non-interest income was reported at 184.398 billion RMB, a decrease of 3.659 billion RMB or 1.9% year-on-year, making up 22.4% of total operating income [1] - The bank's operating profit remained stable at 420.885 billion RMB, with a pre-tax profit of 421.827 billion RMB [1] Asset Quality - The non-performing loan (NPL) ratio stood at 1.34% at the end of 2024, a decrease of 2 basis points from the end of 2023 [2] - Total non-performing loans amounted to 3,794.58 billion RMB, an increase of 259.56 billion RMB year-on-year [2] - The provision coverage ratio improved to 214.91%, up 0.94 percentage points year-on-year [2] Customer and Asset Management - The number of private banking clients increased to 289,000, a growth of 26,000 clients or 9.9% year-on-year [2] - Managed assets in private banking reached 3.47 trillion RMB, reflecting a year-on-year growth of 13.2% [2] Dividends - ICBC plans to distribute a total dividend of approximately 586.64 billion RMB at the end of the year, with a proposed payout of 1.646 RMB per share (including tax) [3]

Investment Rating - The report maintains a "Recommendation" rating for Industrial and Commercial Bank of China (ICBC) with a target price of 7.56 CNY / 5.99 HKD [2][8]. Core Views - ICBC demonstrated strong resilience in net interest margin and stable asset quality, with a slight decrease in non-performing loan ratio to 1.34% and a provision coverage ratio of 214.9% [2][8]. - The bank's total operating income for 2024 was 821.8 billion CNY, a year-on-year decrease of 2.5%, while net profit attributable to shareholders was 365.9 billion CNY, up 0.5% year-on-year [2][3]. - The report highlights improvements in loan structure, particularly in retail loans, which saw a growth rate of 3.5% [8]. Financial Performance Summary - Total operating income (million CNY): 2024: 821,803; 2025E: 828,128; 2026E: 844,278; 2027E: 883,234 [3]. - Net profit attributable to shareholders (million CNY): 2024: 365,863; 2025E: 368,388; 2026E: 379,648; 2027E: 392,481 [3]. - Earnings per share (CNY): 2024: 1.01; 2025E: 1.02; 2026E: 1.05; 2027E: 1.09 [3]. - Price-to-earnings ratio: 2024: 6.72; 2025E: 6.67; 2026E: 6.47; 2027E: 6.25 [3]. Asset Quality and Risk Indicators - Non-performing loan ratio: 2024: 1.34%; 2025E: 1.33%; 2026E: 1.31%; 2027E: 1.31% [11]. - Provision coverage ratio: 2024: 215%; 2025E: 212%; 2026E: 208%; 2027E: 205% [11]. - The report notes a decrease in asset impairment losses by 16% year-on-year, contributing positively to profits [8]. Future Outlook - The report adjusts revenue growth forecasts for 2025-2027 to 0.8%, 2.0%, and 4.6% respectively, and net profit growth forecasts to 0.7%, 3.1%, and 3.4% respectively [8]. - The bank's valuation is considered undervalued at 0.63x 2025 PB, with a target PB of 0.7x for 2025E [8].

Group 1 - The core point of the news is that the Industrial and Commercial Bank of China (ICBC) has applied for a patent related to a transaction routing matching method and device based on natural language processing, aimed at improving the efficiency of financial transaction processing and reducing settlement risks [1] Group 2 - The patent application was published under the number CN 119741107 A, with an application date of December 2024 [1] - The technology addresses the issue of automatically matching transaction routes for financial transactions that do not have a completed transaction order, which is a limitation in existing technologies [1] Group 3 - ICBC was established in 1985 and is headquartered in Beijing, primarily engaged in monetary financial services [2] - The registered capital of ICBC is approximately 35.64 billion RMB, with a paid-in capital of 24.8 billion RMB [2] - The bank has made investments in 30 companies and participated in 5,000 bidding projects, holding 981 trademark records and 5,000 patent records [2]

Group 1 - The core point of the news is that the Industrial and Commercial Bank of China (ICBC) has applied for a patent related to a credit card product recommendation method, which aims to enhance the accuracy of credit card product recommendations using clustering and optimization algorithms [1][3]. Group 2 - ICBC was established in 1985 and is headquartered in Beijing, primarily engaged in monetary financial services [2]. - The registered capital of ICBC is approximately 35.64 billion RMB, with a paid-in capital of 24.8 billion RMB [2]. - ICBC has invested in 30 companies, participated in 5,000 bidding projects, and holds 981 trademark registrations and 5,000 patent registrations [2].

Group 1 - The article emphasizes the importance of combating financial "black and gray industries" to protect consumer rights and maintain normal financial operations [1] - The Industrial and Commercial Bank of China (ICBC) Weifang Branch has actively identified and reported clues related to black and gray industries, focusing on illegal financial activities in the credit sector [1] - A successful case was reported in 2024, where a loan fraud case involving 222,000 yuan was established through collaboration with law enforcement [1] Group 2 - The bank has implemented strict real-name account verification to ensure that account holders have legitimate identity information and to manage behaviors such as credit card cashing [1] - Continuous internal management is emphasized, with a focus on assessing the qualifications of credit partners and clients to ensure compliance and legitimacy in financial activities [1] - The bank has initiated a dual-channel public awareness campaign to educate the public on identifying illegal financial activities and to enhance internal compliance training for employees [2]