Jin Rong Jie·2026-02-28 02:57Group 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 "Installment Management Method, System, and Related Devices," which aims to enhance risk control precision and process efficiency in auto installment financing [1] Group 2 - The patent application was published under the number CN121581988A, with an application date of November 2025 [1] - The proposed method includes several stages: pre-loan, loan, and post-loan, focusing on user and vehicle data verification, credit limit determination, loan contract generation, fund supervision, and repayment reminders [1] Group 3 - ICBC was established in 1985 and is headquartered in Beijing, primarily engaged in monetary financial services [2] - The company has a registered capital of approximately 35.64 billion RMB and has made investments in 28 enterprises, participated in 5,000 bidding projects, and holds 969 trademark records and 5,000 patent records [2]