中信银行区块链协议,中信银行区块链平台

① Why does CITIC Bank’s head office recruit so many information technology personnel?

Continue to follow up and master various innovative technologies including blockchain, quantum communications, and 5G;< br />
2. Look for scenarios with innovative technology application potential in various business sectors within the industry, introduce new technologies for implementation, and explore solutions that use innovative technologies to improve business value;

3. Learn and master the relevant rules and regulations such as risk management, internal control and compliance faced by the use of innovative technologies within the bank.

Employment Requirements

1. Recruitment Targets

1. 2022 fresh graduates who are included in the national unified enrollment plan and are not working while in school (Excluding commissioned trainees and directed students);

2. Graduates from overseas, Hong Kong, Macao and Taiwan universities who graduated from January 2021 to August 2022 and are employed for the first time.

2. Basic conditions

1. Abide by laws and regulations, be honest and trustworthy, and have no bad records such as illegality, violations, and disciplinary violations.

2. Students from Mainland China, Hong Kong Special Administrative Region, Macao Special Administrative Region, and Taiwan.

3. Have a nationally recognized master’s degree or above, majoring in science (mathematics, statistics), engineering (computer, electronic information, automation, electrical, machinery, instrumentation) and other related majors.

4. Non-English major graduates should generally pass CET-6 or equivalent or above.

5. Graduate as scheduled according to national or university regulations. Fresh graduates from domestic colleges and universities must obtain graduation certificates, degree certificates, and employment registration certificates when they join the workforce; graduates from colleges and universities overseas and in Hong Kong, Macao, and Taiwan must obtain academic degree certification from the Ministry of Education when they join the workforce.

6. Preference will be given to those who are familiar with new technologies such as blockchain and quantum communications.

7. Have a strong sense of mission and responsibility, obey organizational arrangements; adapt to the development requirements of the enterprise, be enterprising and passionate about work, identify with the values ​​and corporate culture of CITIC Bank, and be interested in working in CITIC Bank Long-term development within the system.

8. Have good learning and research analysis skills, written expression skills, organizational coordination skills and teamwork awareness.

9. Be physically and mentally healthy and be able to withstand a certain amount of work pressure; physical conditions must meet the requirements of the Ministry of Human Resources and Social Security's "General Standards for Physical Examination for Civil Servant Recruitment (Trial)" and "Civil Service Recruitment Physical Examination Operation Manual (Trial)"

② Zhu Xiaohuang of CITIC Bank: Many blockchain companies are either fools or liars. How to evaluate

I think what Mr. Zhu said is very reasonable. Blockchain has now It has become a hot topic, and those engaged in the Internet seem to be out of touch with the times if they don’t talk about blockchain. Today, the editor will give you some popular science: what exactly is blockchain? Why are there so many blockchain companies?Either you are stupid, or you have ulterior motives.

1. What exactly is blockchain?

When talking about blockchain, we have to mention Bitcoin. Blockchain is simply a distributed shared ledger and database. Its advantage is that it is decentralized and cannot be tampered with, because modifying one data cannot affect all records. The characteristics of openness, transparency and traceability are conducive to solving the current pain points and difficulties in many fields such as financial supervision, public welfare, and anti-counterfeiting.

To sum up, for us melon-eating people, just listen to blockchain. If you really want to invest money in the currency circle, 99% of it is Harvested as leeks. Netizens, do you agree with the editor's statement? Tell us your views and leave a message in the comment area for discussion.

③ CITIC Bank prohibits accounts from being used for Bitcoin transactions. Do you support the bank’s decision?

With the price of Bitcoin skyrocketing, cryptocurrencies such as Bitcoin are now becoming more and more popular. It is becoming more and more known to people, but in fact, the risk of Bitcoin transactions is very high, and it is not legal. In addition, the value of the cryptocurrency itself is not high, and it looks more and more like a scam, so I personally Still very supportive of the bank’s decision.

3. Bitcoin looks more and more like a scam

Bitcoin has attracted a lot of attention since its birth, but about the invention There is very little information about the author Satoshi Nakamoto, and as the price of Bitcoin gets higher and higher, the popularity continues to grow, and it looks more like a widespread scam. You must know that the value of Bitcoin itself is actually not high. The only valuable thing is the blockchain technology. The price of Bitcoin today can even be said to be given by people, but the value preservation of this price is very low. , as long as people no longer recognize it, it can be said that the price of Bitcoin will directly collapse, and this is also the final result of many scams.

To sum up, in my opinion, Bitcoin is actually not safe. Both its value and risk are somewhat prohibitive, so I personally support this initiative of the bank. .

④ CITIC Bank's asset scale exceeds 7 trillion and the "three drives" balanced development

Author: Yuan Yiman

Evening of August 27, 2020 , China CITIC Bank (601998.SH) released its 2020 semi-annual report. The report shows that China CITIC Bank's net profit attributable to shareholders of the company in the first half of 2020 was 25.541 billion yuan, and its operating income was 102.013 billion yuan, a year-on-year increase of 9.51%. Among them, net interest income was 64.935 billion yuan, a year-on-year increase of 5.56%, accounting for 10% of total operating income. The revenue ratio was 63.6%, and the net non-interest income was 37.078 billion yuan, a year-on-year increase of 17.19%, accounting for 36.4% of the total revenue. The revenue structure tends to develop in a balanced manner.

At the same time, the report shows that China CITIC Bank’s asset size has also shown rapid growth. At the end of the reporting period, its asset size reached 70806.16 billion, an increase of 4.89% from the end of the previous year, a year-on-year increase of 10.66%, the loan scale reached 4.214523 billion, an increase of 5.42% from the end of the previous year, a year-on-year increase of 9.87%, and the deposit scale reached 4.443816 billion, a year-on-year increase It increased by 11.06%, an increase of 10.03% from the end of the previous year, and the increase exceeded 400 billion yuan, setting a record high.

In this year's "Top 500 Global Banking Brands" ranking by the British "Banker" magazine, CITIC Bank ranked 21st, and its Tier 1 capital ranked among the "World's 1,000" by the British "Banker" magazine. Ranked 24th in the "Bank Ranking", its brand value and comprehensive strength have been widely recognized.

Comprehensively improve the quality and efficiency of inclusive finance in benefiting the real economy

The State Council executive meeting held on June 17, 2020 proposed to "guide financial institutions to further reasonably provide benefits to enterprises to help stabilize the economy Basic disk". As one of the domestic commercial banks with the strongest capital strength, CITIC Bank has grown rapidly in the wave of China's economic development and has now become a national commercial bank with strong comprehensive competitiveness. During the reporting period, CITIC Bank conscientiously implemented the policies of the Party Central Committee and The State Council and regulatory authorities require that companies actively support the resumption of work and production before and after the epidemic period, and increase credit extension to manufacturing and inclusive small and micro enterprises. The report shows that as of the end of the reporting period, China CITIC Bank’s small and micro enterprise loans were approved by the China Banking and Insurance Regulatory Commission. The balance was 691.825 billion yuan, an increase of 82.217 billion yuan from the end of the previous year. The number of customers with loan balances was 135,100, an increase of 16,700 from the end of the previous year. The balance of inclusive finance loans assessed by the China Banking and Insurance Regulatory Commission was 226.113 billion yuan, an increase of 21.858 billion from the end of the previous year. Yuan, the loan growth rate was 10.70%, which was about 5 percentage points higher than the growth rate of various loans.

In this regard, Wu Jun, general manager of the Inclusive Finance Department of China CITIC Bank, said that in the first half of 2020, inclusive finance showed good development in terms of scale growth, increase in the number of accounts, cost reduction, and excellent quality. Not only that, for companies that have temporarily encountered difficulties due to the epidemic, China CITIC Bank has also provided a phased extension of principal and interest repayment arrangements and implemented fee reductions and exemptions, thereby trying to ease the financial pressure on companies, especially small, medium and micro enterprises, to repay principal and interest during the year.

In addition, CITIC Bank has also established inclusive finance departments in 20 key branches, and has established and prepared 6 small and micro branches. An inclusive finance “cloud business hall” with more than 1,000 people online. Moreover, in terms of inclusive financial services, CITIC Bank has also defined the inclusive financial business model of “online, professional, intensive and intelligent”, and continues to optimize “chain finance” products and develop “logistics e-loans, banking Fully online credit loan products such as Tax E-Loan and Customs E-Loan have fully improved China CITIC Bank’s mobile, open and inclusive service capabilities.

In this regard, China CITIC Bank stated that it will continue to conscientiously implement the important arrangements of the Party Central Committee and the State Council on serving the real economy, supporting small and micro enterprises and developing inclusive finance, and actively implement the regulatory policy requirements of the People's Bank of China and the China Banking and Insurance Regulatory Commission, adhering to the principle of "having feelings and having a The development concept of "mission, warmth and benevolence", focusing on the "six stability" work and the "six guarantees" tasks, giving full play to the characteristic advantages of "party building + inclusiveness", making every effort to overcome the impact of the new crown epidemic, and following the principles of marketization and legalization, first-hand Focusing on business development and risk prevention and control, we strive to create a "value-based inclusive" system and promote the high-quality development of financial services for small and micro enterprises through a series of "warm" financial support.

Increase provisioning efforts to thicken the "safety cushion" and continue to optimize the credit structure

On August 14, 2020, Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, pointed out in an exclusive interview with the media that "the epidemic is still There is great uncertainty, and the resulting financial risks also have a certain time lag. It is expected that the risk of a considerable amount of loans will be delayed." It also requires financial institutions to increase provision withdrawals in advance to improve future risk resistance. Against this background, China CITIC Bank has actively cooperated with the implementation of policies by the state and regulatory authorities, and increased its efforts to transfer profits to the real economy and withdraw provisions, further enhancing its ability to respond to risks in the future and thickening its "safety cushion". According to the report released by China CITIC Bank The 2020 semi-annual report shows that as of the end of the reporting period, its non-performing loan balance was 77.287 billion yuan, the non-performing loan rate was 1.83%, the provision coverage rate was 175.72%, an increase of 0.47 percentage points from the end of the previous year, and the loan provision rate was 3.22%, which was 3.22% from the end of the previous year. increased by 0.32 percentage points. In this regard, Hu Gang, vice president and risk director of China CITIC Bank, said at the performance conference, "The epidemic still has an impact on the asset quality of our bank. The non-performing rate has increased, but the extent is limited. Although the number of problem loans has increased, , but it showed a downward trend compared with the first quarter, and our new non-performing corporate loans in the first half of the year dropped by 30% compared with the same period last year. Therefore, the overall impact of the epidemic on our bank is relatively small, and the asset quality is relatively stable."

Not only that, Hu Gang also said that in terms of corporate loans, CITIC Bank mainly tilted towards industries and regions with better risk and return, reducing the risk of customer concentration, and in the first half of the year, it mainly invested in industries and regions with better risk and return. Water conservancy, environment and other aspects, as well as leasing and business service industries. According to the report, as of the end of the reporting period, the leasing and commercial services industries, water conservancy, environment and public facilities management industries ranked top two in CITIC Bank's loans, with loan balances of 396.698 billion yuan and 329.375 billion yuan respectively, accounting for 34.76% of the company's loans in total. %, an increase of 2.97 percentage points from the end of the previous year. The balance of manufacturing loans was 300.467 billion yuan, an increase of 1.20 percentage points from the end of the previous year. In terms of growth rate, the water conservancy, environment and public facilities management industry, manufacturing, leasing and commercial services Industry, the production and supply industry of electricity, gas and water grew relatively fast, with an increase of 22.47%, 16.61%, and 16.61% respectively compared with the end of the previous year.12.46% and 11.28%, both higher than the average growth rate of corporate loans. At the same time, it is understood that nearly half of CITIC Bank's retail loans are housing mortgage loans, and the overall asset quality is performing well. Even if the credit card business is affected, it has improved compared with the first quarter. In addition, from a regional perspective, it is well known that the accommodation, catering, tourism and entertainment, and transportation industries in Hubei have been relatively severely affected by the epidemic. However, the report shows that the proportion of the loan balance of these three industries in CITIC Bank Wuhan Branch is not High, among which high-quality customers account for 76%, and large enterprises account for 50%, so the overall impact is relatively small. With the continuous optimization of credit structure, CITIC Bank's asset quality has been further protected.

Fintech’s comprehensive empowerment of the three major businesses shows a trend of “keeping pace”

Affected by the epidemic in the first half of 2020, CITIC Bank improved its risk resistance on the one hand, and also We are actively seizing various business development opportunities through digital transformation. It is understood that CITIC Bank has achieved rapid development in various aspects such as the construction of core technological capabilities, technological anti-epidemic, new technology application, and organizational agile transformation. It has not only successfully put into production the first domestic core business system based on a fully autonomous distributed database, It also relied on "CITIC Brain" to build an artificial intelligence model center and an artificial intelligence efficiency center, and quickly launched nearly 200 AI application models, doubling the number compared with the whole year of 2019. Currently, its AI technology has successfully left the laboratory and become a CITIC Bank important productivity for transformation and development. Not only that, CITIC Bank’s blockchain technology research and development and application also continue to maintain the leading level in the industry. Currently, a new model of blockchain application in Xiongan has been formed, and multiple breakthroughs and applications have been achieved in multiple scenarios. In addition, China CITIC Bank's technologically agile organizational transformation has also achieved initial results. Currently, the operational processes, mechanisms and working models of the head office's 33 direct counterpart businesses in R&D areas have taken initial shape. Front-line branch and branch marketing customer response support rates, value-added service product reservation responses The rates reached 100%.

Based on this, CITIC Bank continues to make efforts in channel construction, intelligent applications, scenario expansion, payment innovation and inclusive financial services. In terms of digital channels, CITIC Bank accelerated the promotion of the "zero-contact" business model during the epidemic period, promoted the transformation of retail banking business into an online and intelligent direction, and successively launched online dual-entry sales of private banking products, mobile banking chat, etc. online services; in terms of intelligent applications, CITIC Bank has also increased its efforts in digital management of long-tail customers and built a long-tail customer tag factory. Currently, there are more than 1,000 online customer tags. At the same time, it also uses new smart customer touch methods to enhance customer service. In order to improve customer reach and conversion efficiency, the report shows that in the first half of 2020, CITIC Bank achieved more than 142 million customer contacts through intelligent recommendations, and its online marketing customer group financial management sales reached 155.097 billion yuan; in terms of ecological scenario expansion, CITIC Bank used open banking Technology has broadened service boundaries and now has electronic accounts,It has the ability to export 24 products and services such as Xinjinbao and Party Dues Pass, and has cooperated with more than 100 external leading platforms to build an ecology for many scenarios such as health, going abroad, and party building, achieving the goal of providing customers with a comprehensive "financial + non-financial" services; in terms of payment innovation, CITIC Bank has continued to innovate product functions such as e-Butler, CNCBI Zhihui, Quanpaytong, and cloud ordering, which has greatly boosted the growth of deposits and customers.

With the help of the new model of digital transformation and the comprehensive empowerment of financial technology, various businesses of CITIC Bank have also received strong support and achieved rapid development. In terms of corporate banking business, China CITIC Bank's revenue in the first half of 2020 reached 44.193 billion yuan, accounting for 45.2% of net operating income; in terms of retail business, the bank focused on promoting the three major businesses of assets, wealth management, and payment and settlement, with the help of large-scale Using data and precision marketing technology, we actively innovate mobile channels and platform customer acquisition models, continuously improve customer operations and service experience, and achieve sustained and rapid growth in performance. The report shows that in the first half of 2020, CITIC Bank’s retail banking business achieved net operating income of 37.649 billion. Yuan, a year-on-year increase of 15.94%, accounting for 38.51% of net operating income; in terms of financial market business, CITIC Bank has achieved a good start, continuously improving profitability, light development capabilities and differentiated competitiveness. The report shows that its financial Market business achieved revenue of 13.943 billion yuan during the reporting period, a year-on-year increase of 44.77%, accounting for 14.26% of net operating income. It can be seen that CITIC Bank has formed a corporate bank as the main body, with retail banks and financial markets as two wings. business structure, and is gradually developing in a balanced direction of "three driving forces".

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