Disadvantages: long process, complex system, slow product innovation, difficult employment system, etc.
Generally speaking, there are still many advantages. ICBC has the following advantages:
First, ICBC's service concept is customer-centric.
ICBC's own business philosophy is unique-customer-centered and market-oriented. In the process of development, banks fully respect customers and strive to improve their service quality from the customer's point of view. At the same time, it also conforms to the market requirements and constantly expands new business.
Second, ICBC has many business outlets, covering a wide customer base.
ICBC has tens of thousands of outlets all over the country, covering most cities in the country. At present, ICBC has hundreds of millions of individual customers, and corporate customers are gradually expanding. Different from the customer screening strategy pursued by some banks, ICBC's service groups are very extensive, involving customers of multiple classes. We can objectively analyze the different needs of different customer groups, implement different policies and programs according to the situation of different customer groups, and customize the service types in all directions.
Third, ICBC has the absolute leading scientific and technological strength in China, which provides a reliable guarantee for high-quality financial services.
ICBC can rely on its leading scientific and technological strength to expand new service channels and provide diversified services to customers. At present, the service channels provided by ICBC to customers are: telephone service, network service, self-service terminal and other information service channels, which not only meet the needs of customers, but also extend the online time of banks.
Fourth, ICBC pays more attention to information collection.
ICBC not only pays attention to the current customer service, but also pays attention to fully sorting out customer information. ICBC has always attached great importance to customer feedback. Bank staff collect customer feedback, analyze the customer's financial needs through customer feedback, and launch a more satisfactory financial plan. At the same time, they will conduct self-reflection and self-improvement according to customer feedback.
Fifth, ICBC has a strong team foundation.
China Industrial and Commercial Bank has a large group of skilled employees, and attaches great importance to the daily training and assessment of employees, including industry skills training, business ability training and employee quality training. Maintain the professionalism of the team through training and assessment, and provide quality services to customers. At the same time, people are less mobile, more stable, more experienced, and have unique human resources as their own development advantages.