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Industrial and Commercial Bank of China Limited
中國工商銀行（ICBC）
> Net income from cont. operations: $42.7 billion
來自持續經營項目的凈收入：427億美元
> Country: China
國家：中國
> Industry: Diversified banks
類別：多元化銀行
> Revenue: $89.4 billion
收益：894億美元
The Industrial and Commercial Bank of China is the world’s most profitable company, with a net income from continuing operations of more than $42.7 billion last year. However, the profitability of the bank is somewhat dependent on government policy. Notably, in 2010, ICBC marketed a trust product, called "2010 China Credit / Credit Equals Gold #1." The product was not explicitly guaranteed by the bank.
中國工商銀行是全球收益最為豐厚的企業，去年來自持續經營項目的收益超過了427億美元。但該銀行的收益主要依靠政府政策。尤其是在2010年，ICBC向市場推出了一個叫“2010中國信用卡/誠致金開1號”的信托產品，而實際上該產品并未得到銀行擔保。
However, after considerable government pressure, the company lent money to an asset manager to bail out customers from the product. Concerns about such shadow financing have been building in China for a long time. While ICBC is massive, with continued growth in assets, it has substantial exposure to such potentially risky products. These products, under certain scenarios, could weigh heavily on profits in the future.
但由于政府的大力施壓，ICBC不得不最后自掏腰包借錢給資產管理人幫助該信用卡持有人擺脫信用危機。雖然長期以來在中國人們對此種影子金融的擔憂從未停止過，但ICBC作為資產持續增長的大型企業，發行此種存在潛在風險的產品的幾率仍然很大。
