For clarification, before paint, bodies get coated with a few coats of catalyze polyester resin that absorbs into the wood then sits proud. After the resin phase the bodies are are sanded perfectly flat then they get their base layer, sanded again, then their color layer, sanded again, then clear coat is applied.
Ignoring "vintage style" guitars and ... well vintage guitars; this process is done by most guitar manufacturers. This process allows them to use multi piece bodies, because it obfuscates paint lines that develop on cheaper makes. If you've seen an undamaged guitar but theres a visible "line" in the paint, this is because it doesnt have that base coat. That said, Im quite unsure why jem7vwh's have a veneer ...
The clear coat on basically all ibanez guitars is a catalyzed urethane. It dries VERY hard, so on guitars with softer finish that would get a "dent" in the finish; instead will chip out because of the increased brittleness. That said; the process used is ubiquitous in the industry, basically the only thing that changes from maker the maker is HOW the process is actually performed.
That said, these finishes are *usually* extremely durable. Its entirely possible yours is defective. If you bought it within the last year, you can contact ibanez for a replacement if thats a route you want to try.