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中国工商银行认真贯彻国家促进消费、扩大内需政策 ,把发展消费信贷业务作为开拓信贷市场、优化信贷结构的战略措施 ,根据居民的消费需求不断开发新的消费信贷品种 ,形成了由个人住房贷款、汽车贷款、大额耐用消费品贷款、小额质押贷款、国家助学贷款、银行贷记卡等主要品种组
ICBC earnestly implemented the national policy of promoting consumption and expanding domestic demand, took the development of consumer credit business as a strategic measure to explore the credit market and optimize the credit structure, and continuously developed new consumer credit varieties according to residents’ consumption needs. ICBC formed a series of measures including personal housing loans, Auto loans, loans for large consumer durables, small pledged loans, state student loans, bank credit card and other major varieties