近几年来,中行基层分支行按照总行、省分行的战略部署,适应市场和客户的需求,大力发展零售贷款业务,在传统的存单质押贷款的基础上,先后推出了住房、汽车消费贷款、二手房按揭、个人投资经营贷款、助学贷款等一系列具有明显优势的零售贷款产品,零售贷款呈现出良好的发展态势。 In recent years, in accordance with the strategic deployment of the head office and provincial branches, the grassroots branches of the Bank have made great efforts to develop the retail loan business. On the basis of the traditional deposit-taking pledge loans, the Bank has successively launched the housing and automobile consumer loans, Mortgage loans, personal investment loans, student loans and a series of obvious advantages of retail loan products, retail loans showed a good momentum of development.