中文：

中国工商银行是一家大型商业银行，信贷业务是其主营业务之一。工行在市场上推出了多种信贷产品，以满足不同客户的需求。

首先，工行最知名的信贷产品是“个人住房按揭贷款”。这种贷款产品允许借款人以所购房屋为抵押，向银行申请贷款。借款人可以根据自己的实际情况选择还款期限和还款方式，以更好地规划自己的财务状况。此外，工行还推出了“个人商用房按揭贷款”，用于购买商用房。

除了住房按揭贷款，工行还提供“个人消费贷款”和“个人经营贷款”。个人消费贷款可用于购买大件商品、装修、旅游等消费用途；个人经营贷款则可用于个体工商户、小微企业的经营资金周转。这些贷款产品均以信用方式为主，无需提供抵押物，方便快捷。

此外，工行还针对不同的客户群体推出了多种特色信贷产品，如“公积金贷款”、“保单质押贷款”、“网贷通”等。这些产品具有灵活性和便利性，能够满足不同客户的需求。

英文：

ICBC is a large commercial bank, and credit business is one of its main businesses. The bank has launched multiple credit products in the market to meet the needs of different customers.

Firstly, the most well-known credit product of ICBC is "individual housing mortgage loan". This loan product allows borrowers to use the purchased house as collateral to apply for a loan from the bank. Borrowers can choose the repayment term and repayment method according to their actual situation to better plan their financial situation. In addition, ICBC also offers "individual commercial housing mortgage loans" for purchasing commercial housing.

Apart from housing mortgage loans, ICBC also provides "individual consumer loans" and "individual business loans". Individual consumer loans can be used for large-ticket item purchases, renovations, travel and other consumption purposes; individual business loans can be used for the working capital of self-employed individuals and small and micro-enterprises. These loan products are mainly based on credit methods, without requiring any collateral, and are convenient and fast.

In addition, ICBC has launched multiple special credit products for different customer groups, such as "provident fund loans", "insurance policy pledge loans", "online loan services" and more. These products are flexible and convenient and can meet the needs of different customers.