随着国民经济的发展和居民生活水平的提高，特别是我国加入WTO以后，汽车进入家庭的步伐进一步加快，个人汽车消费贷款增长迅速。为提高个人消费信贷业务的竞争能力和市场地位，工商银行宁夏区分行针对当前汽车消费贷款领域竞争日趋激烈的形势，推出大力发展个人汽车消费贷款业 With the development of the national economy and the improvement of living standards of residents, especially after China’s accession to the WTO, the pace of its entry into the home market has further accelerated. The consumption of personal consumer loans has grown rapidly. In order to enhance the competitiveness and market position of personal consumer credit business, ICBC Ningxia Branch launched a plan to vigorously develop personal auto loan industry in light of the increasingly fierce competition in the field of automobile consumer loans.