Tall man. ICBC has many loan products for small and micro enterprises, including credit loans and mortgage loans. The interest rate is relatively low, the procedures are simple and the loans are fast, so the pass rate is still relatively high. The full name of China Industrial and Commercial Bank is China Industrial and Commercial Bank. It is a large commercial bank managed by the central government, which belongs to the category of state-owned banks and plays an important role in China's economic construction.