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在1988年第一次住房体制改革会议召开后,1991年住房信贷业务开始了起步,各项住房信贷政策出台。1991年建设银行、工商银行都成立了房地产信贷部,办理个人住房信贷业务,并制定职工住房抵押贷款管理办法。1995年8月,人民银行颁布了《商业银行自营住房
After the first conference on housing system reform was held in 1988, the housing credit business started in 1991 and various housing credit policies were introduced. In 1991, China Construction Bank and Industrial and Commercial Bank of China all set up the real estate credit department to handle individual housing credit business and formulate the housing mortgage loan management measures for employees. August 1995, PBC promulgated the "commercial bank self-owned housing