中国人民银行发布的《个人住房担保贷款管理试行办法》，必将极大地推动各金融机构住房贷款业务的发展。笔者就此谈谈实践中的点滴做法、体会，希望对该业务的健康发展有所裨益。1．推行贷款介绍制度。实践中我们发现，住房贷款采用抵押、质押方式，风险度确实较低，但也不排除 Pilot Measures for the Administration of Personal Housing Guarantee Loans issued by the People’s Bank of China will surely greatly promote the development of housing loan businesses in various financial institutions. In this regard, I talk about the practice of bit by bit practices, experience, hope that the healthy development of the business benefit. 1. Introduce loan introduction system. In practice, we found that mortgage loans, mortgage pledges, the risk is indeed low, but it does not rule out