主持人的话：住房信贷为全行调整信贷结构、降低不良资产率、提高经济效益发挥了积极作用。按照总行党委加快住房信贷业务发展的要求，各级行进行了积极的探索与实践，创造了不少好的经验做法，这里我们约请部分分行和有关专业人士，就住房信贷问题从不同方面谈一些体会和看法 Moderator: Housing Credit for the entire bank to adjust credit structure, reduce non-performing asset ratio, improve economic efficiency has played an active role. In accordance with the requirements of the Party Committee of the State Council to speed up the development of housing credit business, all levels have conducted active exploration and practice and have created quite a lot of good practices. We hereby invite some branches and relevant professionals to discuss some aspects of housing credit from different aspects Experience and opinion