据不完全统计 ,截至今年６月底 ,我国个人消费贷款余额突破２５００亿元。近两年来 ,商业银行个人住房贷款增长速度明显加快。截至１９９９年末 ,４家国有独资商业银行个人住房贷款余额为１２６０亿元 ,比年初增加７４６亿元 ,同比多增加４４８亿元 ;个人住房贷款占各项贷款余 According to incomplete statistics, as of the end of June this year, the balance of personal consumer loans in China exceeded 250 billion yuan. In the past two years, the growth rate of personal home loans of commercial banks has obviously accelerated. As of the end of 1999, the balance of personal housing loans of the four wholly state-owned commercial banks was 126 billion yuan, an increase of 74.6 billion yuan over the beginning of the year and 44.8 billion yuan more than the figure in the previous year. Individual housing loans accounted for more than one loan