一、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起步,各项住房信贷政策出台。1991年,建设银行、工商银行均成立了房地产信贷部,办理个人住房信贷业务,并制订了职工住房抵押贷款管理办法。 二、由于住房体制改革进展较慢,并在1992年出现了房地产热,1993年开 First, after the first meeting of housing system reform was held in 1988, the housing credit business started in 1991 and various housing credit policies were introduced. In 1991, the Construction Bank and Industrial and Commercial Bank of China all set up the real estate credit department to handle individual housing credit business and formulated the housing mortgage loan management measures for employees. Second, due to the slow progress of the reform of the housing system and the emergence of real estate fever in 1992, the year 1993 opened