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为了扩大内需，刺激经济增长，加快城镇住宅建设步伐，中国人民银行在扩大货币供应量、启动投资需求的同时，１９９８年确定全年发放住房贷款１０００亿元的额度，并修订颁布《个人住房贷款管理办法》。但从一段时期的实际执行情况看，个人住房贷款业务开展并不理想。以驻马店
In order to expand domestic demand, stimulate economic growth and accelerate the pace of housing construction in urban areas, the PBC, while expanding its money supply and starting investment demand, decided in 1998 to issue 100 billion yuan of housing loans for the year and revised and promulgated the “Individual Housing Loan Management approach. ” However, from the actual implementation of the period of view, the development of individual housing loans is not ideal. To Zhumadian