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党的十五大指出加快住房商品化、社会化,逐步建立适应市场经济体制和适合我国国情的城镇住房制度,促进住房建设和住房消费,使住宅业成为新的经济增长点,中国人民银行颁布实施《个人住房担保贷款管理试行办法》一
The 15th CPC National Congress pointed out that it is necessary to speed up the commercialization and socialization of housing and gradually establish urban housing system that is suitable for the market economy and suitable to China’s national conditions so as to promote housing construction and housing consumption so that housing industry will become a new economic growth point and the People’s Bank of China Implementation of “personal housing loan guarantee trial approach”