商业银行涉足个人住房信贷市场 ,是市场经济发展的必然需要 ,也是商业银行自身调整信贷资产结构的一种主动选择。上海市分行过去的一年中 ,在个人住房信贷这个领域艰难起步 ,长足发展 ,留下一连串值得思考的轨迹。发　　展自 1 998年 8月到 1 999年 9月 ,上海市分行个人住房信 The involvement of commercial banks in the personal housing credit market is an inevitable requirement for the development of market economy and an initiative of commercial banks to adjust their own credit asset structure. In the past year, the branch in Shanghai Municipality has made a difficult start in this area of ​​personal housing credit and has made great strides in development, leaving behind a series of well-thought-out tracks. Development from August 1998 to September 1999, Shanghai Branch personal housing letter