我国经济的发展和人民生活水平的提高，使广大居民改善住房条件的愿望越来越迫切。工商银行的住房信贷业务，正是伴随着国家住房制度的改革，适应社会经济活动的客观需要而迅速发展起来的。特别是在北京，这几年城市建设的发展、主要道路的扩建、危旧房屋的改造，带动和促进了? The development of our economy and the improvement of people’s living standards have made the aspirations of the general public for improving housing conditions more and more urgent. The housing credit business of Industrial and Commercial Bank of China is rapidly developing with the reform of the national housing system and the objective needs of social and economic activities. Especially in Beijing, the development of urban construction, the expansion of major roads and the transformation of dilapidated buildings in the past few years have led and promoted?