根据我国城镇居民住房制度改革不断深入,国家终结福利分房推行职工住房货币化政策,使住房建设成为新的经济增长点的形势,中国银行也明确要对其传统授信业务进行改革,成立专门的房地产信贷经营管理机构,积极开拓房地产授信业务的新品种和服务领域,从单一的传统性存贷款和结算业务转向综合性、多功能、全方位、现代化的银行业服务,更加充分地发挥其总分行、海内外行相结合的 According to the continuous deepening reform of China’s urban housing system, the state end housing welfare housing distribution policies to promote monetization of housing, housing construction has become a new economic growth point situation, the Bank of China also explicitly to its traditional credit business reform, the establishment of specialized The real estate credit management institution actively explored new varieties and service areas of real estate credit business and shifted from a single traditional loan deposit and settlement business to a comprehensive, versatile, all-round and modern banking service to give full play to its total assets Branch, both at home and abroad