珠海市分行以个人住房贷款为龙头，大力拓展住房信贷业务，有效地调整了信贷结构，提高了经营效益，一举实现了扭亏为盈的经营目标。1998年初我行开始试办个人住房贷款业务，当时由于以前的贷款几乎都投向了企业的流动资金，而这些贷款实际上并不“流动”，贷款效益不高，信贷 Zhuhai Branch to individual housing loans as a leader, to vigorously develop the housing credit business, effectively adjusting the credit structure and improve operating efficiency, in one fell swoop to achieve the business goal of turning losses into profits. At the beginning of 1998, our bank started to test the personal housing loan business. At that time, almost all of the previous loans were invested in the liquidity of the enterprises. These loans actually did not “flow” and the loan was not profitable. Credit