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【单选题】
个人住房贷款真正的快速发展，1998年住房制度改革以及中国人民银行（ ）的颁布为标志。A.
《贷款通则》
B.
《个人住房贷款管理办法》
C.
《茕车贷款管理办法》
D.
《中华人民共和国物权法》
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