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金融危机背景下我国房地产信贷面临的风险与对策 摘要 近年来，随着我国房地产行业的快速发展,为房地产行业发展提供资金的房地产信贷行业也呈现出了快速发展的态势，由于该行业融资形式较为单一，其资金来源主要依赖银行贷款，商业银行间接成为房地产风险的主要承担者。但是目前房地产行业已经出现了泡沫,房地产贷款余额越高银行对房地产信贷的依赖越大,泡沫破灭时遭受的损失也就越大。针对这样的经济现状突显了控制房地产信贷风险的紧迫性和必要性。本文在分析房地产信贷风险的基础上,提出了我国房地产信贷风险控制的措施。防范房地产信贷风险，不仅是房地产业和房地产金融业稳定和发展的要求，而且对整个金融业和国民经济的稳定和发展也至关重要。? 关键词?：房地产信贷；商业银行；风险对策 Risks and Countermeasures of China real estate credit under the background of financial crisis Abstract in recent years ,With the rapid development of Chinas real estate industry，Funded real estate credit industry for the development of the real estate industry is also showing a trend of rapid development, Because of the industry financing is relatively single, its main source of funding to rely on bank loans, Commercial banks indirectly become a major bear the real estate risk. However, the real estate industry has created a bubble, Once the bubble burst, Real estate prices, Commercial bank losses will be to get instant results. Real estate loans more banks depend on the real estate credit more, Suffer the bubble burst loss is greater. According to highlight the economic situation that the real estate credit risk control of the urgency and necessity. Based on the analysis of the real estate credit risk,Proposed our country real estate credit risk control measures. To prevent real estate credit risk,Not only is the stability and development of real estate and real estate finance requirements, And the stability and development of the entire financial industry and national economy is also important. key? words: Real estate credit ;merchant bank;The risk countermeasur目录 1．选题背景 1 2．我国房地产信贷的特点及现状分析 1 2.1房地产信贷及风险概述 1 2.2房地产信贷特点 1 2.2.1贷款使用上的专一性 2 2.2.2信贷周期时间长 2 2.2.3资金监管上的集中性 2 2.2.4以房产消费贷款和开发贷款为主 2 2.3金融危机背景下我国房地产信贷的现状分析 2 2.3.1安全性分析 2 2.3.2流动性分析 3 2.3.3盈利性分析 3 3．金融危机背景下我国房地产信贷存在的问题 3 3.1政府对房地产市场的宏观调控政策 3 3.2房地产开发商过分依赖商业银行信贷 4 3.3国际资本流动的影响 5 3.4我国房地产融资方式单一 5 3.5信贷风险预警体系不健全 5 4．金融危机背景下我国房地产信贷面临的主要风险 6 4.1房地产企业引发的信贷风险 6 4.2由借款人引发的风险 6 4.3房屋