近几年,“房地产”热已经席卷了全国。然而,纵观近、现代中国和外国房地产业的形成和发展历史,作为国民经济一大支柱的房地产业无法离开金融业的支持,因此,也就产生了房地产金融业以及作为金融市场重要组成部分的房地产金融市场。在我国专业银行向商业性银行转化的过程中,伴随着对银行资产负债管理及风险管理要求的提高,银行房地产信贷业务的开拓已成为十分现实的问题,应提倡并规范发展。 一、银行开展房地产抵押贷款业务的社会经济意义 房地产抵押贷款是以房地产产权作为抵押条件,从房地产金融机构获得长期贷款。在国外,这项贷款已成为金融活动中 In recent years, “real estate” heat has swept across the country. However, looking at the recent history of the formation and development of modern Chinese and foreign real estate, the real estate industry, a pillar of the national economy, can not leave the support of the financial industry. Therefore, real estate finance industry and an important part of the financial market Real estate financial market. In the course of the transformation of our country’s specialized banks to commercial banks, along with the enhancement of the requirements on asset and liability management and risk management of banks, the development of the bank’s real estate credit business has become a very real issue. We should promote and standardize the development. First, the bank to carry out the real estate mortgage loan business of socio-economic significance Real estate mortgage loans is the real estate property rights as collateral conditions, from the real estate financial institutions to obtain long-term loans. Abroad, the loan has become a financial activity