房地产业是我国经济重点扶持发展的产业，也是商业银行业务发展的重点。本文试图从入世对房地产业的影响入手，进行分析，从而提出工商银行的应对措施。一、入世后我国房地产业受到的影响一是土地使用权出让方式的变化。我国土地使用权出让方式不透明，除个别城市外，大多数属 Real estate industry is the key industry in China’s economic development, but also the focus of commercial bank business development. This article attempts to start from the impact of WTO accession to the real estate industry, to analyze, thus proposed ICBC’s response. First, after the accession to the WTO, China’s real estate industry is affected First, the transfer of land use rights changes. China’s land use right transfer mode is not transparent, with the exception of individual cities, most of the genus