从宏观层面、产业层面和银行管理层面等多维视角,基于防范金融风险、控制房价上涨和加强信贷管理等房地产信贷的多重目标,对我国商业银行过度发放贷款、以流动资金名义发放贷款、项目管理缺位等房地产开发信贷行为变异现象及原因进行了分析,并对解决上述问题的策略研究进行了提示。 From the perspectives of macro level, industry level and bank management level, based on the multiple objectives of preventing financial risks, controlling rising house prices and strengthening real estate credit such as credit management, the Bank over-lends loans to China’s commercial banks and issues loans in the name of working capital. The project management Vacancies and other real estate development credit behavior variation and the reasons were analyzed, and to solve the above problems strategy research tips.