一、商业银行房地产贷款风险产生的原因分析1.部分商业银行和其他金融机构存在经营行为不理性和不规范问题。由于商业银行普遍把房地产信贷作为一种“优良资产”大力发展,在经营业务时容易产生急功近利、放松信贷条件的倾向。例如,在发放房地产贷款过程中,为了竞争客户,有的商 First, the commercial bank real estate loan risk analysis 1. Some commercial banks and other financial institutions there is irrationality and non-standard operating issues. As commercial banks generally develop real estate credit as an “excellent asset,” they tend to have quick success and ease credit conditions while operating their businesses. For example, in the process of issuing real estate loans, in order to compete with customers, some business