房地产是一项资金投入较高的经营活动,不仅运行周期长,而且规模大。中国的房地产融资体系中,以银行贷款为主,但是近些年来房价上涨与人民的收入水平严重脱离,使得房地产价格成持续性上涨趋势,随着金融风险的出现,房价下调,就会导致房地产业的潜在风险。本论文针对房地产开发贷款的风险进行分析,具有针对性地提出必要的防范措施。 Real estate is a high capital investment management activities, not only long-running cycle, but also large-scale. China’s real estate financing system, mainly to bank loans, but housing prices in recent years and people’s income levels from a serious departure from the rising real estate prices into a continuous upward trend with the financial risks, housing prices, it will lead to real estate Potential business risk. This paper analyzes the risk of real estate development loans, with the necessary to put forward the necessary preventive measures.