呵呵 老兄啊 直接整个一百 然后每追加也耀眼啊 哈哈Abstract:The real estate class loan has become a most important founds of a bank, its loan quality will have the profound influence to banking industry's profit and the risk condition. Our country real estate market financing by bank indirect financing primarily, the market risk concentrates excessively in the bank system, take the Guiyang Jinyang newly developed area for example, its real estate market superheat, the house price increase scope is big, has certain market risk; The fluidity too much accumulated the more and more many real estate froth; “False mortgage” and so on operation risk also wide range existences; Moreover, continues the interest on futures 2006 to 2007 to cause the home-buyer each month of payment pressure to increase causes individual violation risk rise, but in 2008 because loan crisis affect, the central bank reduces the interest rate continuously, although is advantageous in the jinyang newly developed area real estate market changes for the better, but this international financial crisis brings the indefinite influence is still should adopt the measure suppression credit impulse, the standard loan behavior; The perfect internal control, strengthens exterior supervising and managing; And uses the financial innovation dispersible bank risk. Key words: Jinyang newly developed area real estate market housing mortgage loan risk guard finance innovation