Abstract:Real estate loan has become one of the important bank assets, whose loan quality will make an deep impact on the earnings and risk conditions of banking industry. Centered on the indirect banking finance, our domestic real estate market financing risks are excessively concentrated on the banking system. Let's take Jinyang New Area of Guiyang for example, the real estate market is overheated with a relatively great housing price rise,which will inevitably causes a certain degree of risks.Liquidity surplus accumulate increasingly more real estate bubble, and Operational risks like "Fake Mortgage" can be found everywhere. Moreover, the continuous bank interest rises between 2006 and 2007 boost more monthly payment pressure toward consumers and meanwhile raise the personal defaulty risks. With the influence of financial crisis of this year and the continuous interest reduction of central bank,the real estate market of Jinyang Area is turning for the better, but the uncertain affactions the crisis brings to us are still not optimistic. It's time for us to take active measures to restrain loan impulsivity,regulate loan activities, complete internal control, strengthen external inspection and at the same time to disperse banking risk through financial innovation.Key words: Jinyang New Area; Real Estate Market;Housing Mortgage Loan; Risk Precaution; Financial Innovation