前言改革开放二十多年来,我国社会主义市场经济建设取得了举世瞩目的成就,人民生活水平不断提高,而关系到千家万户住房状况的房地产行业从无到有,经过近二十年的发展、壮大,己经成为国民经济建设中的支柱产业,在GDP总值中占据着重要的比例。房地产信贷业务也成为近年来国内商业银行重点开拓的市场领域之一。然而,由于受到内外环境等多种因素的影响,房地产信贷业务增长趋缓的态势明显,资产 Preface Since the reform and opening up for more than 20 years, China’s socialist market economy has made remarkable achievements and people’s living standards have been continuously improved. However, the real estate industry that affects the housing situation of every household has grown from nothing. After nearly 20 years of Development, growth, has become a pillar industry in the national economy, accounting for an important proportion of GDP. Real estate credit business has also become one of the key markets opened up by domestic commercial banks in recent years. However, due to the influence of various factors such as the internal and external environment, the growth of real estate credit business slowed down significantly. The assets