房地产贷款业务是我国商业银行近年来发展的重点业务之一。由于受多方因素影响,该业务存在一系列值得关注的风险和问题。根据新时期房地产贷款的发展现状,审慎研究该业务拓展中的风险因素,提高银行的风险掌控力,已经成为打造“精品业务”、推动房地产信贷业务稳健发展的迫切需 Real estate loan business is one of the key businesses developed by commercial banks in China in recent years. Due to many factors, the business has a number of risks and issues worth noting. According to the development of real estate loans in the new era, careful study of the risk factors in the business expansion and improvement of the bank’s risk control have become an urgent need to create a “boutique business” and promote the steady development of the real estate credit business