商业银行房地产开发贷款风险分析

由于中国房地产企业融资方式有限，其开发资金大部分直接或者间接来自于商业银行，房地产开发贷款在全部金融机构贷款余额中的比重越来越大，并呈不断上升趋势，不良率高于行业平均水平，房地产市场所聚集的风险高度集中于商业银行，其风险不容忽视。基于此，本文通过对中国商业银行房地产开发贷款的风险现状进行分析，确定了房地产开发贷款风险评价指标体系，应用层次分析法对商业银行房地产开发贷款业务中隐含的各种风险进行了综合评价。

Real estate development loans risk analysis in commercial bank

The financing methods of real estate enterprises in our country are limited and most of their developing funds come from commercial banks directly or indirectly, therefore, in recent years the proportion of real estate development loans in all financial institutions' balance has become larger and shown a tendency of continuous rising, of which the bad ratio is above average in its industry. It makes the risk of the real estate market concentrate in the commercial banks, and its jeopardy cannot be ignored. In light of this, by analyzing the current risk of the real estate development loans of the commercial banks, the index system of the real estate development loan risks evaluation is designed. At last, using analytic hierarchy process to evaluate the cryptic risks in the real estate development loan business of the commercial banks.