【摘要】 银行业是经营货币资金的特殊行业 ,其经营特征决定了银行业的高风险性质 ,而房地产业在当前日益完善的市场和激烈的竞争中由于自身的特殊性也易于成为投机的对象 ,风险性也在逐渐增强 ,因此 ,商业银行房地产贷款风险的产生不仅具有普遍性 ,更具有特殊性 ,而且 ,风险一旦发生 ,危害将会非常严重。本文从银行业和房地产业的特殊性质及二者的特殊关系入手 ,运用虚拟资本理论深入分析了商业银行房地产贷款风险产生的本质原因 ,并结合客观实际 ,深入分析了房地产贷款风险对商业银行带来的危害更多还原

【Abstract】 Money is the center of bank’s running, so the risk of bank is very high. In the present more and more complete market and intense competition, the risk of real estate industry is becoming more and more because it possesses its own particularity so that it is easy to be speculated. Therefore, the risk causes have not only generalization but also particularity. In addition, the harm of real estate loan risk of commercial bank will be quite serious if it really breaks out. Through combining with the special nature and relation of bank and real estate industry and objective reality, using the unreal capital theory, the thesis thoroughly analyses the essence reasons and the harm of real estate loan risk of commercial bank.更多还原