Secondly , from the bank ’ s angle , i try to find some ways to avoid and control the risks derived from the fluctuation of real estate industry by the bank ’ s reform and innovation . this paper follows these clues with questions below : ( 1 ) what ’ s role do banks play in the real estate price formation ? ( 2 ) what determinants do the real estate loans depend on 本文试图从“房地产信贷风险如何形成”这一问题出发,结合国外对于房地产泡沫理论的研究,分析房地产市场、银行信贷市场、监管者以及消费者等各参与方的行为,试图找出银行在发放房地产贷款过程中导致信贷风险积累的环节,并从银行角度分析,如何通过自身的变革和创新规避和控制风险。
