摘要：房地产行业在如今的经济时代已经成为了一种风向标，从房地产行业的发展状况可以大致观察一国的经济发展水平。在城市化的过程中，房地产行业推动了中国的GDP的飞速增长。房地产行业已经是我国经济的支柱产业，对国民经济的发展壮大起了重要的拉动作用。从房地产整个行业运行层面来看其影响面甚广。房地产行业涉及钢铁行业、房产物业行业、广告业、金融业等。对于这些行业来说，房地产行业的兴衰直接影响了这些行业的盈利水平。在房地产行业的发展过程中其规模的大小主要取决于资金量的多少。如今，对于房地产行业来说，其主要的资金来源于银行。银行业通过房地产信贷收获了巨额利润的同时也必须承担房地产信贷的风险。因此两者是相互独立又相互依存的关系。本文主要论述房地产行业与银行业如何防范与减少各自的风险从而达到双赢的局面。

关键词：银行房地产信贷  风险管理  信贷防范措施

Abstract: The real estate industry in today's economic times have become a benchmark, from the development of the real estate industry can be broadly observed level of economic development of a country. In the process of urbanization, the real estate industry to promote the rapid growth of China 's GDP. The real estate industry has been the pillar industry of China's economy. It plays an important role in driving the development and expansion of the national economy, The real estate industry as a whole perspective of its impact was running wide. Involved in the steel industry, real estate industry, real estate property industry, the advertising industry, the financial industry. For these industries, the rise and fall of the real estate industry directly affect the profitability of these industries. In the process of development in the real estate industry depends largely on the scale of money. Now, for the real estate industry, the main funding comes from banks. Real estate credit by the banking sector reaped huge profits must also bear the real estate credit risk. So the two are mutually independent and interdependent relationships. This article discusses how to prevent the real estate industry and the banking industry and reduce their risk so as to achieve a win-win situation.

Key words: the real estate credit  risk management  credit measures