With the global economic crisis caused by American real estate credit crisis increasingly fierce, the research on preventing real estate credit risk receives the unprecedented attention.

Then the article re-analyses the factors which is affecting our real estate credit based on the curve coupled with a series of macroeconomic adjustment policies in the land, and financial.

The development in real estate make it a fact that the real estate fund depends too much on the bank credit. The commercial bank runs the risks of markets and credits in every link.