In recent years, the rapid enlargement of real estate loan of commercial banks in China is stronger and stronger . Currently,the p remise for supporting rap id growth of real estate is gradually disappearing, the objective basis of rap id enlargement of real estate loan by depending on commercial banks is not existent . To accord with the changingmarket environment, the expanding real estate loan business of commercial banks in up - cycle must sl ow down . The risk control consci ousness should penetrate the whole p rocess of real estate loan business