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主要商业银行中长期贷款投向的前五位行业分析从主要商业银行中长期贷款前五位行业的分布情况看,房地产业属于各金融机构竞相放贷的热点,其贷款所占份额及同比增速在各行业中居于第一、二位。例如,2006年第一季度,国有商业银行、股份制商业银行、城市商业银行的中长期房地产业贷款同比增速分别为29．3％、30．9％和40．9％。由此可见, 房地产业贷款投向的行业集中度偏高,行业信贷风险较高,特别是在当前房地产价格一路飙升,房地产业宏观调控开始实施的背景
Analysis of the Top 5 Industries in Which Long-term Loans are Leaded by Major Commercial Banks From the distribution of the top 5 long-term and medium-term loans of major commercial banks, the real estate industry is a hot spot for lending by various financial institutions. The share of loans and its year-on-year growth The industry in the first and second place. For example, in the first quarter of 2006, medium and long-term real estate loans of state-owned commercial banks, joint-stock commercial banks and city commercial banks grew by 29.3%, 30.9% and 40.9% respectively. This shows that the real estate industry loans to invest in high concentration industries, industry credit risk is high, especially in the current soaring real estate prices, real estate macro-control began to implement the background