Real estate loan has become one of the important assets of banks, and its loan quality will have a far-reaching impact on the income and risk of the banking industry. Focusing on indirect bank financing, the financing risk of China's domestic real estate market is excessively concentrated in the banking system. Taking Jinyang New District of Guiyang as an example, the real estate market is overheated and the house price has increased greatly, which will inevitably lead to a certain degree of risk. Excess liquidity has accumulated more and more real estate bubbles, and operational risks like "fake mortgage" can be seen everywhere. In addition, the continuous rise of bank interest rates from 2006 to 2007 increased the pressure on consumers' monthly payment, and also increased the risk of personal default. With the impact of this year's financial crisis and the continuous interest rate cuts by the central bank, the real estate market in Jinyang area is improving, but the uncertain impact brought by the crisis is still not optimistic. We should take active measures to curb loan impulse, standardize loan behavior, improve internal control, strengthen external supervision, and disperse bank risks through financial innovation.

Keywords: Jinyang New District; Real estate market; Housing mortgage loan; Risk prevention; financial innovation