There is a rising trend of the loans balance in Guizhou province year by year，and the proportion of it in the province loans balance is basicly to keep the level of around 20%，the real estate credit business has became an important strategic business for the financial institutions. From a structural view，real estate loans were made up of real estate development loans and house-purchase loans. In recent years，the proportion of real estate development loans and house-purchase loans in the loans balance are respectively 30% and 70%.