商业银行现在也必须将贷款存入提存账户而不是直接放给开发商，只有在商品房建设到了一定阶段才予以放款。
Banks now have to put money into an escrow account instead of lending directly to developers. The cash is paid out when construction reaches certain milestones.
在房地产开发企业向商业银行申请贷款时，由于信息的不对称而产生了两者之间的不完全信息静态博弈。
When real estate development companies apply for loans from commercial Banks, it is an incomplete information static game between the two parties due to asymmetric information.
但目前商业银行开发贷款不良比率呈上升的趋势，这不仅关系到银行整体资产质量的好坏，还直接影响到房地产整个行业的发展势头。
Such a worse trend not only influences the whole asset quality of the bank, but also influences the development of the whole Real Estate directly.
这带来了商业开发商的拖欠贷款还款和违约。
That has brought delinquent loan payments and defaults by commercial developers.
房地产业的飞速发展使房地产开发资金过多依赖于银行贷款，商业银行承受了房地产市场运行中各个环节的市场风险和信用风险。
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.
房地产业的飞速发展使房地产开发资金过多依赖于银行贷款，商业银行承受了房地产市场运行中各个环节的市场风险和信用风险。
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.
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