通过对我国商业银行房地产贷款比率、房地产总产值贡献率、房地产不良贷款率的统计分析，表明我国商业银行信贷集中于房地产业之现象属声誉羊群行为。

By statistical analysis of the loans for real estate and the real estate load accounts for ratio of total load, it is manifested that there are reputational herdings in commercial banks of China.

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