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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针对目前学术界尚缺乏声誉、信息以及挤兑羊群行为文献综述的现状，论文总结和评述了这三类羊群行为的相关文献。

Because there are still no literate reviews of reputational herding, informational herding, and running herding, literates about these three kinds of herding are summarized in my paper.

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在此基础上尝试将商业银行羊群行为分为三类即：商业银行声誉、信息以及挤兑羊群行为。

Herd behaviors in our commercial Banks are classified as follow: reputational herding, informational herding, and running herding.

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