In the current of real estate commodity and nummular , study the risk of real estate finance and fence with risk , will be very import to the development of the real estate finance in 21 century 在房地产商品化、货币化的大趋势之下,研究房地产金融投资的风险及防范,对进入21世纪房地产金融的发展是极其必要的。