结合我国房地产市场的现状，分析了信贷调整对其造成的主要影响，在此基础上，提出了房地产企业增强竞争力及抗风险能力的几点建议。最后，强调信贷调整在使企业面临巨大压力的同时。对真正有实力的房地产企业来说却是个减少竞争对手、扩张规模的大好机遇，房地产企业应抓住机遇，迎接挑战，把企业做大做强。

In conjunction with the current situation of the real estate market in China, the main influence caused by the credit and loan adjustment policy is analyzed. On this basis, it has proposed some suggestions on how to strengthen the competitiveness and ability to resist risk of the real estate enterprise. At the end, it is emphasized, that the credit and loan adjustment policy not only makes the enterprise under enormous pressure, but provides a great opportunity of reducing rivals and expanding its own scale to those really powerful real estate enterprises. The real estate enterprise should seize this opportunity to meet the challenge to expand and strengthen itself.

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