appraisal of real estate， including identification of risk models and risk assessment model， and give quantitative analysis of the risks.The fifth part is empirical research ， as mortgage appraisal of real estate of Jinan City for actual demonstration.Theproblems are brought foreword.The approaches of eluding risks are analyzed on the two views of assessment and financial institutions.The sixth part based on the conclusion of the above ， gives the construction framework of risks prevention sys
