我国个人住房抵押贷款保险地研究.pdfVIP

我国个人住房抵押贷款保险的研究 摘要 近几年来，随着我国经济保持良好快速地发展，人们的生活水平得到显著 地提高。住房作为人们生活发展必须的生活资料，无疑成为当代国民的消费的 新热点。个人住房抵押贷款作为解决个人住房问题,启动住房消费的有效途径 之一,呈现出蓬勃发展之势,但我们也应看到随着住房抵押贷款业务逐年增加， 同时其风险也逐步增大。因此，发展住房抵押贷款保险，并完善住房抵押贷款 保险体系，是化解住房抵押贷款风险、促进住房消费热潮形成的必然选择。 但是由于我国住房抵押贷款保险开办的时间太短,住宅金融体系尚不完善, 加之各地做法不一,观念上和实践上均有诸多误区等,使这一具有巨大潜力和社 会效益的险种未能得到有效开发,在一定程度上制约了房地产业和保险业的发 展，对我国的住房抵押贷款保险制度进行改革势在必行。 本论文针对我国个人住房抵押贷款保险系统的现状，通过分析其存在的问 题及借鉴国外成功经验，提出相应的对策，试图探索如何构建以符合我国国情 为宗旨的住房抵押贷款保险体系，力争达到银行、保险公司和购房者三赢的结 果。以实现个人住房抵押贷款保险在我国住房金融领域以及整个经济社会中的 重要意义。 【关键词】个人住房抵押贷款保险 我国个人住房抵押贷款保险的现状 对策 个人信用制度 - 3 - 我国个人住房抵押贷款保险的研究 Abstract In recent years, with the rapid and favorable development of Chinas maintained economy, peoples living standard has been improved significantly. As the necessary subsistence of peoples lives and development , the housing has undoubtedly become the contemporary nationals new-hot spots of consumption. Personal housing mortgage loans ,as a effective solution to the problem of individual housing and starting the housing consumption, showing a booming trend, while with the housing mortgage loan business increases every year,we should also see its risks are increasing gradually. Therefore, advancing the situation of housing mortgage loan insurance and improving the system of housing mortgage loan insurance,is the inevitable choice of resolving the risks and promoting the ho using-consumption boom . However, because of our country’s residential mortgage loan insurance is running too short , the housing financial system is not so perfect, in addition , the practices in different parts are different, there are many errors both conceptually and prac