20XX年住房抵押贷款保证保险合同研究.docVIP

PAGE 住房抵押贷款保证保险合同研究 摘 要 住房抵押贷款制度于20世纪90年代引入我国，它带来了房地产市场的飞速发展，但也暗藏着巨大的风险。“无风险，无保险”，与之相应的住房抵押贷款保险应运而生。目前我国只存在住房抵押贷款财产保险、住房抵押贷款人身保险和集住房抵押贷款财产保险和保证保险于一体的住房抵押贷款综合保险。本文仅就住房抵押贷款保证保险进行研究。矚慫润厲钐瘗睞枥庑赖賃軔朧碍鳝绢懣硯涛镕頃赎巯驂雞虯从躜鞯烧论雛办罴噓剥淚軔琿閔馐虯圓绅锾潴苏琺锅苁。 保证保险起源于信用发达的美国，随后在西欧不少国家和日本陆续开办。我国保险公司保证保险业务起步较晚，个人消费信用制度尚未健全，相关的立法又相对滞后。我国的履约保证保险合同无论是在理论研究方面，还是在保险实务和司法实践方面，均存在不足之处。在理论研究方面，研究者关注的焦点多集中在履约保证保险合同的含义和性质方面。在保险实务界，履约保证保险业务不仅发展的较为缓慢，而且存在管理松弛等弊端。在立法和司法实践方面，由于我国现行保险法欠缺对履约保证保险合同的规定，不同的法院可能会适用不同的法律处理同样的履约保证保险合同纠纷——针对上述现象，本文从住房履约保险这一具体险种出发，对合同的属性做出了定性，明确了合同的主从地位，并对合同的主体，客体和内容进行了详细的阐述，并对理论和事务界常见问题进行分析，希望对住房抵押贷款保证保险的发展有所裨益。聞創沟燴鐺險爱氇谴净祸測樅锯鳗鲮詣鋃陉蛮苎覺藍驳驂签拋敘睑绑鵪壺嗫龄呓骣頂濺锇慪柠圖虬辏獨鰷濱賺钓崳。 关键词：住房抵押贷款，保证保险，保险利益 PAGE PAGE 2 ABSTRACT Mortgage system was introduced to China in the 1990s, which has brought to the rapid development of the real estate market, but also hidden great risk. As No risk, no insurance, mortgage insurance was invented. At present, there are only mortgage property insurance, mortgage life insurance and mortgage bond insurance. This paper will research mortgage bond insurance.残骛楼諍锩瀨濟溆塹籟婭骒東戇鳖納们怿碩洒強缦骟飴顢歡窃緞駔蚂玨础对聳卻錨纩鳅抛蒉詣赅齦鸸餌螞妪麩轰鍍。 Bond Insurance was originated in the United States, followed by many countries in Western Europe and Japan. Chinese insurance companies started it lately, with personal consumption credit system imperfect and the relevant legislation relatively stagnant. There are many arguments in theoretical research, the insurance practice and judicial practice. In theoretical research, researchers focus on the meaning and nature of bond insurance contract. In practice, it is not only developing rather slowly, but also lax in management . In the judicial practice, the courts may have different judgements when dealing with the same disputes on bond insurance contract, because provisions on it are lack .酽锕极額閉镇桧猪訣锥顧荭钯詢鳕驄粪讳鱸况閫硯浈颡閿审詔頃緯贾钟費怜齪删费龙觯諞餛鸬挣紐攄线幀鲑泽谶绗。 Above all, this paper will focus on the meaning, nature and contract elements of mortgage bond insurance. I hope my research will b