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中美住房抵押贷款保险比较研究


全文字数:19000字左右  原创时间:<=2022年

【内容摘要】

近年来,随着经济的不断发展,人们收入逐年增加,生活水平不断提高,衣食住行中最大的问题“住”已成了人们生活中不可回避的大事。

住房抵押贷款保险,伴随着住房抵押贷款的开展而产生,最早起源于美国。在国家为稳定金融形势,出台一系列针对金融机构的抵押贷款政策的同时,住房抵押贷款保险中的保险人----商业银行与保险公司,则并没有做出业务创新、体制改革等,始终贯彻着原始的保险计划,致使中国的抵押贷款保险业务停滞不前,没有针对我本国国情的特色险种。
加上,国际化的进程推动着金融业的变革与发展,笔者通过本文比较中美住房抵押贷款保险在体制形式、法律条例、巨灾风险保险等方面的差异性,借鉴国外发达国家住房抵押贷款保险发展的成功经验来完善和解决我国目前存在的问题:抵押贷款保险相关法律法规不够成熟和完善,政府部门没有抵押贷款保险的政策性职能等。取其精华、去其糟粕,发展并创新我国特有的住房抵押贷款保险,建立一个完善的住房抵押贷款保险市场,化解住房金融风险,推动住房金融稳定、健康地发展,为民众提供更全面、完善的住房保障。

关键词(本论文范文的主要论点):抵押贷款,个人住房抵押贷款保险,保险,中美比较

 

 

 

 

 

 

 

 

ABSTRACT

In recent years, as the economy continues to develop, people's income increases every year, continuously improve the standard of living for food, clothing biggest problem in "housing" people's lives has become an unavoidable event.
Mortgage insurance, along with the development of housing mortgage loans arising from the earliest origins in the United States. At stabilizing the financial situation for the country, introduced a series of financial institutions, mortgage policy, mortgage insurance insurance people ---- commercial banks and insurance companies, then did not make business innovation, institutional reforms, etc. always put the original insurance plan, with the result that China's mortgage insurance business stagnation, there is no response to the characteristics of its own national conditions my insurance.
Besides, the process of internationalization of the financial industry to promote change and development, through this article the author compared the Sino-US mortgage insurance at the institutional forms, laws and regulations, regulatory systems differences, learn from developed countries Mortgage Insurance successful experiences to improve and solve the existing problems:mortgage insurance is not mature enough relevant laws and regulations and improve the government departments do not carry mortgage insurance policy functions. Select the essence, to its dregs, development and innovation of our unique mortgage insurance, set up a sound mortgage insurance market, and resolve financial risks to housing and promote housing stability and healthy development for the public to provide more comprehensive and sound of housing security.

Keywords: Mortgage loans, Personal housing mortgage loan insurance, Insurance, Comparison of China and the United States

 

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