论文部分内容阅读
近年来住房抵押贷款保险业务的重要性逐渐为国内各大保险公司所认识,但其业务的发展过程却极为缓慢。本文从我国抵押贷款业务同发达国家的差距着手,分析了我国在抵押贷款保险方面存在的问题及其对策,认为要使我国住房抵押贷款保险切实发挥作用,达到促进住房抵押贷款业务良性发展,推动住房消费的目的,需要政府、保险公司以及银行三方面的共同努力和系统架构。
In recent years, the importance of the mortgage insurance business has gradually become recognized by major insurance companies in China. However, its business development has been extremely slow. This paper starts with the gap between our country’s mortgage loan business and the developed countries and analyzes the existing problems and countermeasures in the mortgage loan insurance in our country. We think that we should make our country’s mortgage loan insurance play its role and promote the healthy development of the mortgage loan business, The purpose of housing consumption requires the joint efforts and system architecture of the government, insurance companies and banks.