一、我国房地产保险的问题与成因自我国城镇住房制度改革以来,房屋逐渐成为家庭价值最高的财产。然而与人寿保险和汽车等其它财产险的迅猛发展相比,房地产保险却始终难以大规模启动。而在现实生活中,房屋在生产、交换、消费的过程中,时时刻刻受到各种风险的威胁:一是自然风险, First, the problems and causes of real estate insurance in our country Since the reform of urban housing system in our country, housing has gradually become the highest value of the family property. However, compared with the rapid development of other property insurance such as life insurance and automobile, real estate insurance has always been difficult to start on a large scale. In real life, housing is threatened by all kinds of risks in the process of production, exchange and consumption. First, natural risks,