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开展银行贷款抵押财产保险是银行加强抵押财产风险管理,确保贷款资产安全的重要途径。目前,银行和保险的业务操作和相关产品无法适应市场需求,亟待改进。根据抵押财产保险现状,应对现有产品进行创新,共同改进银行和保险公司业务操作方式,确保该项业务的健康持续发展。
Carrying out bank loan mortgage property insurance is an important way for banks to strengthen risk management of mortgage property and ensure the safety of loan assets. At present, the operation of banks and insurance business and related products can not meet the market demand, urgent improvement. According to the status quo of mortgage property insurance, existing products should be innovated to jointly improve the operational mode of operation of banks and insurance companies so as to ensure the healthy and sustainable development of the business.