| 我国住房抵押贷款保险问题及对策 |
| |
| 引用本文： | 辛立秋.我国住房抵押贷款保险问题及对策[J].物流科技,2003,26(4):42-44. |
| |
| 作者姓名： | 辛立秋 |
| |
| 作者单位： | 东北农业大学,哈尔滨,150030 |
| |
| 摘 要： | 住房抵押贷款保险，对于化解银行信贷风险、刺激个人住房消费发挥着重要作用。在我国，由于这个险种开办时间较短，在险种的开发、保险金额及费率的厘定等方面存在诸多问题。本文提出应该从确定合理的保险金额和费率、建立风险防范机制等方面完善住房抵押贷款制度。
|
| 关 键 词： | 中国 住房抵押贷款保险 银行信贷风险 个人住房消费 风险防范机制 保险金额 |
| 文章编号： | 1002-3100(2003)04-0042-03 |
| 修稿时间： | 2003年4月1日 |
The Question and Countermeasure About the Insurance of the Housing Mortgage Credit in our Country |
| |
| Xin Li-qiu.The Question and Countermeasure About the Insurance of the Housing Mortgage Credit in our Country[J].Logistics Management,2003,26(4):42-44. |
| |
| Authors: | Xin Li-qiu |
| |
| Abstract: | The insurance of the housing mortgage credit plays an important role on dissolving Bank credit risk and stimulating personal house consumption. The paper analyses the questions on insurance rate, amount and so on, then points out that Bank and Insurance Company should set up risk mechanism and work out rational insurance amount and rate. |
| |
| Keywords: | Housing mortgage credit insurance credit insurance Guarantee insurance |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
