| 借鉴国外经验完善我国住房抵押贷款保险机制 |
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| 引用本文： | 张建华.借鉴国外经验完善我国住房抵押贷款保险机制[J].嘉兴学院学报,2002,14(5):38-40,44. |
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| 作者姓名： | 张建华 |
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| 作者单位： | 嘉兴学院管理学院,浙江,嘉兴,314001 |
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| 摘 要： | 银行发行个人住房抵押贷款时，为降低其承担的风险，要求借款人除办理住房抵押外还必须为抵押房产投保，但目前我国保险公司开办的抵押房存在着许多问题，已不能适应住房抵押贷款保险的需要，我们有必要借鉴国外成功的保险经验，建立起具有我国特色的住房抵押贷款保险机制。
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| 关 键 词： | 住房抵押贷款保险机制 中国 抵押房产保险 消费性贷款 担保机构 保险模式 |
| 文章编号： | 1671-3079(2002)05-0038-(04) |
Improve China 's Insurance Mechanism for Home Mortgage via Referring to Foreign Experience |
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| ZHANG Jian-hua.Improve China ''s Insurance Mechanism for Home Mortgage via Referring to Foreign Experience[J].Journal of Jiaxing College,2002,14(5):38-40,44. |
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| Authors: | ZHANG Jian-hua |
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| Institution: | ZHANG Jian-hua |
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| Abstract: | When providing personal housing mortgage loan, the bank demands also the borrower to insure for the mortgaged housing in order to lower its risk. But now, the mortgage housing insurance of the China`s insurance company has many problems and therefore cannot meet the needs of housing mortgage loan. It is necessary for us to refer to the successful experiences abroad and then set up Chinese characteristic insurance mechanism for housing mortgage loan. |
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| Keywords: | housing mortgage loan insurance insurance model suggestion |
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