浅议我国住房抵押贷款保险若干缺陷及改进
发布时间:2018-02-27 20:09
本文关键词: 住房抵押贷款 住房抵押贷款保险 住房保障制度 SWOT分析 出处:《西南财经大学》2014年硕士论文 论文类型:学位论文
【摘要】:伴随我国个人住房贷款余额逐年攀升的是我国消费信贷化和住房市场化的刚刚起步,为了化解住房抵押贷款中的风险和弊端,我国在1992年推出了第一张抵押住房保单,但经过20余年的发展,其暴露出的各种诟病,使其不能被大众广泛的接受。 鉴于我国目前住房抵押贷款保险的现状及问题,本文通过文献的总结分析,发现国外对于住房抵押贷款保险的发展已相当成熟,而国内对于它的实践和研究从上世纪90年代才开始逐渐增多,但同时可以看到的是国内对住房抵押贷款保险的研究还有不足与空白之处。 因此本文创新之处在于,按照发现问题、分析问题、解决问题的思路,重点采用文献研究、理论分析、比较研究法、数据分析法对我国个人住房抵押贷款保险的若干缺陷与改进做出分析。首先从发现住房抵押贷款保险的若干缺陷开始,然后结合国外的成功经验对这些缺陷做出详细分析,最后提出对该保险的改进及建议,以此弥补了我国目前在对具体如何设计优化住房抵押贷款保险研究的空白,这也将有助于我国的住房保障制度的不断发展。 本文分为五个部分,分别是: 第一章,发现问题。首先提出的本文研究背景、研究目的和意义,其次对国内外的研究做文献综述,最后提出笔者研究的内容及方法、论文的创新点以及逻辑框架图。 第二章,分析问题。从住房抵押贷款保险的内涵和我国的现状出发,对我国目前住房抵押贷款保险的:险种产品单一、产品条款本身的设计不规范、政策与营销三大方面的缺陷做重点阐述。 第三章,分析问题。从分析解决问题的角度出发,借鉴国外成功经验,对国外如何解决第二章中提到的住房抵押贷款保险的三大问题做重点梳理阐述,最后通过表格对比分析标记各国住房抵押贷款保险模式的特色,为我国房贷险产品的设计起到一定的借鉴意义。 第四章,解决问题。结合国外成熟经验和我国具体国情,对我国住房抵押贷款保险做出具体的设计与改进,并对改进后的住房抵押贷款保险的可行性运用SWOT分析法做出了讨论。 第五章,结论。总结全文,同时指出本文的不足及进一步研究方向。
[Abstract]:With the increasing balance of personal housing loan in China, the consumer credit and housing marketization have just started. In order to resolve the risks and disadvantages of housing mortgage loan, China launched the first mortgage housing policy in 1992. But after more than 20 years of development, it exposed a variety of denunciations, so that it can not be widely accepted by the public. In view of the current situation and problems of housing mortgage loan insurance in China, this paper, through the summary and analysis of the literature, finds that the development of housing mortgage loan insurance in foreign countries has been quite mature. But the domestic practice and research on it began to increase gradually since -10s, but at the same time, it can be seen that there are still deficiencies and gaps in the domestic research on mortgage insurance. So the innovation of this paper is, according to the idea of problem finding, problem analysis, problem solving, literature research, theoretical analysis, comparative research, The data analysis method analyzes the defects and improvement of personal housing mortgage insurance in China. Firstly, it begins with the discovery of some defects in housing mortgage insurance, and then makes a detailed analysis of these defects in combination with the successful experience of foreign countries. Finally, the improvement and suggestion of the insurance are put forward, which make up the blank of the research on how to design and optimize the mortgage insurance in our country at present, which will also contribute to the continuous development of the housing security system in our country. This paper is divided into five parts:. The first chapter is the research background, purpose and significance of this paper, and then the literature review of the domestic and foreign research. Finally, the contents and methods of the research, the innovation of the paper and the logical frame diagram are put forward. The second chapter, analysis of the problems. From the connotation of housing mortgage insurance and the current situation of our country, the current housing mortgage loan insurance in China: insurance products are single, the design of product terms itself is not standard, Policy and marketing of the three major shortcomings of the focus. From the angle of analyzing and solving the problem, drawing lessons from the successful experience of foreign countries, the third chapter focuses on how to solve the three major problems of housing mortgage insurance mentioned in the second chapter. Finally, this paper compares and analyzes the characteristics of the mortgage insurance model in various countries, which can be used for reference in the design of mortgage insurance products in China. Chapter 4th, solving problems. Combined with the mature experience of foreign countries and the specific situation of our country, we make concrete design and improvement to the housing mortgage loan insurance of our country. The feasibility of the improved mortgage insurance is discussed by SWOT method. Chapter 5th, conclusion. Summarize the full text, at the same time point out the deficiency of this article and further research direction.
【学位授予单位】:西南财经大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.45;F842.6
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