我国房地产产权交易保险发展研究
发布时间：2019-03-11 19:01
【摘要】：伴随着中国经济的快速发展,中国的房地产市场逐渐繁荣发展,而近两年,在去库存政策和宽松的货币环境之下,我国房地产行业更是异常的火爆。然而,房地产行业高速发展的背后潜伏了太多的交易风险。房地产行业是国民经济的重要组成部分,是关乎民生的重要行业,而房地产产权交易的安全性是房地产行业健康发展的重要因素。中国的房地产交易,在安全性、专业性、效率等多个方面均与发达国家成熟的房地产交易市场相差甚远,造成这种巨大差距的原因并不在于房产中介行业本身,而在于国内的房地产交易市场缺失了一项极为重要的金融工具,即房地产产权交易保险。在发达国家,在房地产产权交易的保驾护航之下,房产交易的风险由保险公司承担,房地产交易不仅高效而且安全。而在中国,因房地产交易的风险给购房者造成巨大风险的案例比比皆是,尤其是在二手房的交易市场中。2016年3月23日,大道金服联合中原地产、中国邮政储蓄银行、众安保险共同举办了国内首款房地产产权交易保险—“交易保”的产品发布会。这是国内第一款利用了房地产产权交易保险这个专业的金融工具为房产交易提供安全保障的产品,它将会彻底重构国内二手房交易的流程,大大提高房产交易的效率和安全性,引起了不少银行和保险公司的密切关注。本文选取大道金服推出的“交易保”作为典型案例,对房地产产权交易保险进行了详细的分析。论文共分为六个部分,绪论部分阐述了房地产产权交易保险的研究背景、研究意义、研究内容和方法,对已有的相关研究文献进行了综述,并对房地产产权交易保险这个概念本身作出了概念界定,同时对本文的创新之处和不足之处做了详细的说明。在案例介绍部分,对大道金服联合多家保险公司推出的首款房地产产权交易保险产品—“交易保”做了比较详细的介绍。而在案例分析部分,论述了房地产产权交易中存在的各种风险,包括交易主体方面的风险、交易房屋方面的风险以及交易手续方面的风险,同时辨析了房地产产权交易保险与其他的房地产相关保险之间的区别,并介绍了房地产产权交易保险在房地产交易中的作用。紧接着对我国房地产产权交易保险产品存在的问题作了详细的阐述。然后描述了美国房地产产权交易保险的发展状况,并揭示了其对我国的启示。最后基于以上的分析,对我国房地产产权交易保险的发展提出了相关的建议。
[Abstract]:Along with the rapid development of China's economy, China's real estate market gradually flourishes, and in the past two years, in the absence of inventory policy and loose monetary environment, the real estate industry in China is particularly popular. However, the rapid development of the real estate industry behind the latent too many trading risks. The real estate industry is an important part of the national economy and an important industry related to the people's livelihood, and the security of the real estate property right transaction is an important factor for the healthy development of the real estate industry. The real estate trade in China is far from the mature real estate market in developed countries in many aspects, such as safety, professionalism and efficiency. The reason for this huge gap is not in the real estate intermediary industry itself. But the domestic real estate market lacks a very important financial instrument, namely the real estate property right transaction insurance. In developed countries, the risks of real estate transactions are borne by insurance companies under the protection of real estate property transactions, which are not only efficient but also safe. And in China, there are numerous cases of great risks to buyers because of the risk of real estate transactions, especially in the second-hand housing market. On March 23, 2016, Boulevard Gold Services United Central Plains Real Estate, China Postal savings Bank, Zhongan Insurance jointly organized the first real estate property rights transaction insurance-"transaction insurance" product conference. This is the first domestic product that makes use of the real estate property right transaction insurance as a professional financial instrument to provide security for the real estate transaction. It will completely reconstruct the domestic second-hand housing transaction process and greatly improve the efficiency and safety of the real estate transaction. It has attracted close attention from many banks and insurance companies. This paper analyzes the real estate property right transaction insurance in detail by choosing the transaction insurance of Boulevard Gold Service as a typical case. The paper is divided into six parts. The introduction part expounds the research background, significance, content and method of real estate property right transaction insurance, and summarizes the relevant research literature. And the concept of real estate property right transaction insurance itself is defined, and the innovation and shortcomings of this paper are explained in detail. In the part of case introduction, the first real estate property right transaction insurance product-"transaction insurance" introduced by several insurance companies of Boulevard gold suit is introduced in detail. In the part of case analysis, it discusses all kinds of risks existing in the real estate property right transaction, including the risk of the transaction subject, the risk of the trading house and the risk of the transaction formalities. At the same time, it analyzes the difference between real estate property right transaction insurance and other real estate related insurance, and introduces the role of real estate property right transaction insurance in real estate transaction. Then the problems of real estate property right transaction insurance products in China are expounded in detail. Then it describes the development of American real estate property right transaction insurance, and reveals its enlightenment to our country. Finally, based on the above analysis, some suggestions are put forward for the development of real estate property right transaction insurance in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F842.6
[Abstract]:Along with the rapid development of China's economy, China's real estate market gradually flourishes, and in the past two years, in the absence of inventory policy and loose monetary environment, the real estate industry in China is particularly popular. However, the rapid development of the real estate industry behind the latent too many trading risks. The real estate industry is an important part of the national economy and an important industry related to the people's livelihood, and the security of the real estate property right transaction is an important factor for the healthy development of the real estate industry. The real estate trade in China is far from the mature real estate market in developed countries in many aspects, such as safety, professionalism and efficiency. The reason for this huge gap is not in the real estate intermediary industry itself. But the domestic real estate market lacks a very important financial instrument, namely the real estate property right transaction insurance. In developed countries, the risks of real estate transactions are borne by insurance companies under the protection of real estate property transactions, which are not only efficient but also safe. And in China, there are numerous cases of great risks to buyers because of the risk of real estate transactions, especially in the second-hand housing market. On March 23, 2016, Boulevard Gold Services United Central Plains Real Estate, China Postal savings Bank, Zhongan Insurance jointly organized the first real estate property rights transaction insurance-"transaction insurance" product conference. This is the first domestic product that makes use of the real estate property right transaction insurance as a professional financial instrument to provide security for the real estate transaction. It will completely reconstruct the domestic second-hand housing transaction process and greatly improve the efficiency and safety of the real estate transaction. It has attracted close attention from many banks and insurance companies. This paper analyzes the real estate property right transaction insurance in detail by choosing the transaction insurance of Boulevard Gold Service as a typical case. The paper is divided into six parts. The introduction part expounds the research background, significance, content and method of real estate property right transaction insurance, and summarizes the relevant research literature. And the concept of real estate property right transaction insurance itself is defined, and the innovation and shortcomings of this paper are explained in detail. In the part of case introduction, the first real estate property right transaction insurance product-"transaction insurance" introduced by several insurance companies of Boulevard gold suit is introduced in detail. In the part of case analysis, it discusses all kinds of risks existing in the real estate property right transaction, including the risk of the transaction subject, the risk of the trading house and the risk of the transaction formalities. At the same time, it analyzes the difference between real estate property right transaction insurance and other real estate related insurance, and introduces the role of real estate property right transaction insurance in real estate transaction. Then the problems of real estate property right transaction insurance products in China are expounded in detail. Then it describes the development of American real estate property right transaction insurance, and reveals its enlightenment to our country. Finally, based on the above analysis, some suggestions are put forward for the development of real estate property right transaction insurance in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F842.6
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