我国住房抵押贷款保险问题研究

发布时间：2018-01-07 11:02

本文关键词：我国住房抵押贷款保险问题研究　出处：《河北经贸大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前住房抵押贷款保险帮助缓解中低收入家庭购房难问题成为社会各界关注的热点。在居民住房贷款方面，，部分贷款机构已经将其作为提供高额住房贷款的前提条件。但我国住房抵押贷款保险起步较晚，对比成功开展住房抵押贷款保险业务的其他国家及地区，我国住房抵押贷款保险还存在诸多问题，如住房抵押贷款保险供需不足、学术界关于住房抵押贷款保险的研究存在诸多争议、保险实务中存在许多不合理的方面等。为有效提高中低收入家庭的住房水平，也为理清学术界长期存在的关于住房抵押贷款保险的诸多争议及纠正住房抵押保险实务操作中存在的不良问题，深入研究住房抵押贷款保险显得很有必要。本文研究的主要内容：首先详细地阐述了住房抵押贷款保险的内涵、研究住房抵押贷款保险的背景和意义、目前国内外关于住房抵押贷款保险的研究成果、本文的研究方法、创新点及理论基础；其次从不同的角度进一步挖掘我国住房抵押贷款保险的潜在需求；再次在介绍我国开展住房抵押贷款保险的发展历程及当前面临的问题的基础上，侧重介绍了美国、加拿大、澳大利亚、法国及荷兰住房抵押贷款保险制度及对我国的经验借鉴；最后对上述存在问题提出完善我国住房抵押贷款保险的相应对策。
[Abstract]:At present, the housing mortgage insurance helps to alleviate the problem of housing purchase difficulties of low- and middle-income families has become the focus of attention of the community. In terms of residential housing loans. Some lending institutions have taken it as a prerequisite for providing high housing loans, but our housing mortgage insurance started relatively late, compared with the successful development of housing mortgage insurance business in other countries and regions. There are still many problems in China's housing mortgage insurance, such as insufficient supply and demand of housing mortgage insurance, academic research on housing mortgage insurance there are many disputes. There are many unreasonable aspects in insurance practice. In order to improve the housing level of low- and middle-income families effectively. In order to clear up the long-existing disputes about housing mortgage insurance and correct the bad problems existing in the practice of housing mortgage insurance, it is necessary to study the housing mortgage insurance in depth. The main content of this paper: firstly, the connotation of the housing mortgage insurance, the background and significance of the research on the housing mortgage insurance, and the current research results of the housing mortgage insurance at home and abroad are described in detail. The research method, innovation and theoretical basis of this paper; Secondly, it further excavates the potential demand of our country's housing mortgage insurance from different angles. Thirdly, on the basis of introducing the development course of housing mortgage insurance in our country and the current problems, it focuses on the United States, Canada and Australia. The housing mortgage insurance system of France and the Netherlands and the experience of our country; Finally, the author puts forward the corresponding countermeasures to perfect the housing mortgage loan insurance in our country.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45

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