完善个人住房贷款保险的措施建议  

The measures and suggestions for perfecting personal housing loan insurance

作　　者：齐锡晶[1] 张林[1] 王德选[1] 

机构地区：[1]沈阳建筑大学土木工程学院,辽宁沈阳110168

出　　处：《沈阳建筑大学学报（社会科学版）》2006年第2期139-141,共3页Journal of Shenyang Jianzhu University:Social Science

摘　　要：针对我国个人住房贷款保险现存的诸多问题,为了防范个人住房贷款风险,依据保险理论及现行法规,提出落实自愿投保原则、优化房贷险品种设计、建立个人贷款信用评价体系、营造处置抵押物处置的良好环境、实现多种形式的贷款担保等措施建议,通过培植有效防范金融风险的综合环境,为房地产(住宅产业)的可持续发展奠定基础。Facing with so many problems which recently exist in personal housing loan insurance of our country, in order to defend risk of personal housing loan insurance, according to insurance theory and current regulation, some key points are put forward, such as ascertainment of voluntary insurance principle, optimization of branches of loan insurance, establishing evaluation system for credibility of personal loan, providing good handling mortgage environment, putting loan security diversity in practice. Through providing integrated environment to defend financial risk effectively, it is expected to lay the foundation for the sustainable development of real estate（housing estate）.

关 键 词：个人住房 贷款保险 金融风险 措施建议 

分 类 号：F840.69[经济管理—保险]