住房按揭贷款保证保险防范风险的法律适用——以美国次级贷款危机及中国强烈地震为背景  

The Legal Application of Mortgage Guarantee Insurance of Housing Against Risks——In the Background of Subprime Mortgage and Serious Earthquakes

作　　者：唐烈英[1] 吴长波[1] 

机构地区：[1]西南政法大学民商法学院,重庆400031

出　　处：《法学论坛》2009年第1期80-86,共7页Legal Forum

基　　金：国家社会科学基金重大项目(A级)"改革发展成果分享法律机制研究"(05&ZD0296)阶段性成果

摘　　要：美国次级房贷危机、中国512强烈地震,都使住房贷款机构陷入尴尬被动境地。保证保险能够防范次级房贷危机、化解银行贷款风险,避免按揭贷款买受人因意外事故引起的以房抵债、被迫搬迁等风险,增加保险公司业务量。但是,保证保险在实际中却没有推广应用,需要从法律上明确保证保险的性质、统一相关法律规定;改变银行以强势地位强制推行贷款保险、保险公司设计理赔事项及计算保险费用不合理等情形;完善保险人代位求偿权的规定。The US subprime mortgage crisis and the serious Wenchuan earthquake in China both make the banking institutions in a predicament. The mortgage guarantee insurance may prevent the subprime mortgage crisis, dispel the loan risk of banks, avoid losing house of loanee and promote the business of insurance companies. However, the guarantee insurance is not applied widely. It is necessary for us to clarify the nature of mortgage insurance, unify the provisions for it; change the unreasonable mandatory insurance, insurance accident and premium; improve the provision for the right of subrogation of the insurer.

关 键 词：住房按揭贷款 保证保险 次贷危机 512强烈地震 

分 类 号：D913[政治法律—民商法学]