我国个人住房抵押贷款信用担保体系的构建  

On the Construction of China's Mortgage Insurance

作　　者：吴志宇[1] 

机构地区：[1]华东交通大学人文学院,南昌330013

出　　处：《北京工业大学学报（社会科学版）》2010年第4期60-64,73,共6页Journal of Beijing University of Technology (Social Sciences Edition)

摘　　要：在深入分析个人住房抵押贷款担保的一般理论及其实践经验,并结合我国个人住房抵押贷款担保发展中存在的问题的基础上,认为在我国个人住房抵押贷款担保体系的建设过程中,政府应当发挥主导作用,适时建立政策性个人住房抵押贷款担保机构,为广大中低收入者申请高比例的个人住房抵押贷款提供担保;此外,政府还可根据我国住房市场发展的客观需要,鼓励、引导和扶持商业性个人住房抵押贷款担保的发展。China has established mortgage insurance system which is composed of suretyship of specialized agency and insurance company,however,there are still many problems.This article fully expounded the general theory of mortgage insurance,analyzed in depth the problems of China＇s mortgage insurance,put forward that in the construction process of China＇s mortgage insurance,government should play a leading role,estabilsh policy-oriented mortgage insurance agency to provide low down payment mortgages insurance for the middle-low income residents.In addition,the government may encourage,guide and support the development of commercial mortgage insurance according to the actual needs of the housing market.

关 键 词：个人住房抵押贷款 信用担保 体系 构建 

分 类 号：D922.28[政治法律—经济法学]