论我国个人住房抵押贷款保险体系的构建  

On the Construction of China's Mortgage Insurance

作　　者：吴志宇[1] 

机构地区：[1]华东交通大学法学系,江西南昌330013

出　　处：《长沙理工大学学报（社会科学版）》2010年第4期106-111,共6页Journal of Changsha University of Science and Technology：Social Science

基　　金：华东交通大学青年基金项目"我国个人住房贷款担保与保险体系的构建"(项目编号:7055475115)

摘　　要：个人住房抵押贷款保险的主要功能是为借款人申请高比例的个人住房抵押贷款提供信用支持。在我国个人住房抵押贷款保险体系的建设过程中,政府应当发挥主导作用,适时组建政策性保险机构,为广大中低收入者申请高比例的个人住房抵押贷款提供保证保险,以降低其购房"门槛",保障其基本的居住需求。此外,政府还可根据住房市场发展的客观需要,鼓励、引导和扶持商业保险公司为借款人申请高比例的个人住房抵押贷款提供保证保险。The main function of mortgage insurance is to provide credit support for qualified borrowers applying for favorable housing payment mortgages. In the construction process of China＇s mortgage insurance, government should play a leading role,establish policy-mortgage insurance agency to provide insurance for middle-low income residents applying for low down payment mortgages, in addition, government may encourage, guide and support the development of commercial mortgage insurance according to the actual needs of the housing market.

关 键 词：个人住房抵押贷款保险 政策性保险 商业性保险 

分 类 号：F840[经济管理—保险]