住房抵押保险的国际比较及其启示  

The International Comparison and Enlightenment of Housing Mortgage Insurance

作　　者：施方[1] 

机构地区：[1]上海大学国际工商与管理学院,上海200436

出　　处：《经济经纬》2003年第4期133-135,共3页Economic Survey

摘　　要：住房抵押保险在发达国家已经发展得非常成熟,而对于我国来讲它仍是一个新兴的、有待发展的保险品种。本文对一些典型的发达国家和地区在住房抵押保险的体系、激励机制和风险控制策略方面进行了探讨和比较,并由此得到对我国住房抵押保险发展具有积极意义的经验和启示。Housing mortgage insurance, having developed perfectly in developed countries, in our country is still a new and developing insurance. This essay discusses and compares the system, incitement mechanism and risk - control strategy of housing mortgage insurance in some typical developed countries and regions, and makes some positive experience and enlightenment for our housing mortgage insurance development.

关 键 词：住房抵押保险 激励 风险逆向选择 

分 类 号：F293.31[经济管理—国民经济]