| The commercial banks of our state has tried to engage in personal housing mortgage loan since 1980, and there were no insurance companies developing their business in this area until Hua Tai property insurance company started to sell an insurance product named "Personal Guarantee Insurance" in 1994. The personal housing mortgage loan business has taken mark achievement in our state, at the same time, the personal housing mortgage loan insurance market is still in elementary stage. Our commercial insurance companies are trying to find a way to develop their business of personal housing mortgage loan insurance well.The dissertation starts from the present situation of the personal housing mortgage loan insurance market, comparing and researching the markets of developed countries and using their experience for reference, putting forward some rationalization proposal and constructive suggestions in order to develop and perfect the personal housing mortgage loan insurance market of our state.The dissertation consists of four chapters.Chapter One studies the necessity to develop and perfect our state's personal housing mortgage loan insurance market. First, the dissertation illustrates the concept of personal housing mortgage loan insurance and its function for the economy. Second, it introduces the present situation and prevailing problems in the personal housing mortgage loan insurance market of our state. Third, to develop and perfect the personal housing mortgage loan insurance market has been of momentous current significance. It can not only promote the insurance industry's progress, but also bring a favorable action on building construction and accelerate the national economy.Chapter Two studies the feasibility to develop and perfect our state's personal housing mortgage loan insurance market. First, the existing risks are the foundation for the existing and developing of the insurance industry.Then, the existing risks in the business of personal housing mortgage loan are the foundation for the personal housing mortgage loan insurance market. There are many risks in the business of personal housing mortgage loan, some of them can be managed by insurance companies. Second, the central and local governments have recognized the importance of the personal housing mortgage loan insurance market and promulgated some orders and measures to manage the market, which lay a solid foundation to develop and perfect our state's personal housing mortgage loan insurance market. Third, according to the theory of insurance market, the system of personal housing mortgage loan insurance market has been built up to some extent, which provides good condition for the developing and perfecting the personal housing mortgage loan insurance market of our state.Chapter Three compares and studies the international personal housing mortgage loan insurance markets. By providing some facts and statistics, the dissertation introduces the basic situation and characteristics of the personal housing mortgage loan insurance markets in developed countries, such as the United States, France and the Netherlands. The developed countries' advanced experience of the personal housing mortgage loan insurance markets is very useful for our state.Chapter Four is the keystone of the dissertation. It discusses the train of thought and tentative plan for developing and perfecting the personal housing mortgage loan insurance market of our state. First, we should accord to the actual situation of our state and follow the advanced countries' experience in this field in order to establish the ideal mode of the personal housing mortgage loan insurance market. Second, the dissertation puts forward the tentative plan to set up the personal housing mortgage loan policy insurance institution. The government should set up the personal housing mortgage loan policy insurance institution that has the responsibility to provide insurance for the house-purchasers who have medium or low income to apply for the personal housing mortgage loan.... |
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