Preliminary Study On Housing Mortgage Loan Insurance

The Mortgage loan insurance is an effective means to push the development of the estate market. This paper discusses some issues to be considered in China based on the experience and practice both in the west and in China. But now, the mortgage housing insurance of the China's insurance company has many problems and therefore can't meet the needs of housing mortgage loan. It is necessary for us to refer to the successful experiences abroad and then set up Chinese characteristic insurance mechanism for housing mortgage loan.The first part of this paper focuses on the rationale pertaining to insurance mechanism for housing mortgage loan by retrospecting to the origin and development of insurance mechanism for housing mortgage loan and by discussing its nature and features; the second part surveys insurance mechanism for housing mortgage loan in a couple of typical foreign countries, which makes us have a better grasp of its nature and development skeleton and enables us to benefit from other countries' successful experiences or lessons; the third part probes into the status quo of China's insurance mechanism for housing mortgage loan and analyses from such aspects as advantages, indispensability, development status and existing problems, etc; via the survey and analysis of the problems in thefirst three parts, the fourth part discusses how to perfect China's insurance mechanism for housing mortgage loan and puts forward some concrete ideas after specifying some preconditions that need solving(setting up insurance mechanism for housing mortgage loan in China ).