The Improvement Of China’s Housing Mortgage Insurance

As mortgage derivative products, mortgage insurance to alleviate the risk of mortgageloan of real estate market and promote the healthy and stable development of all has thevital significance.China’s mortgage loan insurance since its birth has been in a slow development, manyproblems in the insurance gradually decline. How to promote the rapid development of theinsurance is the main objective of this paper. First of all, this paper defines the concept ofmortgage insurance, through three main analysis shows its necessity. This paper reviewsour country mortgage insurance development course, through field research, in-depthunderstanding of mortgage loan insurance development present situation, through the caseanalysis revealed the presence of the following questions：(1) Mortgage insurance productsin China is not perfect.(2) Market positioning is not clear, the lack of the mechanism ofgovernment.(3) Insurance operation is not standard.This article on China’s mortgage loan insurance put forward suggestions:(1) The common development of property insurance, mortgage life insurance andmortgage loan mortgage loan credit guarantee insurance.(2) The introduction of the government ’s guiding mechanism, perfect thepublic-private joint system.(3) Through the improvement of bank and insurance supporting mechanism, theintroduction of competition mechanism develops the insurance.