Research On American Title Insurance

Title insurance originated in the United States,after one hundred years of development and promotion,title insurance become the important system in real estate transactions to ensure the safety of title property,and make an important contribution in promoting the emergence and development of the United States secondary mortgage market.Title quality of Real estate is very important to people and a key issue in the real estate market development.The unique insurance mechanism and the core of system of preventing the risk of title rights and promoting title quality,making title insurance a very unique system.Due to the imperfect system of real estate registration and the shortage of the traditional title guarantee method,The security of title become the largest obsession in real estate transactions.Title defects and Title disputes will not only hinder the exercise of Title rights,there are more likely to face the risk of lost property.Title insurance made the property protection as the starting point and core of system,and absorbed the benefits of traditional property rights guarantee method,made up the shortcomings,become the beneficial supplement of American real estate registration system.And based on the real estate registration system,title insurance making title investigation,title report,and building title plants.Finding and solving the title risk,ensuring the safety of title,improving the quality of title.Making the United States has the most efficient real estate transfer system,and promoting the formation and development of secondary mortgage market.Now,title insurance has become the indispensable system in American real estate transactions.With the development of economic globalization and international real estate transactions,Property insurance is no longer a uniquely American system,title insurance internationalization degree is higher and higher.International title insurance not only has the connotation of protecting title of American,and to meet the specific conditions of various countries and regions,making change in underwriting risks,coverage,insurance program and so on,and becoming a useful supplement of professional responsibility.International title insurance also play an important role to protect the safety of title.That the growing sales of International title insurance proving title insurance does have unlimited market potential.Although,title insurance has not yet been introduced to our country at present,and domestic research rarely for title insurance.But today,with the constant development of China's real estate market,property safety will be paying more and more attention,therefore,title insurance also has an important significance to our country.