A Study On The Development Of Real Estate Transaction Insurance In China

With the rapid development of China's economy, China's real estate market gradually prosperous development, and nearly two years, Under the inventory policy and loose monetary environment, China's real estate industry is unusually hot. However, the rapid development of the real estate industry behind the potential for too many trading risks. The real estate industry is an important part of the national economy, and is an important industry on the people's livelihood, and real estate property rights security is an important factor in the healthy development of the real estate industry. China's real estate transactions, in terms of security, professionalism, efficiency and other aspects of mature countries are mature real estate trading market is very different, the reason for this huge gap is not the real estate industry itself, but rather the domestic real estate transactions The market is missing a very important financial instruments, that is, real estate property rights insurance. In developed countries, under the escort of real estate property rights escort, the risk of real estate transactions by the insurance company, real estate transactions are not only efficient and safe. In China, the risk of real estate transactions to those who made a huge risk of cases everywhere, especially in the second - hand housing market.On March 23, 2016, Avenue gold uniforms with the Zhongyuan real estate company,China Postal Savings Bank. Zhongan Insurance jointly organized the first domestic real estate transaction insurance - "trade insurance" product launches. This is the first use of the real estate property transaction insurance this professional financial instruments for real estate transactions to provide security products, it will completely rebuild the domestic second - hand housing transactions process, greatly improving the efficiency and security of real estate transactions, causing A lot of banks and insurance companies close attention.This paper chooses the "trade guarantee" introduced by Dadao Financial Service Company as a typical case, and analyzes the real estate property transaction insurance in detail. The paper is divided into six parts. The introduction part expounds the research background, the research significance, the research content and the method of the real estate property transaction insurance, summarizes the existing research literature and makes the concept of real estate property transaction insurance itself Concept definition,at the same time on the innovation and shortcomings of this article made a detailed description. In the case section, on the Avenue of gold clothing with a number of insurance companies launched the first real estate transaction insurance products - "trade insurance" to do a more detailed introduction. In the case analysis section, the author discusses the risks existing in the real estate transaction, including the risk of the transaction subject, the risk of the transaction housing and the risk of the transaction procedure. At the same time, it analyzes the real estate property transaction insurance and other real estate related insurance And describes the role of real estate property transaction insurance in real estate transactions. Followed by China's real estate property transaction insurance products made a detailed exposition. And then describes the development of real estate property rights insurance in the United States, and reveals its revelation to China. Finally, based on the above analysis, the development of real estate property rights insurance in China put forward relevant suggestions.