个人住房贷款保险

全国首例个人住房贷款保险纠纷案评析

Comments on the First Case of Lawsuit Concerning Individual Housing Loan in China

个人住房贷款保险政策的出台，及时地解决和分散了银行业所承担的信贷风险。

Individual housing loan insurance policy introduced , timely resolution and dispersion of credit risk borne by the banking industry .

四是采用个人住房贷款保险，对商业银行进行风险转移，要求银行、开发商、购房人按照一定的比例共同负担保险费用，以银行作为受益人。

Fourth , adapt loan insurance on individual housing , transfer the risks from the commercial banks , and require banks , building companies , home buyers pay according to a certain percentage of co-insurance costs to banks as the beneficiary .

作为房地产金融的一个重要组成部分，个人住房抵押贷款保险对银行、购房者以及保险公司都带来了多方面的积极作用。

As an important part of real estate finance , it has positive effects on banks , house buyers and insurance Companies .

在办理个人住房抵押贷款保险中，保险公司违规支付高额代理手续费已成为保险业的普遍现象。

In mortgage loan insurance , breaching the regulations to pay agency service charge has already been the widespread phenomenon of the insurance industry .

第二部分从社会经济发展、购房者、抵押贷款发放机构以及保险公司等不同的角度，分析了个人住房抵押贷款保险的作用。

The second section analyses effect of Residential Mortgage Loan Insurance from four different positions , such as positions of loan provider , housing buyer , etc.

第二部分是对个人住房抵押贷款保险制度存在的必要性分析，从理论上阐明了个人住房抵押贷款保险存在的基础，并分析了保证保险产生的必然性。

In the second part , I introduce the theoretical basis and the development of Residential Mortgage Loan Insurance . as well as the need for its existence . Theoretically explain its foundation of existence , and analyze the resulting necessity to ensure that insurance .

个人抵押商品住房贷款保险研究

Study on the Insurance of the Home Mortgage

个人抵押商品住房贷款保险对实现居者有其屋的社会发展目标和经济发展的产业政策目标有着重要作用。

Insurance of the home mortgage plays an important role for realizing social development goal and industrial policy of economic development on person who occupy their room goal of great importance insurance .

中美个人住房抵押贷款保证保险风险保障机制的比较表明：良好的监管是保障机制的前提。

Comparative studying on USA 's and China 's experience in risk security mechanism of housing loans guarantee in - surance , it indicates that good supervisal is the premise of security mechanism .

第四章，就我国现在贷款银行、保险公司及借贷人（被保险人）的在个人抵押商品住房贷款保险业务中的冲突，进行了详尽的分析。

Chapter four , has carried on exhaustive analysis conflict of the insurance business about our country lending bank , insurance company and debtor ( the assured ) in insurance of the home mortgage now .

同时，对个人抵押商品住房贷款保险市场发展中的问题进行了分析并提出了解决的对策，可供政府和住房抵押贷款发放机构及保险公司参考。

Meanwhile , has analyzed and put forward the countermeasure solved to problem of insurance of the home mortgage , market of development , suitable for the government and home mortgage 's granting the organization and insurance company to consult .

为了抢占个人住房抵押贷款市场，中国建设银行、中国工商银行和交通银行已宣布取消了个人住房抵押贷款必须购买保险的规定。

In order to seize the personal housing mortgage loan market , China Construction Bank , Industrial and Commercial Bank of China and Bank of Communications have announced the cancellation that the individuals must purchase mortgage insurance .