房贷险

美国房贷险运行机制对我国的启示

The Mortgage Insurance Mechanism of the America and Its Indication to China

用多源流理论分析我国房贷险现状

Analysis on the Housing Loan Insurance Status with Multiple-Streams Theory

本文通过对我国住房贷款保险制度的介绍，分析了当前我国住房贷款保险存在的问题，并创造性地提出了诸如设立抵押房产财产保险和房贷险信用保险等相应的可行性对策。

In this paper , through the introduction of housing-loan insurance system , the problems existing in housing-loan insurance are analyzed and some relative feasible countermeasures such as designing mortgage property insurance and housing-loan credit insurance are put forward creatively .

当前中国房贷险的主要障碍是缺乏社会信用管理体系及信用风险的评估和防范经验，必须建立起实时有效的房贷险保障机制。

At present , main obstacles to Chinese hous - ing loans guarantee insurance are the absence of social credit management system and evaluation of credit risk as well as risk prevention experience . So it is urgent to build real-time effective security mechanism of housing loans insurance .