论我国住房抵押贷款保险市场的改革

Research on the Reform of China's Housing Mortgage Loan Insurance Market

目前我国住房抵押贷款保险市场缺乏竞争性机制,从长远来看不利于住房消费信贷的发展和保险公司运营水平的提高。我们必须立足对国内现状和存在问题的分析,并参考借鉴发达国家成熟市场的经验,来改善我国住房抵押贷款保险市场的运作。

Currently, China's housing mortgage loan insurance market lacks competing mechanism.In the long run, the situation is not beneficial to the development of housing mortgage load business and the improvement of insurance companies'operation. Based on the analysis of the domestic situation and reference to the experience of developed countries,this paper puts forward some suggestions aiming to improve the efficiency and effectiveness of China's housing mortgage loan insurance market.