银行贷款抵押财产保险的创新

The Innovation of Mortgage Loan Property Insurance Plan

开展银行贷款抵押财产保险是银行加强抵押财产风险管理,确保贷款资产安全的重要途径。目前,银行和保险的业务操作和相关产品无法适应市场需求,亟待改进。根据抵押财产保险现状,应对现有产品进行创新,共同改进银行和保险公司业务操作方式,确保该项业务的健康持续发展。

The mortgage loan property insurance is an important tool for strengthening risk management of collaterals and ensuring security of the loan assets for banks. The current operation of banks and insurers and the relevant products don＇t fit market demands very well, therefore should be improved. According to the current situation of collateral-based property insurance, we should innovate on current insurance products and reform the business procedures of banks and insurance companies to guarantee healthy and continuous development of this business.