建立住房抵押贷款保险制度 促进房地产市场的发展

Setting up Insurance System of Housing Mortgage Loan to Boost the Development of Real Estate Market

文章针对目前国内个人住房消费的现状，对现行的抵押贷款体系中存在的问题进行了分析与研究，提出了相应的对策，即建立住房抵押贷款保险制度。借鉴国际上发达国家的做法，通过保险分散抵押贷款的风险，完善社会保障体系，促进个人住房抵押贷款的良性发展，进而推动房地产市场的健康发展。

According to the current personal housing consumption in China, this paper analyzes the current problem in mortgage loan system and presents corresponding countermeasures, which is to set up insurance system of housing mortgage loan. Borrow ideas from the measures of developed countries, the risk of mortgage loan can be decentralized by insurance. To well establish the social security system, personal housing mortgage loan will be developed healthily, so that it can improve the well development of real estate market.