试论我国住房抵押贷款保险制度的建立与深化

Study of Setting up Residence Pawn Loan Insurance System

住房抵押贷款孕含着信贷风险。我国住房抵押贷款保险制度滞后 ,缺少政府机构参与 ,公众社会保险意识缺乏。应借鉴国外成功经验 ,政府机构介入住房抵押贷款保险领域 ,构建多层次保险体系 ,推行部分保险、定期保险、浮值保险 ,建立住房抵押贷款二级市场 ,简化贷款手续 ,建立政府住房抵押贷款保险基金等。

Residence pawn loan involves repulation risks. Learn from foreign experience, governmrnt should be involved in residence insuranc system and building residence pawn loan insurance markets and governing residence insuranc foundation.