Study On The Insurance Of The Home Mortgage

Insurance of the home mortgage plays an important role for realizing social development goal and industrial policy of economic development on person who occupy their room goal of great importance insurance. However, nobody has still done the systematic theoretical research to insurance of the home mortgage in our country, and insurance of the home mortgage in our country has exposed some questions in succession in the course of implementation, and has already influenced it to develop further to a certain extent. The cause that I choose insurance of he home mortgage as target that I study to is, can make one comparatively summary of system of home mortgage theory, and can provide some for development of the goods housing loan insurance business of the personal mortgage and have constructive suggestions.Because the development time in our country of insurance business of housing loan of personal mortgage goods is still not long, the statistical data is very incomplete, so the author adopts qualitative analysis to do more comprehensive research to the goods housing loan insurance problem of the personal mortgage mainly, hopes to pass to norm and guidance of practiceChapter one, is the introduction of this text, mainly explains the research background of insurance of the home mortgage, studies the research purpose of the meaning and research approach.Chapter two, sets about from the home mortgage in the risk, studies the scope of application, intension, attribute, function and social economic status of insurance of the home mortgageChapter three details domestic and international current situation of insurance of the home mortgage, an outstanding problem in implementing of insurance of the home mortgage of our country, insurance of the home mortgage of American-European countries can offer some experience of ours.Chapter four , has carried on exhaustive analysis conflict of the insurance business about our country lending bank, insurance company and debtor (the assured) in insurance of the home mortgage now.Chapter five, according to the current situation of insurance of the home mortgage of our country and each side of contradiction of insurance of the home mortgage, proposes some solutions, puts forward to the thinking of setting up goods housing loan insurance assortment of the new-type insurance of the home mortgage.In a word, this text has carried on research to insurance of the home mortgage more systematically and in an all-round way, has proposed some new views, has designed some new insurance kinds, has perfected the insurance kind structure of the personal mortgage goods housing loan insurance of our country to a certain extent; Meanwhile , has analyzed and put forward the countermeasure solved to problem of insurance of the home mortgage, market of development, suitable for the government and home mortgage's granting the organization and insurance company to consult.