Housing Loan Insurance Study

Housing loan insurance has significant effect on realizing industrial targets of economy development and the social development goal that requires all citizens have their houses. However, until now, no scholar has systematically researched the theory on housing loan insurance. In practice, some problems have appeared and, to some extend, such situation has blocked further development of the theory. So, the author chose this issue to systematically summarize the theory on housing loan insurance and direct and standardize development of this kind of insurance.Since housing loan insurance is still very young in China and pertinent material is rare, the author decided to do qualitative analysis and finish a thorough research by regulatory research. Moreover, the author hopes to prepare necessary material and make ground for future experiential research by directing and standardizing our practice.In this article, first, the author introduces the characteristics, meaning , economic status, and actuality of housing loan insurance. Second, the author analyses relative system of foreign countries and reveals our current mechanism. Then, the author uses two parts to demonstrate popular discussions to this kind of insurance: one sums up current views and makes a conclusion according to the contracts of housing loan insurance; the other mainly discusses the risk management and supervisal on such insurance. In the last part on this article, the author gives the general suggestions on theory and practical and predicts such insurance's prospects of development, impacts to real estate and the whole economy in China.