抵押贷款保险

市场创新主要涉及住房抵押贷款保险市场的完善和二级市场的开拓；

Market innovation is mainly about consummation of mortgage insurance market and establishment of secondary mortgage market .

众议院共和党人们更希望政府完全脱离抵押贷款保险业务的计划。

House Republicans prefer a plan that gets the government entirely out of the mortgage insurance business .

信息不对称下住房抵押贷款保险机制的博弈分析

Game Analysis on Housing Mortgage Loan Insurance Mechanism under Information Asymmetry

第一部分是对住房抵押贷款保险的概述。

The first part is a summary of housing mortgage loan insurance .

住房抵押贷款保险可分为政策性保险和商业性保险。

Housing loan insurances include policy insurance and commercial insurance .

构建住房抵押贷款保险体系的研究

The Research on Building Housing Mortgage Loan Insurance System

借鉴美国成功经验发展我国住房抵押贷款保险市场

Using America for Reference and Developing China 's Housing Mortgage Loans Insurance Market

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

住房抵押贷款保险制度的应有考虑

On the housing mortgage loan insurance

抵押贷款保险中的超额保险现象，也是不动产保险值得探讨的一个问题。

The overinsurance in mortgage insurance is also a subject worthy of argument in real estate insurance .

笔者认为，从制度建设入手，建立完善的住宅抵押贷款保险机制，是从根本上防范住宅金融风险的重要举措。

The author believes that establishing a sophisticated home mortgage insurance system is essential to avoiding those risks .

第三部分是关于对我国住房抵押贷款保险体系设计的探索。

The third part is a research on designing the system of housing mortgage loan insurance in China .

主要内容及观点全文分为四章。各章的具体内容如下：第一章对我国住宅抵押贷款保险市场发展和完善的必要性进行了分析。

Chapter Two studies the feasibility to develop and perfect our state 's personal housing mortgage loan insurance market .

然后，在此基础上进一步探索住宅抵押贷款保险市场发展和完善的现实可行性，主要从住宅抵押贷款保险市场的基础、政策导向和市场组成要素等方面进行了比较全面的论证。

Third , to develop and perfect the personal housing mortgage loan insurance market has been of momentous current significance .

本文分为四个部分，对构建住房抵押贷款保险体系进行探讨。

The following four sections are included in this thesis to discuss how to build the system of housing mortgage loan insurance .

住房抵押贷款保险，对于化解银行信贷风险、刺激个人住房消费发挥着重要作用。

The insurance of the housing mortgage credit plays an important role on dissolving Bank credit risk and stimulating personal house consumption .

作为房地产金融的一个重要组成部分，个人住房抵押贷款保险对银行、购房者以及保险公司都带来了多方面的积极作用。

As an important part of real estate finance , it has positive effects on banks , house buyers and insurance Companies .

在办理个人住房抵押贷款保险中，保险公司违规支付高额代理手续费已成为保险业的普遍现象。

In mortgage loan insurance , breaching the regulations to pay agency service charge has already been the widespread phenomenon of the insurance industry .

但那些抵押贷款保险人的财务状况看起来也不太健康，所以风险最终还是可能落到这对难兄难弟身上。

But the finances of the mortgage insurers do not look that healthy , which may mean the risk ends up back with the siblings .

房地产市场的三大参与者开发商、购房者、银行，均因房屋抵押贷款保险的出现而得到了益处。

Real estate developers , buyers and banks , the three parties of real estate market , all obtained benefits from housing mortgage loan insurance .

第二部分是从不动产担保、住房抵押贷款保险以及住房抵押贷款证券化三方面介绍国外的相关法律制度。

The second part is to introduce the correlative legal system overseas , mainly including the realty guaranty , loan insurance and the securitization for home mortgage .

笔者认为，完善住房抵押贷款保险，并构建住房抵押贷款保险体系，是化解住房抵押贷款风险势在必行的措施。

To reduce the risk of housing mortgage loan , the author proposes that it is imperative to perfect housing mortgage loan insurance and to build a system of housing mortgage loan insurance .

目前我国住房抵押贷款保险市场缺乏竞争性机制，从长远来看不利于住房消费信贷的发展和保险公司运营水平的提高。

Currently , China 's housing mortgage loan insurance market lacks competing mechanism . In the long run , the situation is not beneficial to the development of housing mortgage load business and the improvement of insurance companies'operation .

我们必须立足对国内现状和存在问题的分析，并参考借鉴发达国家成熟市场的经验，来改善我国住房抵押贷款保险市场的运作。

Based on the analysis of the domestic situation and reference to the experience of developed countries , this paper puts forward some suggestions aiming to improve the efficiency and effectiveness of China 's housing mortgage loan insurance market .

通过分析国内现行的抵押贷款保险体系中存在的问题，提出了发展住房按揭保险的一些建议、想法，以促进个人住房抵押贷款的良性发展，推动住房商品化的顺利进行。

On analyzing the problems in our country 's mortgage loans insurance system , some advice and proposals have been advanced in order to promote the housing mortgage loans market developing soundly as well as to propel the housing commodity forward .

第二部分是对个人住房抵押贷款保险制度存在的必要性分析，从理论上阐明了个人住房抵押贷款保险存在的基础，并分析了保证保险产生的必然性。

In the second part , I introduce the theoretical basis and the development of Residential Mortgage Loan Insurance . as well as the need for its existence . Theoretically explain its foundation of existence , and analyze the resulting necessity to ensure that insurance .

住房抵押贷款偿还保险精算模型研究

A Study on Actuary of Housing Mortgage Loans Insurance

行程预订、抵押贷款和保险申请就是其中的三个例子。

Travel booking and mortgage and insurance applications are just three of the many examples .

房地产抵押贷款保证保险首先兴起于美国，后被其它国家所效仿。

The guarantee insurance of real estate mortgage first sprung up in U. S. , later spread to other countries .

中美个人住房抵押贷款保证保险风险保障机制的比较表明：良好的监管是保障机制的前提。

Comparative studying on USA 's and China 's experience in risk security mechanism of housing loans guarantee in - surance , it indicates that good supervisal is the premise of security mechanism .