【作者】 闵敏；

【导师】 艾建国；

【作者基本信息】 华中师范大学 ， 区域经济学， 2003， 硕士

【摘要】 随着住宅业的发展，住房抵押贷款业务逐年增加，同时其风险也日益增大。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。 在我国现有的住房抵押贷款保险业务中，存在许多问题。在本文中，笔者通过分析这些现状以及借鉴国外经验，试图探索如何构建符合我国国情并切实可行的住房抵押贷款保险体系，特别是对政策性住房抵押贷款保险——担保制度的建立进行了初步探讨。 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。 第一部分是对住房抵押贷款保险的概述。首先介绍了住房抵押贷款保险的概念，并通过把住房抵押贷款保险业务分为三类(财产保险、人身保险、履约保险)来揭示其内涵；然后分析了住房抵押贷款具有的风险(系统性风险、经营性风险)，认为其中大多数风险必须通过开展住房抵押贷款保险才能化解；最后指出了我国发展住房抵押贷款保险的可行性(我国房地产业发展日益成熟、住房市场需求潜力巨大、保险市场初步形成、国外经验可作借鉴)。 第二部分从两个方面对美国、加拿大、法国和英国的住房抵押贷款保险体系进行介绍和分析。一方面，分别介绍了这四个国家的住房抵押贷款保险的概况；另一方面，把它们分为两种模式(北美国家公营和私营相结合的住房抵押贷款保险体系模式、引入寿险和担保政策相结合的住房抵押贷款保险体系模式)并加以分析。 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。在分析了我国已有住房抵押贷款保险情况(我国住房抵押贷款保险业务已初具规模，但仍存在不少问题；已有的住房抵押贷款保险的品种单一，覆盖面很窄；现行的住房抵押贷款保险在实际操作中存在许多误区)的前提下，笔者提出针对不同消费者建立多种保险方式的住房抵押贷款保险体系，包括：为中低收入居民服务的政策性住房抵押贷款保险机构、为中等偏上及高收入居民服务具有多种险种的商业性保险机构和为促进住房抵押贷款证券化的政策性保险机构。一 第四部分是对建立担保制度的初步探讨。笔者认为实行担保制度是非常必 要的（有助于提供居民的福利、有助于促进住房抵押贷款一级市场的发展、有助于化解贷款银行的信贷风险、有助于催生住房抵押贷款的二级市场），并认为我国已有担保公司可以分为三种形式（作为政府机构下属单位的住房置业担保公司形式、由大型企业集团出资成立的住房置业担保公司形式、股份制的住房置业担保公司形式）。针对这些现状。笔者提出了几条关于建立担保制度的建议：成立一家全国性的住房置业担保机构；更改相关法律规定，使担保制度合法化；根据具体情况，制定具体的操作规范；建立合理的融资机制；加强担保机构的管理与风险防范。更多还原

【Abstract】 With the development of housing industry, the transaction of housing mortgage loan has been on the increase annually and its potential risk is high. 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.There are a lot of problems in the existing housing mortgage loan insurance in China. In this thesis, the author tries to explore how to build a feasible system of housing mortgage loan insurance, which accord with the situation of China, based on the domestic conditions and overseas experience. Especially the housing mortgage loan insurance of government credit guarantee-bonding system is primarily discussed to build.The following four sections are included in this thesis to discuss how to build the system of housing mortgage loan insurance.The first part is a summary of housing mortgage loan insurance. First, the concept of housing mortgage loan insurance is given, and three kinds of housing mortgage loan insurance are categorized to clarify its meaning. Secondly, the risks of housing mortgage loan are analyzed. It is proposed that most of the risks must be reduced by housing mortgage loan insurance. Finally, the feasibility of developing housing mortgage loan insurance in China is derived.In the second part the housing mortgage loan insurance system of US, Canada, France and the U.K. are introduced and analyzed in two perspectives. On the one hand, the general situations of housing mortgage loan insurance system in these four countries are introduced respectively. On the other hand, two different modes are given to characterize them.The third part is a research on designing the system of housing mortgage loan insurance in China. Based on the current situation of Chinese housing mortgageloan insurance, a comprehensive system of housing mortgage loan insurance, which caters for the different consumers’ demands for insurance, is put forward by the author. This system includes: housing mortgage loan insurance institution of government credit guarantee for the denizens of humble income and general income; commercial housing mortgage loan insurance institution of having diversiform insurance fashions for the denizens of general income and booming income; and bonding institution of government credit guarantee for promoting housing mortgage loan to securitization.The last part discusses primarily on how to build bonding system. The author proposes that it is vital to put bonding system into practice, and that the domestic housing bonding companies should be separated into three forms. Aiming at these situation, some advices are given to build bonding system: building a nationwide housing bonding institution; revising corresponding law regulation to legalize bonding system; setting down the corresponding manipulative criterions by an empirical approach; building suitable financing system; strengthening the management of the bonding institution and risks prevention.更多还原