文档介绍：美国房贷险运行机制对我国的启示
高广阔王彬
(复旦大学,上海 200433)
[摘要]连年来我国个人信贷市场发展迅速,特别是占个人信贷 85%左右的个人住房抵
押贷款迅速发展,但与消费信贷业务的迅猛发展势头相比,房贷险则依旧处于起步摸索阶段。
本文在吸收美国等国家在房贷险运行机制方面的经验,提出发展我国房贷险业务的对策建
议,即:建立完善的政策体系;完善房贷险的外部环境;建立完善的风险储备基金;深化风
险保障机制,奠定产品创新基础;建立房贷险产品创新机制。
[关键词]房贷险;保险利益;运行机制;保险监管
[中图分类号] [文献标识码] A [文章编号]1004-3306(2006)06-0086-03
Abstract: The consumer credit market of China expanded rapidly in the past few
years, especially the rapid development of individual housing mortgages which
accounted for around 85% of the total consumer credit. However, parison with
the burgeoning growth of consumer credit business, mortgage insurance is still at
its initial development stage. This article absorbs experiences of America and other
countries on mortgage insurance, and puts forth a suggestion on the establishment
of a mortgage insurance business in China, namely, establishing plete policy
system, improving the external environment of mortgage insurance, establishing an
adequate risk reserve fund, improving the risk protection mechanism and laying a
foundation for product innovation and finally setting up an innovative mechanism
for mortgage insurance products.
Key words:mortgage insurance; insurance interest; operational mechanism;
insurance regulation
一、美国房贷险运行机制的启示
房贷险兴起于美国,后被其它国家所效仿,其功能在于分散风险,使债权信用增级,有
利于房地产二级市场的形成发展并可促进交易的实现。2004 年美国的住房抵押贷款中各