And now , in our country , residential mortgage loan insurance is only in the beginning of its development , far from mature . we can see that there are few insurance products and insurance liabilities , etc . 但是，目前我国个人住房抵押贷款保险尚处于起步阶段，落后于个人住房抵押贷款业务的发展，具体表现为险种和承保责任少、保费费率高、缴费方式不合理等。
As to the reason , i think it due to the monopolization of residential financial market to a great extent . for example , mortgage loan borrower is obliged to buy insurance , otherwise is not able to get the money 但是，随着住房置业担保这种担保形式对个人住房抵押贷款保险市场的冲击，加上入世后金融市场逐渐放开，对个人住房抵押贷款保险进行革新非常紧迫和必要。
However , there are still some inevitable risks . because of its risk transfer and loss compensation functions , residential mortgage loan insurance can prevent the risks of residential mortgage loan to a certain extent , so its importance has been revealed gradually 个人住房抵押贷款保险因其风险转移和损失赔偿机制在一定程度上可以防范和化解个人住房抵押贷款风险，其重要性随着个人住房抵押贷款业务的发展逐渐为国内各大金融机构(包括保险公司)所认识。
But with the unceasing development of the housing loan total quantity and with the character of expensive value , the deadline long , the poor liquidity , the strong policy - type , as well as the housing loan business development time is not long in our country at present , the housing loan insurance , two levels of markets growth will be seriously insufficient , the commercial banks lack the risk disperser and the shift mechanism situation , they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually 但随着住房贷款总量的不断增加和住房贷款本身数额大、期限长、流动性差、政策性强等特点,以及在我国目前住房贷款业务发展时间还不长,住房贷款保险、二级市场发育严重不足,商业银行缺乏风险分散和转移机制的情况下,使得住房贷款的风险在商业银行中日益积累和逐步显现出来。
The second section analyses effect of residential mortgage loan insurance from four different positions , such as positions of loan provider , housing buyer , etc . . the third section sets force actuality of chinese residential mortgage loan insurance , finds out that there are only three categories now , and compares several provisions between products from different insurance companies in same categories 第三部分阐述了个人住房抵押贷款保险的发展现状，指出我国目前仅有抵押房地产财产损失保险、个人住房抵押贷款保证保险以及个人住房抵押贷款借款人人身保险这三个险种，并就保险责任条款、保险金额条款、保费计算及缴付方式条款等方面对这三类险种中的几个不同保险产品进行了比较分析。
In order to deal with the banks " internal problems , the thesis recommends to renovate business organization , complete risk management mechanism , develop moral risk prevention mechanism , cultivate corporate culture valuing " good practice " and construct customer financial risk warning models 为解决银行自身信贷风险控制存在的问题，文章提出了创新信贷组织机构、建立和完善风险管理机制、建立完善预防道德风险的有效机制、建立贷款保险制度、打造优秀的信贷文化、构建客户信贷风险预警模型等六大对策。
Based on the current situation of chinese housing mortgage loan 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 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。
The author make a great attention and also give some original views in the development of housing mortgage loan security in our country such as : the governmental support is of great importance in developing housing mortgage loan security market ; we must establish loan insurance system , reputation grade system and guarantee system of exceeded loan in order develop our h ousing mortgage loan security positively & rapidly 并对此提出从推进住宅抵押贷款证券化市场建设，积极培育市场环境，注重相关人才的培养等三方面来推行住宅抵押贷款证券化的对策，特别提出推行住宅抵押贷款证券化离不开政府的支持，必须有良好的信用评级机构，必须建立贷款保险制度及超额担保制度的确立等新的见解。
There are five viewpoints as follows : firstly , the successful practice of personal housing mortgage loan requires consummate housing mortgage loan market system and participation of housing mortgage loan insurance guarantee agencies supported by government . secondly , it needs related rules and laws for guarantee thirdly , it should make varies ways of paying back to adjust to different families who has different incomes , hobbies and age structure . fourthly , the government should put more emphasis on the low and medium income families for their housing purchase loan 即个人购房抵押贷款的成功运作需要有完善的住房抵押贷款市场体系和政府支持的购房抵押贷款保险担保机构的参与；要有相关法规作保障；抵押贷款还贷方式的设定应灵活多样，以适应不同收入、不同偏好、不同年龄家庭对抵押贷款的需求；政府应重点支持中低收入家庭购房贷款；个人购房抵押贷款不仅有赖于商业性金融机构的参与，而且也要有政府成立政策性住房金融的支持。
However , with the impact of housing loan guarantee , and gradual opening of chinese financial market , renovating residential mortgage loan insurance is imperative under the situation . deep study is done on residential mortgage loan insurance by this thesis , and there are four sections : the first section expatiates background and significance of the study on residential mortgage loan insurance , makes a clean definition of this insurance , points out that precondition of residential mortgage loan insurance is existence of risks , and sets force functions of residential mortgage loan insurance 在此背景下，本论文对个人住房抵押贷款保险进行了深入研究，全文分为四个部分：第一部分阐释了个人住房抵押贷款保险研究的背景及其意义，指出风险的存在是个人住房抵押贷款保险存在的前提，对个人住房抵押贷款保险进行了定义，阐述了个人住房抵押贷款保险的基本职能及派生职能，并指出了住房置业担保与个人住房抵押贷款保险之间的区别与联系。
