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近年来 ,我国住房抵押贷款保险有了喜人的变化 ,并逐步趋于合理化。但由于房贷保险过分强调银行信贷安全 ,仍存在诸多问题。加之各地做法不一 ,观念上和实践上均有不少误区 ,亟待规范。应进一步明晰房贷保险中购房者、银行、保险公司三者之间的法律关系 ,澄清房贷保险中财产保险、信用人寿保险、保证保险三者的区别。应完善住房抵押贷款保险的相关法规 ,进行制度重构。如导入国家信用 ,完善险种安排 ;设立保险准备基金 ,规范房贷保险业 ;完善房贷保险的基本制度 ;完善相应的社会配套机制与环境
In recent years, China’s housing mortgage loan insurance has made a wonderful change, and gradually tend to rationalize. However, due to excessive emphasis on mortgage insurance mortgage insurance bank, there are still many problems. Coupled with different practices around, both in concept and in practice, there are many errors, urgent norms. Should further clarify the mortgage insurance buyers, banks, insurance companies the legal relationship between the three, to clarify the mortgage insurance in property insurance, credit life insurance, insurance, the difference between the three. The relevant laws and regulations on housing mortgage loan insurance should be improved and the system reconstructed. Such as the introduction of national credit, improve insurance arrangements; the establishment of insurance reserve fund, standardize the mortgage insurance; improve the basic system of mortgage insurance; improve the appropriate social support mechanisms and the environment