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在改革开放的大潮中,保险如何为住房制度改革服务?中保财产苏州分公司锐意进取,大胆探索,在近年推出了“职工购建房贷款综合保险”。 一、购建房贷款综合保险缘起的背景。 1992年7月,苏州市建立了住房公积金制度,为职工购建房提供了基金。为防止个人借款过程中基金的流失,市房改办委托建设银行办理借款事宜。这是苏州市建设银行建行以来首次向个人提供贷款。风险自不必说。如何避免风险呢?在商讨制定贷款试行办法时,有关部门提出了由借款所在单位担保,以及
In the tide of reform and opening up, how insurance for housing reform services? PICC Suzhou Branch forge ahead with determination and bold exploration, in recent years launched the “workers buy and build loan comprehensive insurance.” First, the purchase of comprehensive insurance from the background of the loan. July 1992, Suzhou City, the establishment of housing provident fund system for the purchase of housing construction workers to provide a fund. In order to prevent the loss of funds in the process of personal borrowing, the municipal housing reform commissioned the Construction Bank to handle the loan issues. This is the first time that Suzhou Construction Bank has provided loans to individuals since its founding. Needless to say the risk. How to avoid the risk? In discussing the establishment of a pilot scheme for loans, the relevant departments proposed to be borne by the borrower unit and