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中美房贷险风险保障机制的比较研究
引用本文:王彬,高广阔,宋艳婷.中美房贷险风险保障机制的比较研究[J].华东理工大学学报(社会科学版),2006,21(2):29-33.
作者姓名:王彬  高广阔  宋艳婷
作者单位:1. 复旦大学,上海,200433
2. 上海理工大学管理学院,上海,200093
3. 上海医疗器械高等专科学校,上海,200093
摘    要:针对当前房贷险颓势引致运行不畅现象,应用比较分析方法,借鉴美国房贷险风险保障机制的先进经验,并结合我国的国情,找出并剖析影响房贷险正常运行的诸多因素,提出建立有效房贷险风险保障机制的解决方案与政策建议。

关 键 词:房贷险  风险保障机制  信用担保  保障深化
文章编号:1008-7672(2006)02-0029-05
修稿时间:2006年4月20日

A Comparative Study on Risk Security Mechanism of Housing Loans Guarantee Insurance between China and U.S.A
WANG Bin,GAO Guang-kuo,SONG Yan-ting.A Comparative Study on Risk Security Mechanism of Housing Loans Guarantee Insurance between China and U.S.A[J].Journal of East China University of Science and Technology:Social Science Edition,2006,21(2):29-33.
Authors:WANG Bin  GAO Guang-kuo  SONG Yan-ting
Abstract:Aiming at the current non-expedite phenomenon resulting from the declining tendency of housing loans guarantee insurance, this paper applies the methodology of the comparative study, drawing on USA's advanced experience in risk security mechanism of housing loans guarantee insurance and taking the situation of our country into consideration, to find out and analyze a good many factors which affect the normal movement of housing loans guarantee insurance. Some solutions and policy advices for building an efficient risk security mechanism of housing loans guarantee insurance are also given.
Keywords:Housing Loans Guarantee Insurance  Risk Security Mechanism  Credit Guarantee  Security Deepening  
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