摘要
中美个人住房抵押贷款保证保险风险保障机制的比较表明：良好的监管是保障机制的前提。当前中国房贷险的主要障碍是缺乏社会信用管理体系及信用风险的评估和防范经验，必须建立起实时有效的房贷险保障机制。
Comparative studying on USA＇s and China＇s experience in risk security mechanism of housing loans guarantee insurance, it indicates that good supervisal is the premise of security mechanism. At present, main obstacles to Chinese housing loans guarantee insurance are the absence of social credit management system and evaluation of credit risk as well as risk prevention experience. So it is urgent to build real-time effective security mechanism of housing loans insurance.
出处
《改革》
CSSCI
北大核心
2006年第5期92-96,共5页
Reform
关键词
房贷险
风险保障机制
信用担保
保障深化
homing loans guarantee insurance, risk security mechanism, credit guarantee, security deepening
