本文關鍵詞： 住房抵押貸款 住房抵押貸款保險 住房保障制度 SWOT分析　出處：《西南財經(jīng)大學》2014年碩士論文　論文類型：學位論文

【摘要】：伴隨我國個人住房貸款余額逐年攀升的是我國消費信貸化和住房市場化的剛剛起步,為了化解住房抵押貸款中的風險和弊端,我國在1992年推出了第一張抵押住房保單,但經(jīng)過20余年的發(fā)展,其暴露出的各種詬病,使其不能被大眾廣泛的接受。 鑒于我國目前住房抵押貸款保險的現(xiàn)狀及問題,本文通過文獻的總結(jié)分析,發(fā)現(xiàn)國外對于住房抵押貸款保險的發(fā)展已相當成熟,而國內(nèi)對于它的實踐和研究從上世紀90年代才開始逐漸增多,但同時可以看到的是國內(nèi)對住房抵押貸款保險的研究還有不足與空白之處。 因此本文創(chuàng)新之處在于,按照發(fā)現(xiàn)問題、分析問題、解決問題的思路,重點采用文獻研究、理論分析、比較研究法、數(shù)據(jù)分析法對我國個人住房抵押貸款保險的若干缺陷與改進做出分析。首先從發(fā)現(xiàn)住房抵押貸款保險的若干缺陷開始,然后結(jié)合國外的成功經(jīng)驗對這些缺陷做出詳細分析,最后提出對該保險的改進及建議,以此彌補了我國目前在對具體如何設計優(yōu)化住房抵押貸款保險研究的空白,這也將有助于我國的住房保障制度的不斷發(fā)展。 本文分為五個部分,分別是： 第一章,發(fā)現(xiàn)問題。首先提出的本文研究背景、研究目的和意義,其次對國內(nèi)外的研究做文獻綜述,最后提出筆者研究的內(nèi)容及方法、論文的創(chuàng)新點以及邏輯框架圖。 第二章,分析問題。從住房抵押貸款保險的內(nèi)涵和我國的現(xiàn)狀出發(fā),對我國目前住房抵押貸款保險的：險種產(chǎn)品單一、產(chǎn)品條款本身的設計不規(guī)范、政策與營銷三大方面的缺陷做重點闡述。 第三章,分析問題。從分析解決問題的角度出發(fā),借鑒國外成功經(jīng)驗,對國外如何解決第二章中提到的住房抵押貸款保險的三大問題做重點梳理闡述,最后通過表格對比分析標記各國住房抵押貸款保險模式的特色,為我國房貸險產(chǎn)品的設計起到一定的借鑒意義。 第四章,解決問題。結(jié)合國外成熟經(jīng)驗和我國具體國情,對我國住房抵押貸款保險做出具體的設計與改進,并對改進后的住房抵押貸款保險的可行性運用SWOT分析法做出了討論。 第五章,結(jié)論�？偨Y(jié)全文,同時指出本文的不足及進一步研究方向。
[Abstract]:With the increasing balance of personal housing loan in China, the consumer credit and housing marketization have just started. In order to resolve the risks and disadvantages of housing mortgage loan, China launched the first mortgage housing policy in 1992. But after more than 20 years of development, it exposed a variety of denunciations, so that it can not be widely accepted by the public. In view of the current situation and problems of housing mortgage loan insurance in China, this paper, through the summary and analysis of the literature, finds that the development of housing mortgage loan insurance in foreign countries has been quite mature. But the domestic practice and research on it began to increase gradually since -10s, but at the same time, it can be seen that there are still deficiencies and gaps in the domestic research on mortgage insurance. So the innovation of this paper is, according to the idea of problem finding, problem analysis, problem solving, literature research, theoretical analysis, comparative research, The data analysis method analyzes the defects and improvement of personal housing mortgage insurance in China. Firstly, it begins with the discovery of some defects in housing mortgage insurance, and then makes a detailed analysis of these defects in combination with the successful experience of foreign countries. Finally, the improvement and suggestion of the insurance are put forward, which make up the blank of the research on how to design and optimize the mortgage insurance in our country at present, which will also contribute to the continuous development of the housing security system in our country. This paper is divided into five parts:. The first chapter is the research background, purpose and significance of this paper, and then the literature review of the domestic and foreign research. Finally, the contents and methods of the research, the innovation of the paper and the logical frame diagram are put forward. The second chapter, analysis of the problems. From the connotation of housing mortgage insurance and the current situation of our country, the current housing mortgage loan insurance in China: insurance products are single, the design of product terms itself is not standard, Policy and marketing of the three major shortcomings of the focus. From the angle of analyzing and solving the problem, drawing lessons from the successful experience of foreign countries, the third chapter focuses on how to solve the three major problems of housing mortgage insurance mentioned in the second chapter. Finally, this paper compares and analyzes the characteristics of the mortgage insurance model in various countries, which can be used for reference in the design of mortgage insurance products in China. Chapter 4th, solving problems. Combined with the mature experience of foreign countries and the specific situation of our country, we make concrete design and improvement to the housing mortgage loan insurance of our country. The feasibility of the improved mortgage insurance is discussed by SWOT method. Chapter 5th, conclusion. Summarize the full text, at the same time point out the deficiency of this article and further research direction.
【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.45;F842.6

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