住房抵押贷款保证保险法律问题的研究

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1、黑龙江大学硕士学位论文燃合作”的发展趋势，强调监管对维系国家经济金融稳定的重要作用。相关配套措施的完善，将进一步促进我国住房抵押贷款保证保险业务的健康发展。关键词：住房抵押贷款；保证保险；保险利益；追偿权；立法完善AbstractGuaranteeinsuranceisinsured．totheinsurerwillpayforthepremium，insuranceinsuredinsurantfailstoperformtheobligationsordishonestbehaviorriskofloss，whentheinsuredsufferstheloss，th

2、einsurershallaccordingtothelawgivetheinsurancecompensationsystem．Andtheguaranteeinsuranceofaspecialtypeisthehousingmortgageguaranteeinsurance，isabankinordertopreventthepossiblelossofabilitytorepayloanlenderrisk，improvethesecurityoftheloan，therebyreducingtheriskofbaddebtsandinsurancecompan

3、yrunbythejointtoaninsurance．China'shousingmortgageloaninsurancesystemisinthelateninety’Swiththeurbanhousingsystemreformandintroducedfromforeigncountries，asanimport，aftertenyearsofdevelopment，hascertainsocialbenefits．ButChina'shousingmortgageloanguaranteeinsurancesystemhasobviousdefectsini

4、nsuranceindustryitself,thehighdegreeofrisk，thepracticehasmanyproblems，directlyaffectthesystemhealthydevelopmentinchina．Atthesametime，theoryofthenaturetohavetheargument，toproduceavarietyofdifferenttheories．Thecorrespondinglegislationisobviouslyinsufficient，thejudicialpracticeisinchaos，aser

5、iesofproblemsaresolvedurgently．Inviewofthis，thisarticleattemptsfromtheinterpretationofthebasictheoryofset，clearthenatureofmortgageguaranteeinsurance，combinetypicalcasetoundertakepracticalanalysis，combingthepartiestoacontractbetweenthemainlegalrelationship，effortstoexploreandconstructtheco

6、mprehensivelegislationsystem，andstrivetoChina’Shousingmortgageguaranteeinsuranceoffurtherdevelopmentofhelp．Thefulltextisdividedintothreechapters：Thefirstchapterofmortgageguaranteeinsuranceofinterpretationofthebasictheoryof．Firstly,guaranteeinsuranceandmortgageguaranteeinsuranceconceptwasc

7、lear．Throughthevarioustheoriesoftheintroduction，detailedstudyofhousingmortgageloaninthelegalnatureofguaranteeinsurance，tocontributetothepracticeof．．III．．黑龙江大学硕士学位论文disputeresolution．Onthecontractelementsofdetailedanalysis，makeUSofmortgageguaranteeinsuranceofamorepro