| 1. | The first part is a summary of housing mortgage loan insurance
第一部分是对住房抵押贷款保险的概述。 |
| 2. | There are a lot of problems in the existing housing mortgage loan insurance in china
在我国现有的住房抵押贷款保险业务中，存在许多问题。 |
| 3. | The third part is a research on designing the system of housing mortgage loan insurance in china
第三部分是关于对我国住房抵押贷款保险体系设计的探索。 |
| 4. | The following four sections are included in this thesis to discuss how to build the system of housing mortgage loan insurance
本文分为四个部分，对构建住房抵押贷款保险体系进行探讨。 |
| 5. | First , the concept of housing mortgage loan insurance is given , and three kinds of housing mortgage loan insurance are categorized to clarify its meaning
第二部分从两个方面对美国、加拿大、法国和英国的住房抵押贷款保险体系进行介绍和分析。 |
| 6. | To reduce the risk of housing mortgage loan , the author proposes that it is imperative to perfect housing mortgage loan insurance and to build a system of housing mortgage loan insurance
笔者认为，完善住房抵押贷款保险，并构建住房抵押贷款保险体系，是化解住房抵押贷款风险势在必行的措施。 |
| 7. | And now , in our country , residential mortgage loan insurance is only in the beginning of its development , far from mature . we can see that there are few insurance products and insurance liabilities , etc .
但是，目前我国个人住房抵押贷款保险尚处于起步阶段，落后于个人住房抵押贷款业务的发展，具体表现为险种和承保责任少、保费费率高、缴费方式不合理等。 |
| 8. | These proposals are shown here , to make the mortgage loan styles more suitable and more diverse . to develop mortgage loans insurance market greatly ; to implement housing mortgage - backed securities ( mbs ) at the right time : to reform the current housing residual fund systems
主要有完善并创新住房抵押贷款方式:大力发展担保保险中介机构，构筑住房消费贷款的风险防范和分散体系:适时推进住房抵押贷款证券化;改革当前的住房公积金制度等。 |
| 9. | However , there are still some inevitable risks . because of its risk transfer and loss compensation functions , residential mortgage loan insurance can prevent the risks of residential mortgage loan to a certain extent , so its importance has been revealed gradually
个人住房抵押贷款保险因其风险转移和损失赔偿机制在一定程度上可以防范和化解个人住房抵押贷款风险，其重要性随着个人住房抵押贷款业务的发展逐渐为国内各大金融机构(包括保险公司)所认识。 |
| 10. | The second section analyses effect of residential mortgage loan insurance from four different positions , such as positions of loan provider , housing buyer , etc . . the third section sets force actuality of chinese residential mortgage loan insurance , finds out that there are only three categories now , and compares several provisions between products from different insurance companies in same categories
第三部分阐述了个人住房抵押贷款保险的发展现状，指出我国目前仅有抵押房地产财产损失保险、个人住房抵押贷款保证保险以及个人住房抵押贷款借款人人身保险这三个险种，并就保险责任条款、保险金额条款、保费计算及缴付方式条款等方面对这三类险种中的几个不同保险产品进行了比较分析。 |
