住房按揭贷款保证保险防范风险的法律适用_经济法学论文【精品论文】.doc

×?·?°′?ò′???±￡?¤±￡??·à·?·???μ?·¨?éêêó?(1)_?-??·¨?§???? ???aòa???à1ú′???·?′??￡?ú?￠?D1ú512??áòμ??e￡???ê1×?·?′????ú11?Yè?T?T?±??ˉ?3μ??￡±￡?¤±￡???ü1?·à·?′???·?′??￡?ú?￠?ˉ?aò?DD′???·???￡?±ü?a°′?ò′????òêüè?òòòaíaê?1êòy?eμ?ò?·?μ????￠±??è°á?¨μè·???￡????ó±￡??1???òμ??á??￡μ?ê?￡?±￡?¤±￡???úêμ?ê?Dè′??óDí?1?ó|ó?￡?Dèòa′ó·¨?éé??÷è·±￡?¤±￡??μ?D??ê?￠í3ò??à1?·¨?é1??¨￡???±?ò?DDò???ê?μ???????í?DD′???±￡???￠±￡??1???éè??àí?aê????°????±￡??·?ó?2?o?àíμè?éD?￡?íêé?±￡??è?′ú???ó3￥è¨μ?1??¨?￡ ??1??ü′ê??×?·?°′?ò′???￡?±￡?¤±￡??￡?′?′??￡?ú￡?512??áòμ??e ??ó￠???aòa??The US subprime mortgage crisis and the serious Wenchuan earthquake in China both make the banking institutions in a predicament￡?The mortgage guarantee insurance may prevent the subprime mortgage crisis￡?dispel the loan risk of banks￡?avoid losing house of loanee and promote the business of insurance companies￡?However￡?the guarantee insurance is not applied widely￡?It is necessary for us to clarify the nature of mortgage insurance￡?unify the provisions for it￡?change the unreasonable mandatory insurance￡?insurance accident and premium￡?improve the provision for the right of subrogation of the insurer￡? ??ó￠??1??ü′ê??mortgage of housing￡?guarantee insurance￡?subprime mortgage crisis￡?Wenchuan Earthquake ò???? ′ó2006?ê′o?aê?￡??à1ú′???·?′??￡?ú′ó?eèúêD3??e?￥?ò?￥êD?￠1éêD?óéì?￡òò′???′????ú11??2ú?￠?￥êD±?μ??￠í?×ê?ù?e±??è1?±??￠1éêD??áò?eμ′òy?eμ?·?±?￡?ê1?à1ú?eèú?ú11ì?±eê?éìòμò?DD?aêü?????eê§?￡?úè??òò?ì??ˉ?￠êà??í??óμ??ò′?μ???ìì￡??à1ú?eèú?￡?ú·?±?￡??e2??ˉ?í?·??oíè?±?μèêà???eèúêD3????áó°?ìè??ò?-???￡??? ?ù??′???′???￡¨subprime lending￡?ó?3?′???·?′?￡?ê???′????ú11?òD?ó?3ì?è??2?oíê?è?2???μ??è??è?ìá1?μ?êy????′óμ?′???￡???′?????ò??è??è?μ?·??Y×÷?a?1??μ?μ￡±￡?￡??è?ò?·??Y×÷?a?1??μ￡±￡￡?±èò??????ˉ2ú×÷?aμ￡±￡?ù′?????μ?êyá?òa′ó?￠?ú?T?ü3¤?￡?a?íê1′???·?′???óD??′óμ??±?ú?￡?ú￡??a???￡?úò?μ?3é?a??êμ￡????????μD?￡?±?è?òy?eá???·′ó|?￡′???·?′??￡?ú?÷òa±í???a￡oê×?è￡?μ±?ú?àê?è?2???μ?°′?ò′???1o·?è?￡¨ò????ò3??è??è?￡??Tá|3￥?1′???￡?????μ?×?·???×÷?aμ￡±￡??±?·￠·?′???μ??eèú?ú11?òéìòμò?DD￡¨ò????