CAJ | 학술논문

目前的房价日益高涨，我国个人住房抵押贷款规模不断膨胀，贷款人和借款人面临的风险也在不断增加。个人住房抵押贷款保险作为一种转移和降低个人住房抵押贷款风险、保障抵押权益的机制，对转移、降低个人住房抵押贷款风险具有积极作用。分析其在我国从强制推进到自愿购买的发展历程，可见其当前发展状况不甚乐观。结合比较分析法和规范研究法，研究目前推进个人住房抵押贷款保险的必要性后，从政府、保险公司、银行和借款人四个层面提出相关发展对策，以期能改善其发展困境。
목전적방개일익고창，아국개인주방저압대관규모불단팽창，대관인화차관인면림적풍험야재불단증가。개인주방저압대관보험작위일충전이화강저개인주방저압대관풍험、보장저압권익적궤제，대전이、강저개인주방저압대관풍험구유적겁작용。분석기재아국종강제추진도자원구매적발전역정，가견기당전발전상황불심악관。결합비교분석법화규범연구법，연구목전추진개인주방저압대관보험적필요성후，종정부、보험공사、은행화차관인사개층면제출상관발전대책，이기능개선기발전곤경。
In recent years , the residential mortgage loan scale expand rapidly and the risks common to the mort-gagor and mortgagee increase gradually as the high price of housing.Residential mortgage loan insurance is impor-tant in helping transfer and prevent residential mortgage loan risks and protect mortgage rights.But there is still a bumpy road ahead because of the development from compulsory purchase to a optimal course.In order to push on with residential mortgage loan insurance , using the methods of comparative analysis and normative approach , this essay draws out countermeasures from four aspects：the government, insurers, banks and borrowers, so as to say goodbye to the current development predicament.