The measures and suggestions for perfecting personal housing loan insurance

Facing with so many problems which recently exist in personal housing loan insurance of our country,in order to defend risk of personal housing loan insurance,according to insurance theory and current regulation,some key points are put forward,such as ascertainment of voluntary insurance principle,optimization of branches of loan insurance,establishing evaluation system for credibility of personal loan,providing good handling mortgage environment,putting loan security diversity in practice.Through providing integrated environment to defend financial risk effectively,it is expected to lay the foundation for the sustainable development of real estate(housing estate).