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由张卓元所长等人组成的中国社科院经济研究所赴美学术考察团于1997年7月份对美国金融市场进行了考察,现将考察内容报告如下。 一、美国抵押保险机制的形成与发展 1991年,美国的住宅抵押市场各类抵押债务占GNP的68％,一家一户住宅抵押贷款占GNP的47％。其抵押保险机制也最为典型,是政府机构担保与私营保险相结合的混合模式。
The academic mission to the United States, headed by Zhang Zhuoyuan, director of the Institute of Economic Research of the Chinese Academy of Social Sciences, conducted a survey of the U.S. financial markets in July 1997, and the contents of the inspection report are as follows. First, the formation and development of the U.S. mortgage insurance mechanism In 1991, the United States of America’s mortgage market accounted for 68% of GNP mortgages, a residential mortgage loans accounted for 47% of GNP. The mortgage insurance mechanism is also the most typical, is a combination of government agencies and private insurance guarantees a mixed model.