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随着我国社会经济的不断发展,居民消费水平的不断提高,住房水平在很大程度上得以提高。面对我国居民购房需求的日益增长,住房机制不断革新,住房信贷的改革一方面加速了房屋的改造,另一方面扩大了商品房市场,也加快了商品房的建设及销售,对经济增长起到了重要的作用。面对这样的局面,消费者对住房信贷的需求会日益增加,而信贷保险也将成为不可或缺的保障,因此建立与完善我国住房信贷体系具有现实意义,对分散、转移我国的住房信贷风险起到重要作用。但目前我国住房信贷存在着诸多不良的原因,例如居民保险意识较差,住房置业保险公司之间冲突不断等,所以保险公司才更需要研发出符合居民购房需求的信贷保险。
With the continuous development of our country’s social economy and the continuous improvement of the residents’ consumption level, the housing level has been greatly improved. Faced with the increasing demand of residents purchasing houses in our country, the housing system has been constantly renovated. The reform of housing credit has accelerated the transformation of houses on the one hand and expanded the market of commercial houses and also accelerated the construction and sale of commercial buildings, which has played an important role in economic growth Role. Faced with such a situation, the consumer demand for housing credit will continue to increase, and credit insurance will also become an indispensable guarantee, so to establish and improve our housing credit system has practical significance to the dispersion and transfer of housing credit risk in our country Play an important role. However, there are many bad reasons for China’s housing credit at present, such as poor residents’ awareness of insurance and constant conflict between home-based insurance companies. Therefore, insurance companies need to develop credit insurance that meets the needs of residents.