近年来 ,随着中国住房制度改革的不断深化和银行消费信贷业务的迅猛发展 ,个人住房抵押贷款保险开始逐步发展 ,它不仅可以让众多消费者获得长期的风险保障 ,而且也有效地防范了银行的信贷风险。而对财产保险公司来说 ,在有效分散贷款买房过程中存在的各种风险的同时 ,又多了一 In recent years, with the deepening reform of China’s housing system and the rapid development of bank consumer credit business, personal home mortgage loan insurance has been gradually developed. It not only enables many consumers to obtain long-term risk protection, but also effectively prevents banks Credit risk. For property insurance companies, however, there is an additional one at the same time as the various risks that exist in the process of effectively distributing loans to buy a house