随着我国住房制度的改革力度的加强,住房贷款保险发挥的作用也越来越大。本文通过对我国住房贷款保险制度的介绍,分析了当前我国住房贷款保险存在的问题,并创造性地提出了诸如设立抵押房产财产保险和房贷险信用保险等相应的可行性对策。 As China’s housing reform efforts to strengthen the role of housing loan insurance play more and more. This article analyzes the current problems of housing loan insurance in our country by introducing the housing loan insurance system in our country and creatively puts forward some feasible countermeasures such as setting up property insurance for mortgage property and credit insurance for mortgage insurance.