自用住宅抵押貸款信用保險風險管理評估之探討

Evaluation on Owning Home Mortgage Loans Credit Insurance and Risk Management

10.6704/JMSSD.2008.5.4.20

許碩芬(Shuo-Fen Hsu)；吳政仲(Cheng-Chung Wu)；方斐世(Fei-Shih Fang)；鄭舜仁(Shuen-Ren Cheng)；徐美琴(May-Ching Hsu)

自用住宅抵押貸款 ； 信用保險 ； 風險管理 ； Owning Home mortgage loans ； Credit Insurance ； Risk Management

管理科學與統計決策

5卷4期（2008 / 12 / 01）

20 - 36

繁體中文

目前國內對房屋貸款信用保險業務仍然相當陌生，對該產業的研究也十分缺乏，故本研究廣泛的介紹房屋貸款保險業務的相關議題與風險管理之評估，期能使大眾對房屋貸款保險業務有更多的瞭解。然房屋貸款在各國的發展情形因各國的經濟情況而有不同，但基本上仍有幾個促成該產業發展的重要因數，根據本研究整理以下幾個領域：(1)總體環境的穩健；(2)法令管制的適切性；(3)建構國內不動產健全的金融體系。除此之外，法律面等配套機制完善外，資訊的透明度，包括估價制度、信用評等、相關的評估報告等，都要具體落實。

At present domestic still quite was strange to of the home loan fidelity insurance service, also extremely lacked to this industrial research, therefore this research widespread introduction home loan insurance service appraisal related subject and the risk management, the time could enable the populace to have more understandings to the home loan insurance service. However the home loan has the difference in the various countries' development situation because of the various countries' economical situation, but basically still has several to facilitate this industrial development the important factor, reorganized following several domains according to this research: (1) overall environment steadiness; (2) law control appropriateness; (3) constructs the construction domestic real estate perfect finance system. In addition, the legal surface and so on outside the necessary mechanism consummation, the information transparency, including the estimate system, the credit comments and so on, the correlation appraisal report and so on, all must specifically carry out.

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