In this thesis , the author tries to explore how to build a feasible system of housing mortgage loan insurance , which accord with the situation of china , based on the domestic conditions and overseas experience . especially the housing mortgage loan insurance of government credit guarantee - bonding system is primarily discussed to build 在本文中，笔者通过分析这些现状以及借鉴国外经验，试图探索如何构建符合我国国情并切实可行的住房抵押贷款保险体系，特别是对政策性住房抵押贷款保险? ?担保制度的建立进行了初步探讨。
However , once we take all - sided and impersonal view over the housing finance , we will definitely realize the conflict between the high speed and the low efficiency of it . in this paper , it ' s analyzed that there ' re five factors affecting the efficiency of housing finance , based on the basic situation of china as a developing country and according to some related theories of the western economics . the first one is the dual - track interest rate which presumes that price of housing credit financing is under the control of government to a certain extent , and the rest is open 因此，本文从我国作为一个发展中国家? ?这一基本国情出发，以西方经济学中有关理论为依据，分析影响我国住房金融效率的因素主要包括：利率双轨，即一部分住房信贷资金价格受到政府的管制，而另一部分住房信贷资金价格则是开放的；住房金融机构产权不清，特别是政策性住房金融机构产权不清而导致金融创新动力不足，金融工具品种单一，不能满足居民需求多样化的要求；住房信贷中由于较高的交易费用，而使内耗偏高、效率降低；住房金融机构不健全，既不存在真正的住房金融机构又缺乏相应的担保机构；此外，住房金融中融资机制不完备，长期信贷资金来源不足与资产负债的期限结构不匹配也是影响住房金融效率的一个主要因素。
