美国产权保证保险制度研究

发布时间：2018-06-12 12:01

  本文选题：产权保证保险 + 产权保证保险合同　； 参考：《吉林大学》2017年硕士论文

【摘要】：产权保证保险制度起源于美国,历经一百多年的发展和完善,在美国不动产交易中占据重要地位,成为保障产权安全的重要制度,并为促进美国二级抵押市场的出现和发展做出重要贡献。不动产的产权质量是人们普遍重视和关系不动产市场发展的关键问题。由于美国不完善的不动产登记制度和传统产权保证方法的不足,使得产权安全成为人们不动产交易中最为关注的问题和最大的困扰。产权瑕疵和产权纠纷不仅会阻碍产权权利的行使,更有可能使不动产买受人面临完全丧失产权的风险。产权保证保险制度的产生,就是以产权保护为出发点和制度核心,同时吸收和借鉴美国传统产权保证方法的益处,有效弥补其缺陷,成为美国不动产登记制度的有益补充。此外,基于不动产登记制度进行产权调查、制作产权报告、建立产权链,发现产权风险并解决,保证产权安全,提升产权质量。产权保证保险制度的独特承保机制和预防产权风险,提升产权质量的核心内涵使其成为一项非常独特的制度。产权保证保险制度的有效应用使美国拥有世界上最有效率的不动产转让系统,并促进二级抵押担保市场的形成和发展。产权保证保险制度发展至今,已成为美国不动产交易中保护产权的重要制度。随着经济全球化和国际不动产交易市场的形成和繁荣,产权保证保险不再是美国独有的制度,产权保证保险的国际化程度提高,已被移植到越来越多的国家。国际产权保证保险制度不仅具有美国产权保证保险制度在保护产权方面的内涵,更适应各个国家和地区的具体情况,在承保风险、承保范围、承保程序等方面做出改变,并成为职业责任的有益补充,同样发挥着保护产权安全的重要作用。国际产权保证保险销售量的不断增长证明国际产权保证保险确实具有无限的市场潜力。虽然,目前产权保证保险制度还未被引进到我国,国内对于产权保证保险的研究也很少。但是,在我国房地产市场不断发展的今天,产权安全必将受到越来越多的重视,因此,产权保证保险制度对我国也具有重要的借鉴意义。
[Abstract]:The property right guarantee insurance system originated in the United States. After more than 100 years of development and improvement, it occupies an important position in the real estate transactions in the United States, and has become an important system to ensure the security of property rights. And to promote the emergence and development of the secondary mortgage market in the United States to make an important contribution. The quality of real estate property rights is a key issue that people attach importance to and relate to the development of real estate market. Because of the deficiency of American immovable property registration system and traditional methods of property right guarantee, the security of property right has become the most concerned problem and the biggest problem in real estate transaction. Defects and disputes of property rights not only hinder the exercise of property rights, but also make real estate buyers face the risk of complete loss of property rights. The emergence of the property right guarantee insurance system is to take the property right protection as the starting point and the core of the system, at the same time absorb and draw lessons from the benefits of the traditional American property right guarantee method, effectively remedy its defects, and become a beneficial supplement to the real estate registration system in the United States. In addition, property right investigation based on real estate registration system, making property right report, establishing property right chain, discovering property right risk and solving, ensuring property right security and improving property right quality. The unique underwriting mechanism of the property right guarantee insurance system and the prevention of the property right risk, and the core connotation of improving the property right quality make it a very unique system. The effective application of the title guarantee insurance system enables the United States to have the most efficient real estate transfer system in the world and promotes the formation and development of the secondary mortgage guarantee market. The property right guarantee insurance system has become an important system to protect property right in American real estate transactions. With the economic globalization and the formation and prosperity of the international real estate transaction market, the property right guarantee insurance is no longer a unique system in the United States, and the degree of internationalization of the property right guarantee insurance has been increased, which has been transplanted to more and more countries. The international property right guarantee insurance system not only has the connotation of the American property right guarantee insurance system in protecting property rights, but also adapts to the specific conditions of various countries and regions, and makes changes in the aspects of underwriting risk, coverage scope, underwriting procedure, etc. It also plays an important role in protecting property rights. The increasing sales volume of the international property right guarantee insurance proves that the international property right guarantee insurance has unlimited market potential. Although the property right guarantee insurance system has not been introduced into our country at present, there is little research on property right guarantee insurance in our country. However, with the continuous development of the real estate market in our country, the security of property rights will be paid more and more attention. Therefore, the property right guarantee insurance system is also of great significance to our country.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D971.2;DD913

【相似文献】

中国期刊全文数据库 前10条

1 李理;保证保险究竟是保证还是保险[J];金融与经济;2005年08期

2 樊启荣;李娟;;保证保险性质之探讨——兼论我国保证保险之误区[J];云南财贸学院学报;2005年05期

3 于筱江;;保证保险业务办理中存在问题与规范[J];现代商贸工业;2007年09期

4 黎毅;;保证保险法律性质之探讨[J];法制与社会;2008年24期

5 董再强;朱涤非;;消费信贷保证保险的法律问题研究——兼论保证保险合作协议中的风险监管义务分配[J];中国保险;2009年03期

6 邹炳鑫;赵Y罘，

本文编号：2009604