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首页> 外文会议>2006 Interntional Conferecne on Management of Logistics and Supply Chain(2006物流与供应链管理国际研讨会)论文集 >The Researches on Calculating Method of Insurance Premium of Residential Mortgage Loan
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The Researches on Calculating Method of Insurance Premium of Residential Mortgage Loan

机译：住房抵押贷款保险费计算方法的研究

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摘要

As an effective means to stir up residential consumption,residential mortgage loan insurance are developing very quickly in recent years.However,there are still some inevitable risks,how to calculate insurance rate has been a magnitude task for insurance companies.Based on discrimination between residential mortgage loan insurance and other insurances,the thesis analyze insurance structaxes of United States,we find that insurance insfitute in USA can offen establish its corresponding insurance structure(inelude insurance payment mode,number of insurance rate,disposal method when pre-payoff)according to clients'specific eircs(such as sum of loan,term of loan,loan to value),so the controlling of risk of regional mortgage loan insurance is become easy,the rights and interests of insurance institute can be well protected.On the contrary,most insurance companies in China adopt single insurance structure,they require all clients must pay insurance by means of once-payoff method,and they will not send back insurance when the cfient pre-payoff.This method have some problems,on the one hand it is not benefit to controlling risk of insurance business,on theother hand,it is not benefit to exploit market becausc it can not make clienis to choice appropriate insurance project according to their specific cites.So insurance structure of regional mortgage loan in China will transit from singtflarity to many types in the future.It means that insurance payment mode will include 2 types:once-payoff and annual payment:when borrower want to pre-payoff it can be decided into 2 types:insurance sending back and not sending back,so we will have 4 kinds of insurance structures,on the basis of it,we present new insurance structures which suit for china,and then present a new calculating method which can calculate insurance premium in different insurance structures by using expected return equals the expected loss.
机译：作为刺激居民消费的有效手段，居民住房抵押贷款保险近年来发展很快。但是，仍然存在一些不可避免的风险，如何计算保险费率已成为保险公司的一项重大任务。抵押贷款保险和其他保险，本文分析了美国的保险结构，发现美国的保险机构可以根据其建立相应的保险结构（包括保险支付方式，保险费率，预付时的处置方式）。客户的特定收益（例如贷款额度，贷款期限，贷款价值），使区域抵押贷款保险的风险控制变得容易，保险机构的权益得到很好的保护。相反，中国大多数保险公司采用单一保险结构，要求所有客户必须以一次还款的方式支付保险金，他们会在客户预先付款时不退还保险。这种方法存在一些问题，一方面不利于控制保险业务的风险，另一方面由于无法开拓市场而不利于市场开发。根据具体情况选择合适的保险项目，未来中国区域抵押贷款的保险结构将由单一性转变为多种类型，这意味着保险还款方式包括一次还款和年还款两种。想要预先还款，可以分为两种类型：保险退回和不退回，因此我们将有四种保险结构，在此基础上，我们提出了适合中国的新保险结构，然后提出一种新的计算方法，可以通过使用预期收益等于预期损失来计算不同保险结构中的保险费。

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