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现行购房贷款抵押保险存在“八宗罪”。① 就民法意思自治和公平原则、保证抵押权债权实现和保全债权的需要、保险合同的核心问题———保险利益以及市场监控的角度而言 ,不难看出我国购房贷款抵押保险市场实际运作当中存在的几个焦点问题的合理与不合理之处 ,即事实上的强制保险、指定保险人、现有相关险种、指定贷款人为受益人、保险合同的灵活性等。
The current purchase mortgage loan insurance exists “eight sins.” ① In terms of the principle of autonomy and fairness of civil law, the need to guarantee the realization of claims and the preservation of claims, the core issue of insurance contracts, insurance interests and market monitoring, it is not difficult to see that the actual operation of the mortgage insurance market in China There are several focal points that are reasonable and unreasonable, namely de facto compulsory insurance, nominated insurers, existing relevant insurances, beneficiaries of nominated lenders and flexibility of insurance contracts.