| 我国房贷强制险的基本定位 |
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| 引用本文： | 胡海涛.我国房贷强制险的基本定位[J].山西省政法管理干部学院学报,2009,22(1):5-8. |
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| 作者姓名： | 胡海涛 |
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| 作者单位： | 上海海事大学法学院,上海,200135 |
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| 基金项目： | 上海海事大学研究生创新基金 |
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| 摘 要： | 房贷强制险一直被许多学者和媒体所诟病。学者的批评过多地强调了房贷强制险的法律形式，而很少从实质上考虑房贷险的现实需求。房贷强制险应该以保障中低收入阶层的基本居住权为目标，这才符合法的正义价值。房贷强制险在立法上的基本定位，可以从性质、价值、法律形式和合同规制等四个角度来把握。
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| 关 键 词： | 房贷强制险 立法定位 公共利益 |
The Basic Orientation of Compulsive House Loan Insurance |
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| HU Hai-tao.The Basic Orientation of Compulsive House Loan Insurance[J].Journal of Shanxi Politics and Law Institute for Administrators,2009,22(1):5-8. |
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| Authors: | HU Hai-tao |
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| Institution: | HU Hai - tao ( Law School of Shanghai Admiralty University, Shanghai 200135, China) |
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| Abstract: | Many Medias and scholars always castigated the compulsive house loan insurance. The scholars＇ comment emphasized on the legal form of, while they considered the realistic demands less. Compulsive house loan insurance should safeguard the basic habitat right of medium or low - income stratum. The basic legal orientation of compulsive house loan insurance can be held form four angels as fallow： nature, value, legal form and contract regulation. |
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| Keywords: | compulsive house loan insurance legal orientation public interests |
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